#Thank A Trucker
At Lafayette Insurance we know the difference between flatbed and reefer
We provide truck insurance to owner-operators and small to mid-sized trucking companies. We have partnered with multiple specialty insurance companies to get you the best policy for you and the most affordable rate. We can help with OTR or drive-away.
Prefer to talk? Call or text 765-474-2300.
Semi Truck Insurance in Lafayette, Indiana
With I-65 running right through Lafayette and freight moving across Indiana every day, trucking is a big part of our local economy. Lafayette Insurance insures owner-operators, new authorities and small fleets hauling dry van, reefer, flatbed, dump, grain and more. We know the coverages, filings and certificates it takes to keep you rolling.
Semi truck coverages
- Primary auto liability: required coverage for injuries and damage you cause to others. Federal minimums start at $750,000 for most for-hire interstate general freight haulers, and many brokers and shippers ask for $1,000,000.
- Physical damage: covers your tractor and trailer for collision, theft, fire and weather.
- Motor truck cargo: covers the freight you haul. Many brokers require $100,000.
- Non-trucking liability (bobtail): for owner-operators leased to a motor carrier, covering you when you’re not under dispatch.
- Trailer interchange: covers trailers you pull under an interchange agreement.
- General liability and occupational accident: fill gaps at docks, yards and for owner-operators without work comp.
Your own authority or leased on
If you’re running under your own authority, we’ll make sure your policy includes the federal and state filings your authority requires. If you’re leased to a carrier, we’ll make sure your bobtail, physical damage and any required cargo coverage line up with your lease agreement. Starting a new authority? Tell us. Newer ventures can be insured, and we know which companies are open to them.
Shopping truck insurance with multiple companies
Trucking rates vary a lot from company to company based on radius, commodity, driver experience and loss history. Because we’re an independent agency, we can quote your truck with Progressive, one of the largest commercial auto insurers in the country, along with other trucking markets, and show you the options side by side. For pickups, box trucks and service vehicles, see our commercial auto page.
Semi truck insurance FAQs
What do I need for a quote?
Your DOT/MC number (if you have one), driver license info and experience, VINs and values of your tractors and trailers, the commodities you haul, your operating radius and any loss runs from the past three to five years.
How fast can I get a certificate?
Once coverage is bound, our office can issue certificates of insurance to brokers and shippers.
Can I save by bundling?
Sometimes. Pairing your truck policy with general liability or a commercial umbrella can help, depending on the carrier.
Call 765-474-2300 to get a semi truck insurance quote.
Our process
Compare Quotes from Lafayette Insurance
01. Provide Details
Tell us a little bit about what you are wanting to insure.
02. Discuss Coverages
We educate you on insurance coverages relevant to you.
03. Compare Quotes
We shop multiple companies to find the best rates and protection.
04. Pick Your Policy
Choose the insurance plan that works best for your individual needs.
Lafayette Insurance Reviews
What our Clients Say
★★★★★
Joe and his staff are top notch. I never worry if I have an issue involving insurance. They are there to help make the experience worry free and professional. It’s worth your time to give Lafayette Insurance a call.
Stacey Minier
★★★★★
Tremendous support from Joe Couch. He was readily-accessible, diligent, and a tremendous help through the process of switching policies. Would recommend to everyone.
Daniel Layman
★★★★★
Joe Sr. and Jr. are both professional and do the very best they can to get you the best deal possible. They have reached out to me to let me know of opportunities to decrease my rates before my terms were up so I could plan accordingly. They always answer when I text or call with a problem. Can’t say enough good things about this company or the people running it!
Jon Chapin
★★★★★
Very professional and responsive. After calling several agencies in the area, our quote was 15% lower than anywhere else!
Devon Moore
★★★★★
Joe Jr. looks out for you. Initially he had me with one insurance agency. 1 year in and upon finding a new deal, he contacted me, helped me save some money, and found a more reliant insurance company for my family’s vehicles. He is personable and offers good advice without trying to overexert influence. I have not had to deal with a wreck yet and working through a claim, but I will update this post if it happens.
Isaac Schumacher
★★★★★
They are very nice and will find the best deal for you. They also follow up with you in the future to better you in better insurance for less.
Jasen Shaver