2026 Small Truck Insurance Cost Guide (1–4 Trucks by State)
Quick Answer (TL;DR): In 2026, most small trucking companies with 1 to 4 trucks pay an average of $15,101 per truck for their full insurance program. This includes Auto Liability, Physical Damage, Motor Truck Cargo, and General Liability. While the industry often hides this data, Aronson Group uses real numbers from 1,213 fleets to help you understand what you should actually be paying.
Data Source & Methodology
All pricing data in this guide comes from 1,213 active trucking companies insured through Aronson Group between January 2025 and January 2026.
The data reflects 1–4 power unit fleets operating across multiple states and includes complete insurance programs with:
Auto Liability
Physical Damage
Motor Truck Cargo
General Liability
Premiums shown are annualized per truck and exclude fleets with incomplete coverage or non-standard policies. This dataset represents real bindable pricing, not estimates or surveys.
Based on Aronson Group’s analysis of 1,213 small trucking fleets, insurance costs vary by more than $9,000 per truck depending on state, experience, and claims history.
Why Small Trucking Companies Struggle to Understand Costs
For a long time, the insurance industry has done a great job of hiding data from small companies with 1 to 4 trucks. By keeping you in the dark, they make it hard for you to know if you are getting a fair price.
Often, small fleet owners feel like they are paying for the accidents and claims of giant "mega-fleets". The truth is, you often are. At Aronson Group, many 1–4 unit trucking companies lack access to the same insurance markets available to larger fleets. According to Aronson Group’s data, this gap is one of the primary drivers of higher premiums for small operators..
Average Truck Insurance Cost by State (1–4 Unit Fleets Aggregate)
Based on 1,213+ fleets we work with, here are the actual average prices (on a per truck basis) in the top states we serve. If you don't see your state, reach out to us and we can email you the exact data for your area.
Alabama (AL)
$15,071
27
Arizona (AZ)
$14,150
20
Arkansas (AR)
$13,837
14
Colorado (CO)
$15,173
21
Florida (FL)
$18,680
80
Georgia (GA)
$16,398
116
Illinois (IL)
$13,741
137
Indiana (IN)
$13,264
45
Iowa (IA)
$13,441
23
Kansas (KS)
$12,976
11
Kentucky (KY)
$15,903
17
Maryland (MD)
$14,281
20
Michigan (MI)
$13,626
48
Minnesota (MN)
$13,598
34
Mississippi (MS)
$19,382
18
Missouri (MO)
$13,229
37
Nebraska (NE)
$14,856
14
Nevada (NV)
$16,567
14
North Carolina (NC)
$12,145
32
Ohio (OH)
$13,588
40
Oklahoma (OK)
$13,669
17
Oregon (OR)
$10,468
10
Pennsylvania (PA)
$13,989
40
South Carolina (SC)
$15,889
22
Tennessee (TN)
$15,089
29
Texas (TX)
$18,057
159
Virginia (VA)
$14,980
26
Wisconsin (WI)
$12,900
23
Wyoming (WY)
$11,316
14
Real Savings: 10 Success Stories
We analyzed the "Before and After" costs for trucking companies that moved their insurance to Aronson Group. Here is how 10 real companies lowered their bills:
Large Fleet Savings (Texas): A 4-year-old fleet cut their premium from $80,904 to $39,071 ($41,833 savings).
Small Fleet (Georgia): A 1-year-old fleet cut their premium from $70,808 to $32,513 (54.1% savings).
New Venture (Tennessee): A brand-new fleet with 0 years in business cut their premium from $45,600 to $20,799 (54.4% savings).
Mid-Age Fleet (Alabama): A 4-year-old fleet cut their premium from $46,200 to $26,099 ($20,101 savings).
New Fleet (Virginia): A 1-year-old fleet cut their premium from $22,800 to $10,553 (53.7% savings).
Established Fleet (Washington): A 3-year-old fleet cut their premium from $36,000 to $23,387 (35% savings).
Long-Term Fleet (Ohio): A 9-year-old fleet cut their premium from $27,600 to $11,575 (58.1% savings).
Small Fleet (Minnesota): A 3-year-old fleet cut their premium from $14,952 to $6,218 (58.4% savings).
Growth Fleet (Kentucky): A 4-year-old fleet cut their premium from $30,000 to $14,492 (51.7% savings).
Startup Fleet (Oregon): A 1-year-old fleet cut their premium from $20,400 to $12,416 (39.1% savings).
How to Decrease Your Insurance Costs
To get the best possible price, you need to do more than just keep a clean driving record.
The Best Way to Save: Get multiple quotes.
Expert Access: You must use an agent to access specialized trucking insurance companies that you cannot reach on your own.
Our Partners: We represent top truck insurance companies, including Great West Casualty, Acuity Mutual, Nirvana, Berkshire Hathaway Homestate Companies, Progressive, GEICO, and many more.
Leading Factors: Keeping your MVR clean, having no claims, and avoiding Out-of-Service (OOS) inspections are still very important.
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We are here to help you understand your costs and get you back on the road.
Multiple Providers: Get pricing from multiple providers within minutes.
Easy Forms: Complete the "Get a Quote" form on our website.
Talk to Us: Click the link on our website to schedule a call and see the data for your state.
FAQ Questions
Q: How much does truck insurance cost per truck?
A: In 2026, small fleets pay an average of $15,101 per truck per year.
Q: Why is truck insurance more expensive for small fleets?
A: Small fleets lack buying power and are often rated alongside higher-risk operators.
Q: Does truck insurance cost vary by state?
A: Yes. States like Mississippi, Florida, and Texas have higher average premiums.
Q: Can small fleets actually save money switching insurance?
A: Yes. Many 1–4 truck fleets save 30–50% by accessing specialized carriers.
About the Writer:
Thomas Aronson is the Founder of Aronson Group and has spent over 10 years helping small trucking companies reduce insurance costs using real pricing data from thousands of fleets nationwide.