Georgia Truck Insurance Pricing for 1–9 Unit Fleets: The Pricing Guide
Atlanta skyline representing Georgia truck insurance pricing
Georgia often surprises truckers.
It doesn’t always look like a high-cost state but the data tells a different story.
How Much Does Truck Insurance Cost in Georgia?
WON Data (Georgia)
1 truck: ~$14,000–$15,000 per truck
2–4 trucks: ~$11,500–$12,500 per truck
5–9 trucks: ~$12,000–$13,000 per truck
Georgia pricing sits just below Texas and Florida, but still above many Midwest states.
Why Georgia Truckers Feel the Pressure
Truck insurance cost increase concept for Georgia trucking companies
Georgia LOST deals show:
Heavy concentration of interstate operations
New ventures under 2 years
Strong overlap with hotshot and expedited hauling
Georgia is also impacted by:
Regional litigation trends
Dense freight corridors
High accident severity modeling
Georgia LOST Deals: The Key Pattern
Average one-truck quotes near $17,000–$18,00
Hotshot and specialty operations struggle most
Deals often lost when:
premium spikes unexpectedly
carrier options are limited
renewal timelines are rushed
What Georgia Truckers Should Focus On
Georgia truck driver reviewing insurance options inside cab
Operation clarity (how you’re actually running)
Structuring radius and usage correctly
Planning ahead of renewal
Leveraging fleet structure once you hit 2+ trucks
Georgia pricing improves dramatically when the policy matches the right operation type.