Michigan Trucking Insurance
50+ A-rated carriers. One call. Your best rate in about 24 hours.
Commercial truck insurance for Michigan owner operators and fleets, from the independent agency headquartered right here at the Crossroads of America.
Your info is secure and never sold.
Commercial Truck Insurance In Michigan, Built For Michiganders
Michigan is the only state where a route plan routinely includes an international bridge. The Ambassador and the new Gordie Howe carry the busiest commercial crossing in the country, and the freight is automotive just-in-time — where a late truck stops an assembly line, not just a delivery. If you run trucks here, the clock is unforgiving — and your trucking insurance should be built for it.
Nova Coverage is an independent trucking insurance agency headquartered in Indianapolis. We insure Michigan motor carriers of every size — from a single owner operator with a new MC number to established fleets — and because we're independent, we shop your risk to 50+ A-rated carriers and make them compete for your business.
- Indianapolis-based — a real local team, not a call center three states away
- 50+ A-rated carriers quoted on every Michigan trucking insurance policy
- Form E, BMC-91 & MCS-90 filings handled for you, at no extra charge
- New authorities welcome — same-day COIs once you're bound
Real Reviews From Real Clients
"Exceptional service is hard to find, but Jody sets the standard… Jody replied almost immediately, communicated clearly, and followed through on every promise he made. You don't just feel like another customer, you feel like a priority."
"A fantastic company for all your insurance needs. They are clear and upfront, easy to work with, and make the entire process smooth and efficient. Highly recommend!"
"Highly recommend if you want a hassle-free experience. Nova Coverage made everything simple and stress-free from start to finish."
Michigan Trucking Insurance Requirements
Whether you cross state lines or haul Michigan-only freight, here's the coverage the law requires — and what shippers and brokers will actually ask you for. We handle every filing below on your behalf.
Federal FMCSA Minimums
The legal minimum isn't the market minimum: nearly every shipper and broker requires $1,000,000 liability and $100,000 cargo, so that's what most Michigan motor carriers actually carry. Your insurer files the BMC-91/91X with FMCSA and attaches the MCS-90 endorsement — we take care of both.
Michigan State Minimums
Michigan adopts the federal Part 387 limits for intrastate carriers under the Motor Carrier Safety Act. Michigan-only for-hire carriers apply for CVED Authority through the Michigan State Police Commercial Vehicle Enforcement Division — online only, there is no paper form — and your insurer files a Form E. Renewal runs 1 October to 1 December each year. Michigan is also a no-fault state, so PIP sits on top of your liability limit and the MCCA assessment attaches per vehicle. We’ll walk you through both. For the full breakdown, including why the 1 October to 1 December renewal window decides whether you are still legal on 2 January, see how Michigan intrastate authority and the Form E filing actually work.
Trucking Insurance Coverage We Place In Michigan
Every operation is different. Here are the key commercial truck insurance coverages available to Michigan carriers — we'll build a package that fits yours.
Primary Liability
Bodily injury and property damage coverage at the limits Michigan and FMCSA require — state and federal filings included.
Physical Damage
Comprehensive and collision coverage for your tractors and trailers — protecting your biggest assets on and off the road.
Motor Truck Cargo
Covers the freight you haul if it's damaged, lost, or stolen in transit — including reefer breakdown coverage for temperature-sensitive loads.
Non-Trucking Liability
Bobtail and off-dispatch coverage for leased-on owner operators — often required by your lease agreement.
General Liability
Protects your trucking business from third-party claims unrelated to driving — like slip-and-fall at your yard or terminal.
Workers Comp & Occ/Acc
Workers compensation for employees and occupational accident coverage for owner operators who don't qualify.
Semi Truck, Box Truck & Hotshot Insurance In Michigan
From 18-wheelers crossing at the Ambassador Bridge to a box truck running Detroit parts routes, we quote them all — including the specialized operations that make Michigan trucking unique.
Trucking Insurance Quotes In Detroit & Across Michigan
Wherever you park your trucks, we've got you covered — with real knowledge of the freight that moves through every corner of the state.
Cities we serve across Michigan:
Don't see your city? We're licensed across the entire state of Michigan — and 18 more states if your authority grows.
Let Us Find Your Best Rate
Call or request your quote and a Nova Coverage agent will shop 50+ carriers to find you the best Michigan trucking insurance rate — usually within 24 hours.
Call Us Now
317-825-8088 Fill Out the Quote FormMon – Fri: 9am – 7pm EST • Sat & Sun by appointment
Your info is secure and never sold.
Why Michigan Truckers Choose Us
We Shop the Market
Access to 50+ top-rated trucking insurance companies means more options and more affordable rates than any single-carrier agent can offer — they compete, you win.
Filings Done Right
Form E with Michigan State Police CVED, BMC-91 and MCS-90 with FMCSA, UCR guidance — we handle the paperwork that keeps your authority active.
New Ventures Welcome
Just got your MC number? Several of our carriers have dedicated new-authority programs, and we'll walk you through your first year.
Women-Owned & Midwest-Grown
We're a women-owned agency headquartered in Indianapolis with 10+ years of trucking insurance experience. When you call, a real person picks up.
Michigan Trucking Insurance FAQ
How much does trucking insurance cost in Michigan?
What are the Michigan trucking insurance requirements?
What insurance filings does my Michigan trucking company need?
Do I need a USDOT number if I only haul within Michigan?
How does Michigan no-fault affect my truck insurance?
Can a new authority get trucking insurance in Michigan?
How fast can I get a certificate of insurance (COI)?
Ready To Save On Michigan Trucking Insurance?
Let Nova Coverage shop 50+ carriers for your best rate. It's free, fast, and no obligation — and your filings are on us.
Also insuring truckers in: Kentucky trucking insurance · Ohio trucking insurance · Illinois trucking insurance · Missouri trucking insurance · Indiana trucking insurance · Tennessee trucking insurance · Pennsylvania trucking insurance · Wisconsin trucking insurance