The median one-truck commercial truck insurance policy Aronson Group placed over the last two years cost $13,458 a year, about $1,122 a month, across 2,073 policies. With full coverage (auto liability, physical damage and cargo on one policy) the median was $15,191 a year across 1,317 policies. Published November 10, 2026. We publish a new index every month.
November 2026 at a glance
One truck, national: $13,458 a year (n 2,073)
Full coverage, national: $15,191 a year (n 1,317)
Leased-on owner-operator, non-trucking liability plus physical damage: $3,501 a year (n 323)
Biggest moves since our October 15 figures
The state one-truck medians that moved most between our October 15 and November 10 figures. Both cover two years of placements, so a move this size usually reflects new policies in a smaller state sample rather than a market shift.
Minnesota: $6,834 to $8,059 (up 17.9 percent)
Arizona: $12,483 to $13,766 (up 10.3 percent)
Oklahoma: $13,216 to $12,595 (down 4.7 percent)
South Carolina: $13,764 to $14,280 (up 3.7 percent)
Wisconsin: $9,775 to $9,498 (down 2.8 percent)
Nationally, the one-truck median moved from $13,453 to $13,458, and full coverage from $15,145 to $15,191.
One-truck truck insurance cost by state
The 28 states where we placed 20 or more one-truck policies, most expensive first. The middle half runs from the 25th to the 75th percentile: half of policies fell inside it.
Mississippi: median $18,457 a year, middle half $10,130 to $20,854 (n 36); full coverage $19,544 (n 23)
Florida: median $17,630 a year, middle half $12,996 to $22,239 (n 119); full coverage $19,379 (n 74)
Texas: median $16,161 a year, middle half $9,951 to $21,423 (n 272); full coverage $18,481 (n 158)
Alabama: median $15,964 a year, middle half $12,835 to $20,026 (n 36); full coverage $17,401 (n 21)
Virginia: median $15,441 a year, middle half $10,553 to $18,071 (n 45); full coverage $16,496 (n 32)
Georgia: median $14,709 a year, middle half $11,213 to $20,133 (n 183); full coverage $17,023 (n 122)
Nevada: median $14,572 a year, middle half $10,476 to $19,521 (n 26)
South Carolina: median $14,280 a year, middle half $8,663 to $18,348 (n 33); full coverage $15,703 (n 24)
Arizona: median $13,766 a year, middle half $9,923 to $16,228 (n 39); full coverage $15,071 (n 27)
Illinois: median $13,761 a year, middle half $8,546 to $16,552 (n 248); full coverage $14,594 (n 175)
Kentucky: median $13,652 a year, middle half $7,607 to $17,951 (n 30)
Tennessee: median $13,498 a year, middle half $8,038 to $16,873 (n 44); full coverage $15,225 (n 25)
Utah: median $13,468 a year, middle half $7,590 to $15,154 (n 20)
Pennsylvania: median $13,218 a year, middle half $6,553 to $19,672 (n 82); full coverage $14,760 (n 51)
Colorado: median $13,180 a year, middle half $9,794 to $17,245 (n 44); full coverage $16,037 (n 29)
Michigan: median $13,080 a year, middle half $6,881 to $17,739 (n 90); full coverage $15,443 (n 62)
Arkansas: median $12,686 a year, middle half $6,503 to $14,848 (n 26)
Oklahoma: median $12,595 a year, middle half $6,669 to $15,797 (n 20)
Ohio: median $12,372 a year, middle half $6,704 to $16,286 (n 90); full coverage $15,311 (n 53)
Missouri: median $11,999 a year, middle half $6,408 to $16,041 (n 74); full coverage $15,521 (n 40)
North Carolina: median $11,929 a year, middle half $8,064 to $14,850 (n 50); full coverage $13,758 (n 35)
Indiana: median $11,420 a year, middle half $6,141 to $14,606 (n 92); full coverage $13,402 (n 61)
Wyoming: median $10,972 a year, middle half $8,684 to $13,849 (n 21)
Iowa: median $10,839 a year, middle half $6,511 to $14,608 (n 47); full coverage $13,211 (n 31)
Washington: median $9,934 a year, middle half $6,744 to $12,200 (n 21)
Wisconsin: median $9,498 a year, middle half $5,118 to $12,964 (n 43); full coverage $11,049 (n 28)
Nebraska: median $8,138 a year, middle half $5,255 to $16,154 (n 29)
Minnesota: median $8,059 a year, middle half $3,969 to $14,077 (n 72); full coverage $13,237 (n 36)
Not published for Kansas, Maryland, Montana, New Mexico and Oregon (too few policies to be fair), or for California, New Jersey and New York.
How the index is made
Every figure comes from policies Aronson Group actually placed: one truck, new business, total annual premium, policies that took effect from November 10, 2024 to November 10, 2026. Duplicates and invalid premiums are removed. A state is published only with 20 or more policies. These are medians of real placements, not quotes. Your price depends on your record, drivers, truck, radius and coverage.
See where your own number should land
Type your DOT number into Aronson Answers to see your record the way an underwriter reads it, the dates items stop counting, and your state's range. Or get a quote, or call or text 563-278-3399. A licensed producer calls you back within one business day.
Aronson Group, 1900 Jefferson Ave, Bellevue, IA 52031. Cite as: Aronson Group One-Truck Price Index, November 2026, aronsongroup.net.