NEW TRUCKING COMPANY? Pay-by-the-Mile Insurance Program
Short-Haul Trucking Insurance in Utah
If you operate within a 150–300 mile radius, you likely qualify as a short-haul trucker—and that means your insurance needs are different from long-haul drivers. At Truck Insurance Helpers, we specialize in short-haul trucking insurance designed to meet both state and federal requirements while lowering your premium.
Whether you’re a new driver, a contractor with a small fleet, or looking for more affordable local coverage options, we’ll help you find the best plan.
What Is Short-Haul Insurance?
Short-haul trucking insurance is tailored to drivers who transport goods locally or regionally rather than across state lines or coast to coast. Because routes are shorter, risks and premiums are often lower—but you still need to meet DOT and FMCSA standards.
Typically included in short-haul insurance:
Primary Liability Insurance (mandatory)
Cargo Coverage for your freight
Physical Damage Insurance for your truck
Non-Trucking Liability (for downtime driving)
Uninsured/Underinsured Motorist Coverage
Medical Payments / Personal Injury Protection
We help you navigate these requirements and get insured quickly, even if you’re a new truck driver or starting your own authority.
Who Needs It?
You should consider short-haul insurance if you:
Operate within 150–300 miles from your base
Are classified as a local or regional carrier
Haul agriculture, construction, retail, or general freight locally
Drive under your own authority or lease onto a company
Many new drivers start out in short-haul work before expanding—we help them get covered from day one.
How to Get Short-Haul Insurance
We keep the process simple and quick. Here’s how to get started:
Request a Free Quote – Call or submit your info online.
We Shop Multiple Providers – We find short-haul policies that match your route and vehicle.
Review Your Options – Choose the best rate and coverage fit.
Get Bound & Drive – We file with the FMCSA (if needed) and get you compliant fast.
Need help deciding between short- and long-haul? We’ll explain your options clearly.
Helpful Resources for Short-Haul Drivers
Here are some trusted resources to help you understand requirements and best practices:
FMCSA Short-Haul Exemption Rules
Details on who qualifies for short-haul exemptions and what that means for your logs and compliance.
How to Choose Between Long-Haul vs. Short-Haul Trucking
Overview comparing job types, insurance needs, and driver lifestyle.
Small Fleet and Owner-Operator Trucking Insurance Tips
Practical advice from the Owner-Operator Independent Drivers Association.
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.