How Much Is Bobtail Insurance Per Month?

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If you’re a truck owner-operator, you’re probably familiar with the term “bobtail insurance.” This type of insurance provides coverage for your truck when it is not under dispatch or hauling a load. It protects you from financial liability in case of accidents or damage that may occur during these periods.

One common question among truck owners is, “How much does bobtail insurance cost per month?” Let’s dive into the details and find out.

Understanding Bobtail Insurance

Bobtail insurance is a specialized insurance policy designed for owner-operators who use their trucks for non-business purposes. It covers accidents or damage that may occur when you’re driving your truck without a trailer or load.

While your primary liability insurance provides coverage when you’re under dispatch, bobtail insurance fills the coverage gap during off-duty periods.

The Cost of Bobtail Insurance

Now, let’s talk about the cost of bobtail insurance. The average cost of bobtail insurance per month ranges from $20 to $50. However, keep in mind that this is just an estimate, and the actual cost may vary based on factors such as your driving record, the value of your truck, and the insurance company you choose.

Factors Affecting Bobtail Insurance Cost

Several factors influence the cost of bobtail insurance. Here are some key factors to consider:

  • Driving Record: Your driving record plays a significant role in determining your bobtail insurance premium. If you have a clean driving record with no accidents or violations, you can expect a lower premium compared to someone with a history of accidents or incidents.

  • Truck Value: The value of your truck also affects the cost of bobtail insurance. Generally, the higher the value of your truck, the higher the insurance premium.

    This is because more expensive trucks tend to have higher repair costs in case of accidents.

  • Insurance Company: Different insurance companies have different rates for bobtail insurance. It’s essential to shop around and compare quotes from multiple providers to find the best coverage at the most competitive price.

  • Coverage Limits: The coverage limits you choose for your bobtail insurance policy also impact the cost. Higher coverage limits typically result in higher premiums.

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Additional Coverage Options

While bobtail insurance covers you during off-duty periods, it’s important to note that it doesn’t provide comprehensive coverage for all situations. As a truck owner-operator, you may also need other types of insurance coverage, such as physical damage insurance and general liability insurance, to ensure adequate protection for your business.

These additional coverage options will add to the overall cost of your insurance premiums.

The Best Bobtail Insurance Companies

When choosing a bobtail insurance provider, it’s crucial to consider factors such as customer service, claims handling, and overall reputation. Here are some of the best bobtail insurance companies that offer competitive rates and excellent coverage:

  • XYZ Insurance: (Amazon Search Link: XYZ Insurance) – XYZ Insurance is known for its affordable rates and responsive customer service. They specialize in providing insurance solutions tailored to the needs of truck owner-operators.

  • ABC Insurance: (Amazon Search Link: ABC Insurance) – ABC Insurance is a reputable company that offers comprehensive coverage options for owner-operators. Their rates are competitive, and they have a strong track record of customer satisfaction.

  • DEF Insurance: (Amazon Search Link: DEF Insurance) – DEF Insurance is known for its reliable coverage and affordable premiums. They have a wide range of coverage options to meet the specific needs of truck owners.


In conclusion, the cost of bobtail insurance per month ranges from $20 to $50 on average. However, it’s essential to consider various factors that can affect the premium, such as your driving record, truck value, coverage limits, and the insurance company you choose.

Additionally, it’s crucial to explore additional coverage options like physical damage insurance and general liability insurance to ensure comprehensive protection for your trucking business.

When it comes to finding the best bobtail insurance, consider reputable companies like XYZ Insurance, ABC Insurance, and DEF Insurance. Their competitive rates, excellent customer service, and tailored coverage options make them reliable choices for truck owner-operators.

Remember, insurance is a crucial investment for your trucking business. By choosing the right coverage and staying informed about the costs involved, you can protect yourself financially and operate your business with peace of mind.

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(Note: The author of this blog article is not related to any of the provided products or services. The recommended product is based on the author’s expertise and research.)

Frequently Asked Questions

What does bobtail insurance cover?

Bobtail insurance provides coverage for liability when operating a truck without a trailer, commonly known as 'bobtailing.' It covers the tractor anytime it is not attached to a trailer, regardless of dispatch status.

Does bobtail insurance cover physical damage?

No, bobtail insurance only provides liability coverage. It does not cover physical damage to the insured truck. The motor carrier typically provides physical damage coverage.

What is the cost of bobtail insurance?

The cost of bobtail insurance varies depending on factors such as the driver's experience, driving record, type of truck, and coverage limits. It is recommended to contact insurance providers for quotes.

Is bobtail insurance the same as non-trucking liability insurance?

No, bobtail insurance covers liability when driving without a trailer, while non-trucking liability insurance protects owner-operators from liability when using their trucks for personal matters.

What is bobtail deadhead insurance?

Bobtail deadhead insurance offers liability coverage for drivers during personal trips without a trailer attached. It helps cover the cost of physical damage in case of an accident during deadhead trips.