If you’re an owner-operator or truck driver, you’ve likely heard about bobtail insurance. But if you’ve ever asked, “How much does bobtail insurance cost?” — you’re not alone. It's one of the most common questions we hear at Commercial Pro Shield Insurance. In this article, we'll break down what bobtail insurance covers, what factors affect pricing, and how to get the best value for your money.
What Is Bobtail Insurance?
Bobtail insurance is a type of trucking liability insurance that covers your truck when you’re not hauling a trailer — in other words, when you’re driving without a load, whether you're returning from a delivery or heading to pick one up.
Many motor carriers require bobtail coverage from independent drivers as part of their lease agreement, because even when you're not loaded, risks still exist on the road.
So, How Much Does Bobtail Insurance Cost?
On average, bobtail insurance costs between $30 to $50 per month, or around $360 to $600 annually. However, the actual cost can vary based on several key factors:
Factors That Affect Bobtail Insurance Cost
Driving Record: A clean driving history usually means lower premiums. If you have a history of accidents or violations, expect to pay more.
Location: Where you operate matters. High-traffic or high-risk areas can drive up the cost.
Experience: More years on the road often translates to better rates, especially if you've built a solid safety record.
Type of Truck: Heavier or more powerful rigs might come with a higher insurance rate.
Policy Limits & Deductibles: Choosing higher limits or lower deductibles will increase your monthly cost, but could save you in the long run.
Is Bobtail Insurance Worth It?
Absolutely — if you ever drive without a trailer under someone else’s authority, it’s not just a smart move, it’s often required. Without it, you could be left paying out-of-pocket for accidents or damages not covered by primary liability insurance.
How to Save on Bobtail Insurance
At Commercial Pro Shield Insurance, we work with truckers across the country to help them compare rates, customize coverage, and save money on their policies. Here are a few tips to lower your bobtail insurance cost:
Bundle with other trucking policies
Keep your driving record clean
Work with a provider who understands trucking (like us!)
Review your coverage annually
Final Thoughts
Understanding bobtail insurance cost is essential for any trucker who drives without a trailer, even occasionally. The right policy not only protects your rig — it protects your livelihood.
Whether you're new to the road or a seasoned pro, Commercial Pro Shield Insurance is here to help you get the right coverage at the right price.
Have questions or are you ready to get a quote? Contact our team today and let’s get rolling.