Indiana Trucking Insurance
Commercial Truck Insurance in Indiana
They put “Crossroads of America” on the state seal for a reason: more interstate highway crosses Indiana per square mile than almost anywhere, with Indianapolis at the hub and the I-80/94 corridor pounding through steel country up north. Marquee builds Indiana programs across 30+ A-rated markets. Trucking is all we do.
Not sure your limits still meet Indiana's current requirements? Have us re-check them →
- State filings handled
- 30+ A-rated markets
- Trucking is all we do
Indiana, Covered
Gary to the river · down I-65 through Indy
Lake Michigan to the Ohio River — 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 Indiana operations. Three different programs.
An Indy hub feeder, a northwest Indiana steel hauler, and a Crossroads long-hauler are three different books — and we quote them that way. The same truck gets a different program depending on what it hauls and where — here's how that plays out in Indiana:
Indy hub feeder
Parcel & expedited
Hub-speed freight with hub-speed certificate turnaround and limits 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
- General liability — premises and operations exposure — docks, yards, and loading
Steel-country flatbed
Gary & the lakeshore
Coil, plate, and machinery — cargo sized to the commodity, placed with flatbed-strong markets.
- Auto liability — primary liability under your authority, at limits your contracts require
- Motor truck cargo — limits sized to the commodity's real value, not a default number
- Physical damage — collision and comprehensive for owned and financed equipment
- Occupational accident — injury benefits for contractor and owner-operator drivers
Crossroads long-hauler
I-65/I-70/I-80 through-freight
High exposure miles priced accurately — not punished — across America's busiest crossroads.
- 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 coverageCrossroads Freight
Built for the state that freight can't avoid
Indiana's geography does the selling: I-65, I-70, I-69, I-74, and the brutal I-80/94 corridor all cross here, Indianapolis anchors a major parcel and air-cargo hub, and the state's plains fill with distribution centers serving the eastern half of the country. Up north, steel country around Gary and the lakeshore keeps flatbed and heavy-haul work steady; downstate, ag and manufacturing freight rounds out the book. High interstate mileage means high exposure miles — Indiana carriers earn their safety scores, and we make sure underwriters price them accordingly.
The Indianapolis hub
Parcel-feeder, expedited, and DC freight around the I-465 ring — quoted with hub-speed certificate turnaround.
Steel & heavy-haul up north
Gary and lakeshore flatbed, coil, and machinery loads with cargo limits sized to the commodity.
The I-80/94 gauntlet
Some of the heaviest truck traffic in America — priced by underwriters who know the corridor and still want the risk.
Downstate ag & manufacturing
Grain, equipment, and plant freight placed with markets that want rural Indiana risk.
The Coverage We Place
One agency. Your whole Indiana 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 →Every carrier east of the Mississippi ends up on an Indiana interstate eventually. The ones domiciled here run more exposure miles than almost anyone — their coverage should be priced by people who understand that's not the same thing as more risk.
Nate MarquardtPresident, Marquee Insurance GroupIndiana Questions
What Indiana truckers ask us most
What insurance do I need to run a trucking company in Indiana?
It depends on your operation. Interstate carriers follow federal FMCSA financial-responsibility requirements tied to their authority; carriers operating only within Indiana 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 steel and flatbed haulers in northwest Indiana?
Yes. Coil, plate, and machinery loads out of steel country are specialty cargo — securement standards, high per-load values, and shipper requirements that generic policies miss. We place them with markets that write flatbed well and size motor truck cargo limits to the actual commodity.
How much does commercial truck insurance cost in Indiana?
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 Indiana 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 Indiana?
Yes. New ventures are one of our specialties — we place first-year Indiana 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 Indiana. 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.