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Wisconsin Trucking Insurance

50+ A-rated carriers. One call. Your best rate in about 24 hours.

Commercial truck insurance for Wisconsin owner operators and fleets, from the independent agency headquartered right here at the Crossroads of America.

Form E & FMCSA filings FREE New authorities welcome Same-day COIs
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Commercial Truck Insurance In Wisconsin, Built For Wisconsinites

Wisconsin makes about a quarter of America’s cheese and leads the nation in paper, so reefer and flatbed work here is year-round rather than seasonal. I-94 and I-90 carry heavy overhead traffic that never stops in the state. If you run trucks here, you’re hauling mixed freight in hard weather — and your trucking insurance should be built for it.

Nova Coverage is an independent trucking insurance agency headquartered in Indianapolis. We insure Wisconsin 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 Wisconsin 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
Semi truck covered by commercial truck insurance in Wisconsin
Indianapolis HQLicensed & active in Wisconsin
We Know Your LanesCovering Every Major Wisconsin Freight Corridor
INTERSTATE94
INTERSTATE90
INTERSTATE41
INTERSTATE43
INTERSTATE39
INTERSTATE535
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"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."

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"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!"

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Know Your Numbers

Wisconsin Trucking Insurance Requirements

Whether you cross state lines or haul Wisconsin-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.

Interstate — Crossing State Lines

Federal FMCSA Minimums

General freight (non-hazardous)$750,000
Oil transport$1,000,000
Most hazardous materials$5,000,000

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 Wisconsin motor carriers actually carry. Your insurer files the BMC-91/91X with FMCSA and attaches the MCS-90 endorsement — we take care of both.

Intrastate — Wisconsin Only

Wisconsin State Minimums

Vehicles 10,000 lbs and under$300,000
Over 10,000 lbs$750,000
Cargo liabilityNot set by state

Wisconsin-only for-hire carriers apply to WisDOT Motor Carrier Services for Local Cartage (LC) authority using Form MV2843, and your insurer files a Form E certificate with the DMV — you cannot file it yourself. Wisconsin does not publish an intrastate cargo minimum, so cargo limits are driven by what your shippers and brokers demand rather than by the state. Watch the seasonal weight postings too: WisDOT runs frozen road declarations and spring Class II restrictions across five zones with staggered dates.

Coverage Options

Trucking Insurance Coverage We Place In Wisconsin

Every operation is different. Here are the key commercial truck insurance coverages available to Wisconsin carriers — we'll build a package that fits yours.

Primary Liability

Bodily injury and property damage coverage at the limits Wisconsin 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 Wisconsin

From reefer fleets hauling Wisconsin dairy to a single box truck working the Milwaukee metro, we quote them all — including the specialized operations that make Wisconsin trucking unique.

Semi Trucks & 18-WheelersSemi truck insurance for long-haul & regional rigs
Box TrucksStraight trucks & final-mile delivery
Hotshot TruckingClass 3–5 pickups with gooseneck trailers
Dump TrucksAggregate, demo & construction hauling
Reefer TrucksRefrigerated & temperature-controlled
Flatbeds & Step DecksSteel, lumber, machinery & oversize
Ag & Dairy HaulersDairy, food-grade & Fox Valley paper
Expedited & SprintersCargo vans & time-critical freight
Statewide Coverage, Local Knowledge

Trucking Insurance Quotes In Milwaukee & Across Wisconsin

Wherever you park your trucks, we've got you covered — with real knowledge of the freight that moves through every corner of the state.

Southeast WisconsinMilwaukee, Kenosha, Pleasant Prairie & Racine — the densest warehouse belt in the state, absorbing Chicago-market overflow with Port Milwaukee drayage alongside.
Northeast & the Fox ValleyGreen Bay, Appleton, Neenah & Oshkosh — the paper and packaging heart of the state, the Port of Green Bay, and a truckload carrier cluster on I-41 and I-43.
Western & Central WisconsinMadison, Eau Claire, La Crosse & Wausau — reefer country feeding the Twin Cities and Chicago, plus frac sand, forest products and the toughest spring postings.

Cities we serve across Wisconsin:

Milwaukee Madison Green Bay Appleton Oshkosh Kenosha Pleasant Prairie Racine Oak Creek Menomonee Falls Waukesha New Berlin De Pere Neenah Fond du Lac Eau Claire La Crosse Wausau

Don't see your city? We're licensed across the entire state of Wisconsin — and 18 more states if your authority grows.

Get Your Free Quote

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 Wisconsin trucking insurance rate — usually within 24 hours.

Quick TurnaroundMost quotes delivered same day or within 24 hours.
No ObligationGet your quote free — no pressure, no commitment.
Personal AgentWork with a real person who knows trucking inside and out.
START YOUR WISCONSIN QUOTE One quick call — we'll take it from there.

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Why Nova Coverage

Why Wisconsin 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 WisDOT DMV, 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 & 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.

Common Questions

Wisconsin Trucking Insurance FAQ

How much does trucking insurance cost in Wisconsin?
It depends on your radius, cargo, driving history, CDL experience, and how long your authority has been active. As a rough ballpark, a new-authority owner operator hauling general freight in Wisconsin often lands somewhere in the range of $12,000–$20,000+ per year for liability, cargo, and physical damage combined — while carriers with 2+ years of clean authority typically pay significantly less. This is an estimate, not a quote: because we’re independent, we shop your risk to 50+ carriers and let them compete instead of quoting you one company’s rate.
What are the Wisconsin trucking insurance requirements?
If you cross state lines, FMCSA requires at least $750,000 in public liability for general freight, $1,000,000 for oil transport, and $5,000,000 for most hazardous materials — though nearly all shippers and brokers require $1,000,000 liability and $100,000 cargo. For Wisconsin-only for-hire freight you need Local Cartage authority from WisDOT and at least $750,000 liability over 10,000 lbs, or $300,000 at 10,000 lbs and under.
What insurance filings does my Wisconsin trucking company need?
Interstate motor carriers need a BMC-91/91X filing with FMCSA plus the MCS-90 endorsement. Wisconsin intrastate carriers need a Form E certificate filed with the WisDOT DMV by your insurance company, or an active federal BMC-91X on file. We handle these filings for you at no extra charge, and we’ll tell you which route is cleaner for your operation.
Do I need a USDOT number if I only haul within Wisconsin?
Yes, in most cases. Wisconsin adopts the federal trigger for intrastate carriers, so you need a USDOT number at 10,001 lbs GVWR, GCWR or actual gross weight or more, when carrying more than 8 passengers for compensation, or when hauling placardable hazmat. WisDOT’s own authority application puts it plainly: operating over 10,000 lbs means you need a USDOT number.
How do Wisconsin seasonal weight restrictions affect my operation?
More than most carriers expect. WisDOT runs three overlapping seasonal programmes because pavement swings from thirty below to seventy above. The winter Frozen Road Declaration actually raises allowable weights while the sub-base is frozen, then Class II restrictions and posted-road limits run from roughly March into early May. The state highway system is split into five zones with staggered end dates, and counties and townships post independently, so the same load can be legal in one county and not the next.
Can a new authority get trucking insurance in Wisconsin?
Absolutely — new ventures are one of our specialties. Several of our 50+ carriers have dedicated new-authority programs for Wisconsin trucking companies, and we'll handle your federal and state filings (BMC-91, MCS-90, Form E) so your authority activates as fast as possible.
How fast can I get a certificate of insurance (COI)?
Once your policy is bound, certificates typically go out same-day — often within the hour during business hours — and our clients get 24/7 COI access. A truck that isn't rolling isn't earning, and we run our service team accordingly.

Ready To Save On Wisconsin 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  ·  Illinois  ·  Kentucky  ·  Ohio  ·  Missouri  ·  Tennessee  ·  Pennsylvania  ·  Michigan  ·  see all 20+ states

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