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How much is flatbed truck insurance?

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Do you need flatbed truck insurance?

We can help you get flatbed truck insurance quotes.

Getting flatbed truck insurance might seem like an impossible task. Where do you start? How do you get truck insurance quotes? How much does flatbed insurance cost? How can you get cheap flatbed truck insurance? These might be some of the questions buzzing around in your mind, and we can help answer them.

What is a flatbed truck?

Flatbed trucks are essentially trucks with a flat, open bed. The truck bed doesn’t have railings, sides, or a roof, so flatbeds are ideal for transporting bulky or awkward loads that won’t fit neatly into a closed truck. The open bed allows for easy loading and unloading. Of course, the loads hauled by flatbeds can’t be susceptible to rain damage or be especially fragile. To secure the cargo, there are tie-down hooks that allow the load to be fastened to the truck.

Are there any other names for flatbed trucks?

Stepdeck/dropdeck trucks

Flatbed lorry (Britain)

Rollback (Rollbacks are flatbed tow trucks)

What are the recommended coverages for a flatbed truck?

Getting the right insurance for your trucking business is so important. Check out some of these recommended coverages specific to your flatbed truck:

Auto Liability

Auto liability covers the costs that you’re legally obligated to pay to someone if you’re at-fault in a car accident.

Bodily injury liability can cover the medical expenses, pain and suffering, and lost wages of someone that you injured in a car accident.

Property damage liability can cover the costs of replacing or repairing a vehicle (or other property such as fences or buildings) that you damaged in a collision.

Physical Damage Coverage

This can help you get your truck back on the road ASAP if it’s in an accident or is otherwise damaged.

Collision coverage: Collision coverage helps you repair your flatbed if you’re in a car accident or if you’re involved in another collision. If you rear-end the car in front of you, collision coverage would pay for the repairs to your truck while your liability insurance would pay for repairs to the other driver’s car.

Comprehensive coverage: Comprehensive coverage can help you cover the costs of repairs to your flatbed if it’s damaged by something other than a collision - for example, vandalism, fire, or objects falling from the sky (such as trees.) It can also cover you if your truck is stolen.

Truckers General Liability

Truckers GL can help cover costs you’re legally obligated to pay if you cause someone bodily injury or property damage because of the services your business provides.

Cargo Insurance

Cargo coverage can protect the load that you’re hauling against losses like fire, theft, or collision.

How much does flatbed truck insurance cost?

There are lots of factors that influence the cost of flatbed insurance. An insurance company will have to look at the details of your business before they determine how much to charge you for your insurance.


Some things that affect the cost of flatbed insurance are...



Number of Trucks

Speeding Tickets

Accidents, Claims, & Losses

Your Type of Business & What You Haul

Your Radius & Location

Understanding why these factors influence your trucking insurance

Your drivers: The age, experience, and driving records of your drivers affect how much you’ll pay for your insurance.

Your truck: The make, model, and year of your flatbed will all have an effect on your insurance rates.

How many trucks you have: The more trucks you need to insure, the more expensive your insurance could be.

Speeding tickets: Speeding tickets on your record or your drivers’ records are seen as being indicators of risk. If you present a bigger risk to the insurance company, they will charge you more for insurance.

Accidents/claims/losses: Your business’s record of losses will have an effect on your insurance rates because, like speeding tickets, past claims indicate risk.

What kind of business you are/What you haul: The type of work you do has an effect on your rates.

Your radius and location: Where you’re located and how far you haul loads are both things that the insurance company will look at.

The only way that you can get an accurate idea of the cost of flatbed truck insurance for your business is to get a quote.

We can help you shop around for the best possible rate for your insurance and get flatbed insurance quotes for your business. All you have to do to get started with your quotes is fill out our online form or give us a call today. Our team of commercial truck insurance agents is here to help you with your insurance needs - our goal is to make insurance easy and to save trucking businesses like yours money on their insurance rates.