Dump Truck Insurance Requirements

Dump truck insurance requirements include minimum liability insurance coverage for damage and bodily injury. Follow this guide to learn more about the dump truck insurance requirements in your state.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 8, 2020

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Here's what you need to know...

  • Dump trucks are heavy commercial vehicles that are required to have coverage
  • Insurance for dumps trucks usually includes simply liability insurance
  • Additional insurance is recommended for businesses using dump trucks

Dump trucks are heavy commercial vehicles that are subject to state regulation. Each state will regulate their own dump truck insurance requirements.

Liability covers property damage and bodily injuries that may arise from an accident involving the dump truck.

While such insurance is a key to the safe operation of any business operating a dump truck, there are additional insurance scenarios and options that should be considered.

Read on to learn more and then enter your zip above to start comparing quotes for car insurance on all types of vehicles!

Dump Truck Insurance Helps Protect Businesses


If a dump truck or group of dump trucks, is owned by a trucking company, then full insurance coverage is a wise investment.

However, if an individual dump truck is leased to a separate trucking company, then the company that is leasing the dump truck may provide liability insurance while it is operating on the job site.

The owner of the dump truck, however, will still be responsible for the physical damage insurance that covers damage to the dump truck itself.

In some states, trucking companies are required to produce proof of financial responsibility in addition to heavy commercial vehicle insurance.

Many insurance providers will facilitate the process of submitting these state forms and will also aid businesses in filing the necessary federal forms.

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Physical Damage Insurance for Dump Trucks


Several elements contribute to the full definition of physical damage coverage including:

  • Collision insurance covers damages that affect the dump truck and may be caused by scenarios such as collisions
  • Comprehensive insurance covers damages caused by fire, theft, vandalism, animals, and foreign objects on the road
  • Combined additional coverage covers not only fire and theft but also lightning, flooding, earthquakes, and windstorms

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Cargo Insurance and Fleet Insurance for Dump Trucks

Insuring the cargo moved by dump trucks is not mandated by law, but it is a practical necessity for business owners.

The type of cargo being transported and where it is being hauled will affect the premiums.

The more expensive or dangerous the cargo, the higher the rates will be and the greater the need for such protections.

If a business owner is in possession of several dump trucks, he may be eligible for fleet insurance. Buying coverage for dump trucks as a group instead of individually will likely have cost saving benefits.

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Clean Driving and Safety Records Are Crucial

Just as in the personal auto insurance realms, a clean driving record will go a long way toward lower premiums.

The record of each one of the dump truck’s listed drivers will be considered when calculating the overall premiums.

The age and number of years each driver has been employed with the company will also be considered.

Employing all safety mechanisms can also lead to a reduction in annual premiums.

Not only will these features make the dump trucks less of a threat on the open road, but they will make the trucks less of a burden on the wallet with each insurance payment.

Compare Dump Truck Insurance Quotes Online

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Using an online car insurance rate quote comparison tool to find the best policy for your trucking business will yield a broad range of results for your consideration.

Quickly gathering quotes will justify all the time you spend answering the questions that insurance companies must ask to produce accurate insurance quotes for dump trucks.

Compare dump truck insurance quotes today!

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