Tennessee Trucking Insurance
Commercial Truck Insurance in Tennessee
Tennessee stretches I-40 from the Mississippi to the Smokies, with Memphis — one of the world's great freight hubs — on one end and the booming Nashville freight economy in the middle. East to west, Marquee builds Tennessee programs across 30+ A-rated markets. Trucking is all we do.
Not sure your limits still meet Tennessee's current requirements? Have us re-check them →
- State filings handled
- 30+ A-rated markets
- Trucking is all we do
Tennessee, Covered
Memphis to Knoxville · I-40, end to end
From the river terminals to the mountains — one agency, one renewal calendar.
Insurance requirements change. Your coverage shouldn't lag.
State legislatures, the FMCSA, and broker contracts all revise their requirements over time — and carriers usually find out from a compliance notice or a bounced load, then remarket under deadline pressure. We verify every account against current state and federal requirements at quote and at every renewal, so a rule change never catches you rolling. Get ahead of your renewal →
Programs We Build Here
Three Tennessee operations. Three different programs.
A Memphis hub feeder, a Nashville construction hauler, and an I-40 long-hauler share a state — and almost nothing else about how their coverage should be built. The same truck gets a different program depending on what it hauls and where — here's how that plays out in Tennessee:
Memphis hub feeder
Expedited & drayage
Time-critical freight with the limits and same-day certificate turnaround hub shippers expect.
- Auto liability — primary liability under your authority, at limits your contracts require
- Motor truck cargo — protects the freight — required by most brokers and shippers
- Physical damage — collision and comprehensive for owned and financed equipment
- Trailer interchange — non-owned chassis, containers, and trailers in your care
Nashville construction hauler
Dump, aggregate & equipment
Built for Middle Tennessee's boom — site exposure and contract requirements priced in.
- Auto liability — primary liability under your authority, at limits your contracts require
- Motor truck cargo — protects the freight — required by most brokers and shippers
- Physical damage — collision and comprehensive for owned and financed equipment
- General liability — premises and operations exposure — docks, yards, and loading
- Workers' compensation — for operations with employee drivers
I-40 long-hauler
River to mountains
The corridor stack brokers expect, end to end across the state's spine.
- Auto liability — primary liability under your authority, at limits your contracts require
- Motor truck cargo — protects the freight — required by most brokers and shippers
- Physical damage — collision and comprehensive for owned and financed equipment
- General liability — premises and operations exposure — docks, yards, and loading
Illustrative program shapes, not advice or a quote — every operation is different, and required coverage comes from your authority, your contracts, and your lender. Requirements change over time; we verify the current ones for your operation at every quote and renewal, and we handle the filings.
Want to know exactly what your operation needs today?Send us your dec pages — we'll verify your limits against current requirements and quote the gap across 30+ A-rated markets.
Check my coverageVolunteer State Freight
Built for the state I-40 calls home
Memphis anchors one of the planet's busiest cargo airports, a major river port, and five Class I railroads — a freight hub that keeps West Tennessee trucking working around the clock. Nashville's boom has turned Middle Tennessee into a distribution and construction freight market of its own, Chattanooga sits on the I-24/I-75 junction feeding the Southeast, and I-40 ties it all together end to end. Van, reefer, expedited, and drayage — Tennessee runs the full mix, and we quote all of it.
Memphis hub freight
Air-cargo feeders, river-port drayage, and rail intermodal — placed with markets that know hub work.
Nashville & Middle Tennessee
Distribution and construction freight in one of the country's fastest-growing metros.
The I-40/I-24/I-75 web
Through-freight across the Southeast's busiest junctions, quoted to corridor expectations.
New Tennessee authorities
First-year carriers get compliant, broker-ready, and rolling with our new authority program.
The Coverage We Place
One agency. Your whole Tennessee program.
The foundation of every program — bodily injury and property damage at limits your authority and loads require.
Explore coverage → Motor Truck CargoProtects the freight you haul; required by most brokers and shippers on the load.
Explore coverage → Physical DamageCollision and comprehensive for your tractor and trailer — required on financed equipment.
Explore coverage → The Full StackGeneral liability, per-shipment cargo, occupational accident, workers' comp, bobtail — one renewal calendar.
All coverages →Tennessee is a hub state — freight doesn't just pass through, it changes hands here. Carriers who work the hubs need coverage that keeps pace with how fast those loads move.
Nate MarquardtPresident, Marquee Insurance GroupTennessee Questions
What Tennessee truckers ask us most
What insurance do I need to run a trucking company in Tennessee?
It depends on your operation. Interstate carriers follow federal FMCSA financial-responsibility requirements tied to their authority; carriers operating only within Tennessee fall under state operating-authority and filing requirements, which are set by state law and change over time. On top of the legal minimums, brokers and shippers set their own contract requirements — usually higher — and lenders require physical damage on financed equipment. We verify the current requirements for your specific operation at every quote and renewal.
Do you insure expedited and air-cargo feeder carriers in Memphis?
Yes. Hub-connected work — expedited runs, air-cargo feeders, and drayage off the river and rail terminals — is time-critical freight where a coverage gap can cost a contract. We structure those programs with the limits and same-day certificate turnaround the hub's shippers expect.
How much does commercial truck insurance cost in Tennessee?
It depends on your operation: radius, commodity, driving records, years in business, equipment values, and loss history all move the number. The fastest way to a real number is a quote against 30+ A-rated markets — see how truck insurance cost works.
What coverages do Tennessee brokers and shippers usually require?
Beyond auto liability at limits above the legal minimum, most load agreements require motor truck cargo coverage and a certificate listing the broker as certificate holder. Requirements vary by broker and commodity — we read them before we quote. If you haul intermodal, UIIA has its own requirements — see our UIIA coverage page.
Can you insure a brand-new trucking authority in Tennessee?
Yes. New ventures are one of our specialties — we place first-year Tennessee authorities with carriers that actually want new-venture risk, and our start-up guide walks you through filings, compliance, and what brokers will ask for.
Built for Tennessee. Backed by 30+ markets.
Send us your dec pages — we'll verify your limits against current requirements, quote across 30+ A-rated markets, and build the full program: liability, cargo, physical damage, and everything your loads demand.