Ohio Trucking Insurance
50+ A-rated carriers. One call. Your best rate in about 24 hours.
Commercial truck insurance for Ohio owner operators and fleets — with your PUCO Form E filing handled free and quotes from an independent Midwest agency that actually knows trucking.
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Commercial Truck Insurance In Ohio, Built For Buckeye Freight
Ohio runs the fourth-largest interstate highway system in America, and more than 60% of the US and Canadian population sits within one day’s drive. I-70 and I-71 meet in Columbus, I-75 carries the Toledo–Dayton–Cincinnati auto corridor, and the Ohio Turnpike hauls the north. Columbus’s Rickenbacker is one of the only cargo-dedicated airports in the world, ringed by the Groveport, Obetz, and Etna warehouse belt, while Cleveland’s steel and the river ports keep flatbeds and dumps busy statewide.
Nova Coverage insures Ohio motor carriers from our Indianapolis headquarters, right up I-70. We handle the PUCO paperwork that trips up so many Ohio-only carriers — the Certificate of Public Convenience and Necessity and the insurer-filed Form E — and because we’re independent, we shop your risk to 50+ A-rated carriers and make them compete.
- PUCO Form E filed by your insurer — required for Ohio intrastate authority, handled by us
- No weight-distance tax in Ohio — we’ll keep your compliance list honest and short
- 50+ A-rated carriers quoted on every Ohio 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.”
Ohio Trucking Insurance Requirements
Ohio’s intrastate rules run through PUCO and intentionally mirror the federal tiers, which makes stepping up to interstate authority a natural move. 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 Ohio motor carriers actually carry. Your insurer files the BMC-91/91X with FMCSA and attaches the MCS-90 endorsement — we take care of both.
Ohio State Minimums (PUCO)
Ohio-only for-hire carriers get a Certificate of Public Convenience & Necessity from the Public Utilities Commission of Ohio (PUCO), and your insurance company files the Form E proof of insurance with PUCO — you can’t do it yourself. Trucks display the PUCO or USDOT number with the company name, and there’s a small annual PUCO per-vehicle tax. Because Ohio’s limits mirror the federal tiers (OAC 4901:2-13-03), the coverage you buy for intrastate work already meets FMCSA levels when you’re ready to cross state lines. We broke down how Ohio intrastate authority and the Form E filing actually work.
Trucking Insurance Coverage We Place In Ohio
Every operation is different. Here are the key commercial truck insurance coverages available to Ohio carriers — we’ll build a package that fits yours.
Primary Liability
Bodily injury and property damage coverage at the limits Ohio 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 in transit — auto parts, steel, or produce, including reefer breakdown coverage.
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 Ohio
From 18-wheelers working the Turnpike to a single box truck on the Rickenbacker belt, we quote them all — including the specialized operations that keep Ohio freight moving.
Trucking Insurance Quotes In Columbus, Cleveland, Cincinnati & Across Ohio
Wherever you park your trucks, we’ve got you covered — with real knowledge of the freight that moves through every corner of the state.
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 Ohio 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 Ohio 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 PUCO, 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.
Ohio Trucking Insurance FAQ
How much does trucking insurance cost in Ohio?
What are the Ohio trucking insurance requirements?
What is PUCO and what filings does my Ohio trucking company need?
Does Ohio have a weight-distance or highway use tax?
Can a new authority get trucking insurance in Ohio?
How fast can I get a certificate of insurance (COI)?
Ready To Save On Ohio 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 · Illinois trucking insurance · Missouri trucking insurance · Tennessee trucking insurance · Pennsylvania trucking insurance · Wisconsin trucking insurance · Michigan trucking insurance