Can risk management lower my insurance premium?

Yes. Strong safety scores and loss prevention strategies often lead to lower long-term insurance premiums.

Do you work with fleets under 4 trucks?

Yes. Aronson Group specializes in owner-operators and small fleets.

How Much Does Flatbed Insurance Cost?

Sep 8

Flatbed truck insurance costs and savings for 1–4 truck operators

Across 308 verified 1–4 truck flatbed placements, Aronson Group clients pay a median of about $14,389 per truck per year — roughly $1,199 a month — with half of all operators between $933 and $1,540 a month per truck. 248 of those placements are single-truck operations. And renewals hold: across 77 tracked renewals in this segment, the median change was +7.1%, and 36% of renewals actually went down.

Flatbed adds cargo securement and load variety to the underwriting picture — steel, lumber, equipment, building materials — and generalist agents respond by quoting it high. Our 308 verified flatbed placements say it doesn't have to be: flatbed is also our best renewal segment, with 36% of tracked renewals going DOWN.

Aronson Group is a truck insurance specialty agency trusted by 5,000+ trucking companies across 45+ states — 98% of placements are 1–4 unit companies. One intake gets your flatbed file in front of multiple A-rated markets — Great West, Progressive, GEICO, Acuity, Nirvana, Cover Whale, BHHC, Northland, and Canal — and we place you where you fit best.

Below are documented before-and-after examples from our published savings library — real prior premiums vs. what we placed the operator at for comparable coverage.

Real Results

Verified single-truck placements from our before-and-after savings library.

  
    
  
      State
      Prior Premium
      New Premium
      Saved / Year
      % Saved
    

  
      Wyoming
      $18,000
      $7,952
      $10,048
      55.8%
    

      Indiana
      $20,400
      $13,428
      $6,972
      34.2%
    

      Texas
      $20,400
      $14,366
      $6,034
      29.6%
    

      Oklahoma
      $19,488
      $13,736
      $5,752
      29.5%
    

      Texas
      $21,600
      $16,177
      $5,423
      25.1%
    

      South Carolina
      $16,200
      $11,842
      $4,358
      26.9%
    

      Oklahoma
      $17,400
      $13,736
      $3,664
      21.1%
    

      Georgia
      $13,200
      $10,129
      $3,071
      23.3%
    


  
  

State	Prior Premium	New Premium	Saved / Year	% Saved
Wyoming	$18,000	$7,952	$10,048	55.8%
Indiana	$20,400	$13,428	$6,972	34.2%
Texas	$20,400	$14,366	$6,034	29.6%
Oklahoma	$19,488	$13,736	$5,752	29.5%
Texas	$21,600	$16,177	$5,423	25.1%
South Carolina	$16,200	$11,842	$4,358	26.9%
Oklahoma	$17,400	$13,736	$3,664	21.1%
Georgia	$13,200	$10,129	$3,071	23.3%

FAQ

How much does flatbed insurance cost for one truck?

Across 308 verified 1–4 truck placements, the median is about $14,389 per truck per year ($1,199/month), with half of operators between $933 and $1,540 a month per truck. State, radius, driving record, and cargo set your exact number.

Does hauling different flatbed loads raise my insurance?

It can if your operation is misclassified. Carriers price flatbed by commodity and securement risk, so an accurate presentation of what you actually haul often lowers the premium — that's part of what we fix when we re-shop a flatbed account.

What happens to flatbed premiums at renewal?

Across 77 tracked flatbed renewals, the median change was +7.1% — and 36% went down. We re-shop files at renewal instead of re-issuing them.

What carriers quote flatbed operations?

We shop multiple A-rated markets — including Great West, Progressive, GEICO, Acuity, Nirvana, Cover Whale, BHHC, Northland, and Canal — and place you with the best fit. That access is why 5,000+ trucking companies trust us.

How fast can I get a flatbed insurance quote?

Get an estimated indication by email in about 60 seconds, or call our 24/7 quote line — 563-278-3399 — and a licensed producer follows up within 24 business hours.