Illinois Trucking Insurance
The freight capital of North America deserves better than one quote.
Commercial truck insurance for Illinois owner operators and fleets — with your ILCC Form E and Form H filings handled free, and cargo coverage built for the state where cargo thieves work hardest.
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Commercial Truck Insurance In Illinois, Built For The Big Leagues
Nowhere in North America moves freight like Illinois. Six of the seven Class I railroads converge on Chicago and roughly a quarter of all US rail traffic touches the city, the CenterPoint Intermodal Center in Joliet/Elwood is the largest inland port on the continent, and O’Hare moves more than two million metric tons of air cargo a year. Nine interstates cross the state, from the I-80 truck corridor to Effingham’s I-57/I-70 junction downstate.
All that freight comes with big-league risk: Illinois ranked among the top three states in the nation for cargo theft in 2024. Nova Coverage insures Illinois motor carriers from our Indianapolis headquarters — we handle the ILCC paperwork (the Public Carrier Certificate, the insurer-filed Form E, and the Form H cargo filing), spec cargo coverage that actually responds to theft, and shop your risk to 50+ A-rated carriers so they compete for your business.
- ILCC Form E & Form H filed by your insurer — required for Illinois intrastate authority, handled by us
- Cargo coverage built for Chicago — theft-heavy lanes need better-than-minimum cargo limits
- 50+ A-rated carriers quoted on every Illinois trucking insurance policy
- 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.”
Illinois Trucking Insurance Requirements
Illinois-only carriers answer to the Illinois Commerce Commission, and the ILCC wants both a liability filing and a cargo filing on record. Here’s what the law requires — 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 Illinois motor carriers actually carry. Your insurer files the BMC-91/91X with FMCSA and attaches the MCS-90 endorsement — we take care of both.
Illinois State Minimums (ILCC)
Illinois-only for-hire property carriers need a Public Carrier Certificate from the Illinois Commerce Commission ($50 plus $5 per-vehicle cab cards, renewed annually), display their ILL.C.C. number on the truck, and keep two filings active: Form E (liability) and Form H (cargo) — both submitted by your insurance company, not you. If your insurer cancels and no replacement filing hits the ICC first, your authority is exposed; we manage that handoff so there’s never a gap.
Illinois intrastate authority is its own credential. If your loads pick up and deliver inside Illinois, you need a Public Carrier Certificate from the ICC, and it stays valid only while your Form E is on file. We broke down how Illinois intrastate authority and the Form E filing actually work.
Trucking Insurance Coverage We Place In Illinois
Every operation is different. Here are the key commercial truck insurance coverages available to Illinois carriers — we’ll build a package that fits yours.
Primary Liability
Bodily injury and property damage coverage at the limits Illinois 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. Equipment you pull but do not own falls under trailer interchange insurance, which is a separate coverage.
Motor Truck Cargo
Covers the freight you haul if it’s damaged, lost, or stolen — and in the #3 cargo-theft state in America, stolen is not a hypothetical. We spec real limits, not minimums.
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 Illinois
From intermodal drayage at the Joliet ramps to a hotshot rig running downstate, we quote them all — including the specialized operations that keep Illinois freight moving.
Trucking Insurance Quotes In Chicago, Joliet & Across Illinois
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 Illinois:
Don’t see your city? We’re licensed across the entire state of Illinois — 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 Illinois 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
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Why Illinois 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 and Form H with the Illinois Commerce Commission, 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. See how new venture trucking insurance works →
Women-Owned & Independent
We’re a women-owned agency headquartered in Indianapolis with 10+ years of trucking insurance experience. When you call, a real person picks up.
Illinois Trucking Insurance FAQ
How much does trucking insurance cost in Illinois?
What are the Illinois trucking insurance requirements?
What is an ILCC number and what filings do I need?
Why does cargo insurance matter so much in Illinois?
Can a new authority get trucking insurance in Illinois?
How fast can I get a certificate of insurance (COI)?
Ready To Save On Illinois 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: Indiana trucking insurance · Kentucky trucking insurance · Ohio trucking insurance · Missouri trucking insurance · Tennessee trucking insurance · Pennsylvania trucking insurance · Wisconsin trucking insurance · Michigan trucking insurance
Related reading: Illinois Intrastate Authority & the Form E Filing