Let Us Handle your Insurance and We’ll Let you Handle the Driving!
Long-Haul Trucking Insurance in Utah
Cross-State Coverage That Keeps You Moving
If you’re hauling loads across state lines, you need more than basic trucking insurance—you need long-haul trucking insurance that meets both federal and interstate requirements. At Truck Insurance Helpers, we specialize in helping new and experienced long-haul drivers across Utah get affordable, reliable coverage for their extended trips.
What Is Long-Haul Trucking Insurance?
Long-haul trucking insurance is designed for truckers who travel more than 300 miles per trip, often across state lines. It must meet federal regulations, broker requirements, and protect you over longer, riskier routes.
Common coverages in a long-haul insurance policy:
Primary Liability Insurance – Required for interstate commerce and FMCSA authority.
Cargo Insurance – Protects goods in transit across long distances.
Physical Damage Coverage – Covers your truck and trailer if damaged.
Bobtail/Non-Trucking Liability – Covers you when you’re not under dispatch.
Trailer Interchange – If you haul non-owned trailers.
Occupational Accident Insurance – Often chosen instead of workers’ comp for owner-operators.
We help you understand your needs, compare quotes, and get insured fast—so you can hit the road legally and safely.
Who Needs Long-Haul Coverage?
You need long-haul trucking insurance if:
You travel more than 300 miles per delivery or work in interstate commerce.
You’re operating under your own MC/DOT number.
You’re a for-hire carrier transporting goods across state lines.
You’re contracted with brokers or shippers who require specific limits or filings.
Whether you’re new to long-haul driving or switching from short-haul, we tailor your plan based on your route, cargo, and vehicle type.
How to Get Long-Haul Trucking Insurance
Long-haul coverage can be complex, but we make it easy. Here’s how our process works:
Request a Free Quote – Call or fill out our online form.
We Compare Top Carriers – We find policies that meet your route, cargo, and FMCSA compliance needs.
You Review & Choose – We’ll explain your options and help you choose confidently.
Get Bound & Filed – We issue your policy and file your insurance with FMCSA fast.
We also assist with UCR registration, BOC-3 filings, and other long-haul startup steps.
Resources for Long-Haul Truckers
Whether you’re starting out or scaling up, these links will help you understand and manage your long-haul operation:
FMCSA Operating Authority Overview
Interstate Trucking Insurance Requirements (FMCSA)
OOIDA: Long-Haul Driver ResourcesTop Ways to Lower Insurance Premiums as a New Driver
Have questions? Call us today—we’re happy to walk you through every step.
Types of Commercial Auto Coverage
Diminished Value Insurance Coverage
Diminished Value Coverage accounts for the actual or perceived loss in market value or resale value of a car that was in an accident.
Truck Cargo
In many cases, the most valuable asset in your business is the cargo you haul. Truck Cargo coverage insures the contents of the trailer and much more so you are not liable for damages.
On-Hook Towing Insurance Coverage
On-Hook Towing Insurance Coverage pays for damages to a vehicle, such as fire or collision, while the car is in tow.
Garagekeepers Insurance Coverage
Garagekeeper coverage protects tow truck drivers against things like fire, theft, vandalism, or a collision with a vehicle they are towing.