North Carolina metro areas we insure
Charlotte truck insurance
Our home base, where I-85, I-77 and I-485 meet. We quote semi trucks, box trucks, hot shots and commercial vehicles for businesses based in and around Charlotte.
Raleigh-Durham truck insurance
Research Triangle growth, construction and distribution. We quote semi trucks, box trucks, hot shots and commercial vehicles for businesses based in and around Raleigh-Durham.
Piedmont Triad truck insurance
Triad furniture, textiles and I-40/I-85 freight. We quote semi trucks, box trucks, hot shots and commercial vehicles for businesses based in and around Piedmont Triad.
Common North Carolina operations we place
Owner-operators and small fleets hauling furniture, building materials, food and final-mile delivery, plus contractors and delivery companies running work trucks and vans.
Coverage for North Carolina trucks
- Semi Truck insurance: owner-operators and small fleets running tractors, trailers and reefers under their own authority.
- Box Truck insurance: straight trucks for local delivery, final-mile, moving and Amazon-style routes.
- Hot Shot insurance: one-ton pickups with goosenecks and flatbeds hauling time-sensitive loads.
- Commercial Auto insurance: pickups, vans, dump trucks, tow trucks and work vehicles for contractors and local businesses.
North Carolina insurance requirements
Interstate for-hire carriers need a USDOT number, MC authority and a federal liability filing (BMC-91X), with a $750,000 minimum for general freight. Most brokers and shippers ask for $1,000,000 liability and $100,000 cargo. Intrastate rules vary, so confirm current requirements with the FMCSA and North Carolina's transportation department.
Where we write in North Carolina
Charlotte, Gastonia, Concord, Hickory, Statesville, Greensboro, Winston-Salem, High Point, Raleigh, Durham, Fayetteville, Wilmington, Asheville and every county in between.
North Carolina rules to know
- Interstate carriers need a USDOT number and, for most for-hire freight, an MC authority with a federal liability filing.
- North Carolina requires a USDOT number for intrastate commercial vehicles over 26,000 lbs and for some smaller for-hire and hazmat operations.
- Many shippers and brokers require $1,000,000 liability and $100,000 cargo, regardless of the legal minimum.
Rules change, so confirm current requirements with the FMCSA and the NC Department of Transportation.
Popular North Carolina operations we place
Furniture and textile freight out of the Triad, building materials and dump trucks around the Triangle, port freight out of Wilmington, and final-mile box trucks around Charlotte and Raleigh.
Frequently asked questions
Do you write truck insurance in North Carolina?
Yes. Duke Truck Insurance places semi truck, box truck, hot shot and commercial auto insurance in North Carolina and 33 other states, from our office in Charlotte, NC.
Which North Carolina metro areas do you cover?
All of North Carolina. We write the most business around Charlotte, Raleigh-Durham and Piedmont Triad, but trucks based anywhere in the state qualify.
How fast can I get a North Carolina truck insurance quote?
Most quotes come back the same business day. Call (980) 475-8076 or send the quote form with your USDOT number if you have one.
Do you insure trucks outside Charlotte?
Yes. We write trucking businesses based anywhere in North Carolina and South Carolina.