Pennsylvania Trucking Insurance
50+ A-rated carriers. One call. Your best rate in about 24 hours.
Commercial truck insurance for Pennsylvania owner operators and fleets, from the independent agency headquartered right here at the Crossroads of America.
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Commercial Truck Insurance In Pennsylvania, Built For Pennsylvanians
Pennsylvania is the country’s pass-through state. I-81 and I-78 feed the Lehigh Valley and Harrisburg warehouse belt, where roughly a third of the U.S. population sits inside a one-day truck turn, while I-95 through Philadelphia is the state’s worst freight bottleneck. If you run trucks here, you’re moving everyone else’s freight too — and your trucking insurance should be built for it.
Nova Coverage is an independent trucking insurance agency headquartered in Indianapolis. We insure Pennsylvania 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 Pennsylvania 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."
Pennsylvania Trucking Insurance Requirements
Whether you cross state lines or haul Pennsylvania-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 Pennsylvania motor carriers actually carry. Your insurer files the BMC-91/91X with FMCSA and attaches the MCS-90 endorsement — we take care of both.
Pennsylvania State Minimums
Pennsylvania is different from most states: any for-hire intrastate haul requires a Certificate of Public Convenience from the Pennsylvania Public Utility Commission — there is no weight threshold, and a USDOT or MC number does not grant PA intrastate authority. Your insurer files Form E for liability and Form H for cargo directly with the Commission; you cannot file your own proof, and coverage must be on file within 60 days or the authority is cancelled. We handle the filings. Our guide to how Pennsylvania intrastate authority and the PA PUC Form E filing actually work walks through the 60-day clock, who can file, and what gets an application dismissed.
Trucking Insurance Coverage We Place In Pennsylvania
Every operation is different. Here are the key commercial truck insurance coverages available to Pennsylvania carriers — we'll build a package that fits yours.
Primary Liability
Bodily injury and property damage coverage at the limits Pennsylvania 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 — 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 Pennsylvania
From 18-wheelers feeding the Lehigh Valley warehouse belt to a box truck working Philadelphia drayage, we quote them all — including the specialized operations that make Pennsylvania trucking unique.
Trucking Insurance Quotes In Philadelphia & Across Pennsylvania
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 Pennsylvania:
Don't see your city? We're licensed across the entire state of Pennsylvania — 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 Pennsylvania trucking insurance rate — usually within 24 hours.
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317-825-8088 Fill Out the Quote FormMon – Fri: 9am – 7pm EST • Sat & Sun by appointment
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Why Pennsylvania 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 the Pennsylvania PUC, 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.
Pennsylvania Trucking Insurance FAQ
How much does trucking insurance cost in Pennsylvania?
What are the Pennsylvania trucking insurance requirements?
What insurance filings does my Pennsylvania trucking company need?
Do I need a USDOT number if I only haul within Pennsylvania?
What is the Motor Carriers Road Tax and do I need it?
Can a new authority get trucking insurance in Pennsylvania?
How fast can I get a certificate of insurance (COI)?
Ready To Save On Pennsylvania 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 · Illinois trucking insurance · Missouri trucking insurance · Tennessee trucking insurance · Wisconsin trucking insurance · Michigan trucking insurance