Bobtail Insurance Coverage: Everything You Need to Know
What is Bobtail Insurance?
Bobtail insurance is essential liability coverage for truck drivers, protecting against property damage or injuries caused while operating a truck without an attached trailer. Whether you’re driving between jobs, heading home after a delivery, or traveling for personal reasons, bobtail coverage ensures financial protection in case of an accident.
How Much Does Bobtail Insurance Cost?
A standard $1,000,000 bobtail policy typically costs between $35-$60 per month. However, prices vary depending on factors like: ✔ Your driving record ✔ The amount of coverage you choose ✔ Your location and routes driven
Be sure to compare policies and understand all terms to avoid coverage gaps. We help connect you with three experienced insurance agents who will compete for your business, ensuring you get the best coverage at the lowest price.
What is Non-Trucking Liability Insurance?
Non-trucking liability insurance covers property damage or bodily injuries you may cause while driving your truck for personal use and not under dispatch. Many owner-operators need this type of coverage for protection during non-business trips.
What’s the Difference Between Bobtail and Non-Trucking Liability Insurance?
These two policies are often confused, but they serve different purposes:
Bobtail Insurance: Covers liability when you’re driving a truck without a trailer, including between jobs or returning home after a delivery.
Non-Trucking Liability Insurance: Covers you when driving your truck for personal use and NOT under dispatch.
Primary Liability Insurance: This is mandatory for all commercial truckers and typically provided by your motor carrier while under dispatch.
Knowing how these coverages work together ensures you stay protected in all situations, both on and off the road.
Learn More: Truck Insurance Essentials
Stay informed and make smart coverage decisions by exploring our comprehensive guides: