Fort Wayne Trucking Insurance
50+ A-rated carriers. One call. Your best rate in about 24 hours.
Commercial truck insurance for fleets and owner operators running out of Fort Wayne, New Haven, Auburn and northeast Indiana.
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Truck Insurance Built For Northeast Indiana
Fort Wayne sits where I-69 meets US-30 and US-24, with I-469 carrying the ring around it and roughly half the United States population inside a day's drive. Norfolk Southern works the East Wayne Yard, Fort Wayne International runs 24-hour customs and air cargo, and both the Port of Indiana at Burns Harbor and the Port of Toledo are about two hours out. It is a genuinely central place to base trucks.
It is also close to two state lines, and that is where Fort Wayne carriers get tripped up. Ohio is forty minutes east and Michigan is an hour north, so a fleet that describes itself as running "local, 150 miles" is frequently operating in interstate commerce without having framed it that way. That is a federal authority question, a filings question and an insurance question all at once, and the answer decides which policy you should be buying.
Nova Coverage is an independent trucking insurance agency based in Indianapolis. We insure motor carriers across Indiana, and because we are independent, we shop your risk to 50+ A-rated carriers and make them compete for it.
- 50+ A-rated carriers quoted on every Fort Wayne trucking insurance policy
- Form E, BMC-91 & MCS-90 filings handled for you, at no extra charge
- Interstate vs intrastate sorted properly before you buy the wrong policy
- Dry van, reefer and flatbed fleets are the core of what we place in this corridor
Your Second Year Should Cost Less Than Your First
Most Fort Wayne carriers never find out what their clean history is worth, because nobody re-shops the account once it is on the books.
You Are A Different Risk Now
A dry van or reefer fleet running regional Midwest lanes out of northeast Indiana, with a couple of clean years and experienced drivers, is one of the most competitively quoted risks in commercial trucking. If your renewal has just rolled over at the same carrier every year, you have almost certainly never seen what that is worth.
The Moments Worth Re-Shopping
Whatever you run out of Fort Wayne, one call gets it in front of the right market. Just pulled your MC number? Start with our guide to getting trucking insurance with new authority, then come back to us in twelve months, because that is when the real savings show up.
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."
Coverage We Place For Fort Wayne Carriers
Every operation is different. These are the coverages that matter most to a fleet running out of Fort Wayne and northeast Indiana.
Primary Liability
Bodily injury and property damage at the limits FMCSA and Indiana require. Most shippers and brokers in this corridor will want to see $1,000,000 regardless of the legal floor.
Motor Truck Cargo
Covers the freight you are hauling. Worth reading closely if you run reefer, because breakdown and temperature loss are frequently excluded unless you add them back.
Physical Damage
Your tractor and trailer, on and off the job. Ask about towing and storage limits before you need them, not after, and make sure a leased tractor is scheduled at the right value.
Non-Trucking Liability
For owner operators under dispatch, covering the gap when the truck is off the motor carrier's authority.
General Liability
Premises and operations exposure at your yard, dock or terminal, which most northeast Indiana facilities will require in writing.
Filings
Form E with Indiana for intrastate authority, BMC-91 and MCS-90 with FMCSA for interstate. Your insurer files them, not you. We coordinate all of it.
Indiana Requirements, Short Version
The full breakdown lives on our Indiana trucking insurance page. Here is what a Fort Wayne carrier needs to know today.
Federal FMCSA Minimums
The legal minimum is not the market minimum. Nearly every broker in this corridor requires $1,000,000 liability and $100,000 cargo, so that is what most carriers here actually carry.
Indiana State Minimums
Indiana-only for-hire carriers register with the Indiana Department of Revenue's Motor Carrier Services on Form IOA-1 and need a Form E insurance filing, submitted by your insurance company rather than by you. Carriers at 10,001+ lbs GVWR also need a USDOT number. Given how close Fort Wayne is to Ohio and Michigan, the first thing worth settling is whether you are actually intrastate at all.
Why Fort Wayne Fleets Choose Us
We Shop the Market
Access to 50+ top-rated trucking insurance companies means more options and better rates than any single-carrier agent can offer. They compete, you win.
Filings Done Right
Form E with Indiana, 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 will walk you through your first year.
We Read the Policy
A women-owned agency with 10+ years in trucking. We tell you what your form actually says before you bind, not after something breaks.
Fort Wayne Trucking Insurance FAQ
How much does trucking insurance cost in Fort Wayne, IN?
I only run 150 miles from Fort Wayne. Am I interstate or intrastate?
Do I need Indiana intrastate authority if I am based in Fort Wayne?
Do you write dry van, reefer and flatbed fleets out of Fort Wayne?
Can a new authority get trucking insurance in Fort Wayne?
How fast can I get a certificate of insurance?
Ready To Shop Your Fort Wayne Trucking Insurance?
Let Nova Coverage put your risk in front of 50+ carriers. It's free, fast, and no obligation, and your filings are on us.
More Indiana coverage: Indiana trucking insurance · Indianapolis trucking insurance · Indiana intrastate authority & Form E · All states we serve