get a quote

Commercial California Truck Insurance

Calling all California truckers! Let’s explore the realm of commercial truck insurance in the Golden State, where every journey behind the wheel is a sun-soaked adventure on the open road. But with great trucking comes great responsibility, and that’s where insurance jumps into the driver’s seat. California truck insurance, where the roads are as varied as the cargo, isn’t just a safety net; it’s your business’s lifeline.

California truck insurance for your needs

In California, we’re looking at around 200,000 car accidents a year. You need to have solid California truck insurance to back you up.

For you newcomers to trucking, obtaining the right coverage isn’t just about avoiding troubles; it’s about keeping your wheels turning without the worry of penalties biting at your heels. At Royalty Truck, we’re not just playing the insurance game; we’re changing it. With over 23 years of road wisdom, we’re all about tailoring solutions that fit your trucking needs, like a custom-made driver’s glove.

It’s not just about meeting legal requirements; it’s about safeguarding your investment on those unpredictable roads. With our coverage, you’re prepared for everything from fender benders to more serious mishaps. We’re not just about the standard rig. California truck insurance encompasses a wide range of truck types, including tow trucks, semi-trucks, dump trucks, and more. Our goal? As your trucking business flourishes in California, we’re here to provide comprehensive coverage, safeguarding your operations every step of the way.

Our California truck insurance includes:

  • Liability Insurance: In California, liability insurance is mandatory to cover bodily injury and property damage in the event of an accident.
  • Physical Damage Coverage: Protect your truck against collision, theft, and natural disasters with comprehensive and collision insurance tailored for California’s diverse climate.
  • Cargo Insurance: Insure the goods you transport across California’s varied industrial and agricultural sectors.
  • Non-Trucking Liability Insurance: In California, even when your truck is off-duty, it’s essential to have coverage.
  • Trailer Interchange Insurance: If you use trailers that you do not own under a trailer interchange agreement in California, this insurance covers any damage or loss.
  • Workers’ Compensation: Required by California law, this coverage takes care of medical expenses and lost wages for drivers injured on the job. Keep your workforce protected and comply with state regulations.
  • Excess Liability: In California, having additional protection is vital. Excess liability insurance provides coverage when the limits of your primary policy are exceeded, shielding your business from exceptionally large claims.
  • Roadside Assistance: Essential for handling breakdowns or emergencies on California’s extensive highways and remote routes.

DMV requirements and coverage essentials

Truckers in the state play with coverage ranging from $300,000 to a cool $5 million. And that certificate of insurance? Better have it in your pocket before even whispering the word ’permit.’ Thinking about self-insuring? That’s an option, but it’s like the VIP section of insurance—only for those managing fleets of 25 or fewer vehicles and meeting some serious financial criteria. Make sure to stay informed about the latest regulations by regularly checking for updates from the DMV. That Certificate of Insurance is your golden ticket to smooth trucking in California. Skipping that? Think Again! Now, let’s talk about consequences.

Clear-Cut Requirements

No coverage equals big trouble. First-timers without insurance could be shelling out $100 to $200 in fines, and if you’re a repeat offender, that jumps up to $500. Plus, there’s a chance your truck could be taking an unplanned vacation at the impound lot.

Costs of California truck insurance

What’s the damage? On average, commercial California truck insurance costs between $12,000 and $17,000. But remember, this isn’t a one-size-fits-all deal. Factors such as your driving experience, the type of cargo you’re transporting, and the model of truck you’re operating all contribute to the final cost. Do you have a clean driving record and a trusty old truck? You could potentially reduce your insurance costs.

Insurance for all cities in California

We’re excited to announce that we offer truck insurance across all cities in California, including:

  • Anaheim
  • Bakersfield
  • Chula Vista
  • Fremont
  • Fresno
  • Glendale
  • Huntington Beach
  • Long Beach
  • Los Angeles
  • Modesto
  • Oakland
  • Oxnard
  • Riverside
  • Sacramento
  • San Bernardino
  • San Diego
  • San Francisco
  • San Jose
  • Santa Ana
  • Stockton

We have permission to conduct business in the surrounding states, such as Arizona, Nevada, and Oregon.