{"@context":"https://schema.org","@type":"ItemList","@id":"https://safebridgeinsurance.com/api/states.json","name":"SafeBridge Insurance — State Coverage Data (8 states)","description":"Comprehensive commercial truck insurance data for 8 US states where SafeBridge Insurance is licensed: New Jersey, New York, Pennsylvania, Florida, Texas, Illinois, Ohio, California. Includes annual premium ranges, top carriers, unique state factors, insurance minimums, taxes, garaging tips, FMCSA registration, and state-specific laws.","numberOfItems":8,"itemListOrder":"https://schema.org/ItemListUnordered","publisher":{"@id":"https://safebridgeinsurance.com/#organization"},"license":"https://creativecommons.org/licenses/by/4.0/","dateModified":"2026-05-13","itemListElement":[{"@type":"ListItem","position":1,"item":{"@type":"Place","@id":"https://safebridgeinsurance.com/en/states/new-jersey-truck-insurance","name":"New Jersey","nameRu":"Нью-Джерси","identifier":"NJ","address":{"@type":"PostalAddress","addressRegion":"NJ","addressCountry":"US"},"url":"https://safebridgeinsurance.com/en/states/new-jersey-truck-insurance","sameAs":"https://safebridgeinsurance.com/ru/states/new-jersey-truck-insurance","description":"Commercial truck insurance in New Jersey: $12,200–$18,000/year per truck average OTR premium. 5 top carriers including Progressive Commercial, Canal Insurance, Great West Casualty.","additionalProperty":[{"@type":"PropertyValue","name":"capital","value":"Trenton"},{"@type":"PropertyValue","name":"population","value":"9.3 million"},{"@type":"PropertyValue","name":"motorCarriers","value":"47,800 registered motor carriers"},{"@type":"PropertyValue","name":"premiumLocal","value":"$8,000–$12,500/year per truck"},{"@type":"PropertyValue","name":"premiumRegional","value":"$11,800–$16,500/year per truck"},{"@type":"PropertyValue","name":"premiumOTR","value":"$12,200–$18,000/year per truck"},{"@type":"PropertyValue","name":"topCarriers","value":"Progressive Commercial, Canal Insurance, Great West Casualty, Sentry Insurance, National Indemnity (Berkshire)"},{"@type":"PropertyValue","name":"majorCities","value":"Jersey City, Newark, Elizabeth, Linden, Edison, Paterson"},{"@type":"PropertyValue","name":"insuranceMinBodily","value":"$15,000/$30,000 (state min) but FMCSA requires $750K-$5M depending on cargo"},{"@type":"PropertyValue","name":"insuranceMinProperty","value":"$5,000 (state min) — most truckers carry $50K-$100K"},{"@type":"PropertyValue","name":"uniqueLaw","value":"NJ Senate Bill 1145 (effective 2026): Requires all commercial vehicles over 26,000 lbs to maintain $1,000,000 minimum primary liability for intrastate operations (higher than federal $750,000 minimum)."},{"@type":"PropertyValue","name":"uniqueLawRu","value":"NJ Senate Bill 1145 (с 2026): Требует все commercial vehicles свыше 26,000 lbs иметь $1,000,000 минимум primary liability для intrastate operations (выше federal $750,000 минимума)."}]}},{"@type":"ListItem","position":2,"item":{"@type":"Place","@id":"https://safebridgeinsurance.com/en/states/new-york-truck-insurance","name":"New York","nameRu":"Нью-Йорк","identifier":"NY","address":{"@type":"PostalAddress","addressRegion":"NY","addressCountry":"US"},"url":"https://safebridgeinsurance.com/en/states/new-york-truck-insurance","sameAs":"https://safebridgeinsurance.com/ru/states/new-york-truck-insurance","description":"Commercial truck insurance in New York: $16,500–$23,900/year per truck average OTR premium. 5 top carriers including Progressive Commercial, Sentry Insurance, Great West Casualty.","additionalProperty":[{"@type":"PropertyValue","name":"capital","value":"Albany"},{"@type":"PropertyValue","name":"population","value":"19.3 million"},{"@type":"PropertyValue","name":"motorCarriers","value":"62,400 registered motor carriers"},{"@type":"PropertyValue","name":"premiumLocal","value":"$10,500–$15,200/year per truck"},{"@type":"PropertyValue","name":"premiumRegional","value":"$14,200–$19,800/year per truck"},{"@type":"PropertyValue","name":"premiumOTR","value":"$16,500–$23,900/year per truck"},{"@type":"PropertyValue","name":"topCarriers","value":"Progressive Commercial, Sentry Insurance, Great West Casualty, National General, GEICO Commercial"},{"@type":"PropertyValue","name":"majorCities","value":"Brooklyn, Queens, Staten Island, Bronx, Buffalo, Rochester, Syracuse"},{"@type":"PropertyValue","name":"insuranceMinBodily","value":"$25,000/$50,000 (state min) but FMCSA requires $750K-$5M"},{"@type":"PropertyValue","name":"insuranceMinProperty","value":"$10,000 (state min)"},{"@type":"PropertyValue","name":"uniqueLaw","value":"NY Vehicle and Traffic Law §388: NY has 'umbrella' permissive use doctrine making truck owners liable for ANY driver they permit to operate their truck. This makes insurance underwriting more conservative."},{"@type":"PropertyValue","name":"uniqueLawRu","value":"NY VTL §388: 'umbrella' permissive use doctrine — владельцы траков ответственны за ЛЮБОГО водителя которому разрешили водить. Это делает underwriting более consérvative."}]}},{"@type":"ListItem","position":3,"item":{"@type":"Place","@id":"https://safebridgeinsurance.com/en/states/pennsylvania-truck-insurance","name":"Pennsylvania","nameRu":"Пенсильвания","identifier":"PA","address":{"@type":"PostalAddress","addressRegion":"PA","addressCountry":"US"},"url":"https://safebridgeinsurance.com/en/states/pennsylvania-truck-insurance","sameAs":"https://safebridgeinsurance.com/ru/states/pennsylvania-truck-insurance","description":"Commercial truck insurance in Pennsylvania: $13,200–$18,500/year per truck average OTR premium. 5 top carriers including Erie Insurance (PA-based), Progressive Commercial, Canal Insurance.","additionalProperty":[{"@type":"PropertyValue","name":"capital","value":"Harrisburg"},{"@type":"PropertyValue","name":"population","value":"12.9 million"},{"@type":"PropertyValue","name":"motorCarriers","value":"38,200 registered motor carriers"},{"@type":"PropertyValue","name":"premiumLocal","value":"$7,800–$11,500/year per truck"},{"@type":"PropertyValue","name":"premiumRegional","value":"$10,500–$14,800/year per truck"},{"@type":"PropertyValue","name":"premiumOTR","value":"$13,200–$18,500/year per truck"},{"@type":"PropertyValue","name":"topCarriers","value":"Erie Insurance (PA-based), Progressive Commercial, Canal Insurance, Great West Casualty, Sentry Insurance"},{"@type":"PropertyValue","name":"majorCities","value":"Philadelphia, Pittsburgh, Allentown, Bethlehem, Easton, Scranton"},{"@type":"PropertyValue","name":"insuranceMinBodily","value":"$15,000/$30,000 (state min)"},{"@type":"PropertyValue","name":"insuranceMinProperty","value":"$5,000 (state min)"},{"@type":"PropertyValue","name":"uniqueLaw","value":"PA Limited Tort Election: PA Auto Insurance allows 'Limited Tort' option (lower premium but restricted right to sue for non-economic damages). Does NOT apply to commercial trucks but may affect company owners' personal coverage."},{"@type":"PropertyValue","name":"uniqueLawRu","value":"PA Limited Tort Election: Auto Insurance имеет 'Limited Tort' опцию (ниже премия но ограниченное право sue за non-economic damages). НЕ применяется к commercial truckам но влияет на personal coverage владельцев."}]}},{"@type":"ListItem","position":4,"item":{"@type":"Place","@id":"https://safebridgeinsurance.com/en/states/florida-truck-insurance","name":"Florida","nameRu":"Флорида","identifier":"FL","address":{"@type":"PostalAddress","addressRegion":"FL","addressCountry":"US"},"url":"https://safebridgeinsurance.com/en/states/florida-truck-insurance","sameAs":"https://safebridgeinsurance.com/ru/states/florida-truck-insurance","description":"Commercial truck insurance in Florida: $15,500–$22,800/year per truck average OTR premium. 5 top carriers including Progressive Commercial, Sentry Insurance, Canal Insurance.","additionalProperty":[{"@type":"PropertyValue","name":"capital","value":"Tallahassee"},{"@type":"PropertyValue","name":"population","value":"22.6 million"},{"@type":"PropertyValue","name":"motorCarriers","value":"85,300 registered motor carriers"},{"@type":"PropertyValue","name":"premiumLocal","value":"$10,800–$15,500/year per truck"},{"@type":"PropertyValue","name":"premiumRegional","value":"$13,500–$19,200/year per truck"},{"@type":"PropertyValue","name":"premiumOTR","value":"$15,500–$22,800/year per truck"},{"@type":"PropertyValue","name":"topCarriers","value":"Progressive Commercial, Sentry Insurance, Canal Insurance, Great West Casualty, National Indemnity"},{"@type":"PropertyValue","name":"majorCities","value":"Miami, Sunny Isles, Aventura, Hallandale, Tampa, Orlando, Jacksonville"},{"@type":"PropertyValue","name":"insuranceMinBodily","value":"$10,000/$20,000 (state min — lowest in US)"},{"@type":"PropertyValue","name":"insuranceMinProperty","value":"$10,000 (state min)"},{"@type":"PropertyValue","name":"uniqueLaw","value":"Florida FR-44: After DUI/DWI conviction, FL requires FR-44 filing for 3 years with $100K/$300K bodily injury minimum (vs SR-22 $10K/$20K). This makes FL post-DUI insurance the most expensive in US: $5,500-$8,000/year."},{"@type":"PropertyValue","name":"uniqueLawRu","value":"FL FR-44: После DUI требует FR-44 на 3 года с $100K/$300K bodily injury минимум (vs SR-22 $10K/$20K). Это делает FL post-DUI insurance самой дорогой в США: $5,500-$8,000/год."}]}},{"@type":"ListItem","position":5,"item":{"@type":"Place","@id":"https://safebridgeinsurance.com/en/states/texas-truck-insurance","name":"Texas","nameRu":"Техас","identifier":"TX","address":{"@type":"PostalAddress","addressRegion":"TX","addressCountry":"US"},"url":"https://safebridgeinsurance.com/en/states/texas-truck-insurance","sameAs":"https://safebridgeinsurance.com/ru/states/texas-truck-insurance","description":"Commercial truck insurance in Texas: $13,800–$20,500/year per truck average OTR premium. 5 top carriers including Progressive Commercial, Sentry Insurance, Canal Insurance.","additionalProperty":[{"@type":"PropertyValue","name":"capital","value":"Austin"},{"@type":"PropertyValue","name":"population","value":"30.5 million"},{"@type":"PropertyValue","name":"motorCarriers","value":"168,500 registered motor carriers (largest in US)"},{"@type":"PropertyValue","name":"premiumLocal","value":"$9,200–$13,800/year per truck"},{"@type":"PropertyValue","name":"premiumRegional","value":"$12,500–$17,800/year per truck"},{"@type":"PropertyValue","name":"premiumOTR","value":"$13,800–$20,500/year per truck"},{"@type":"PropertyValue","name":"topCarriers","value":"Progressive Commercial, Sentry Insurance, Canal Insurance, Great West Casualty, Texas Mutual (WC)"},{"@type":"PropertyValue","name":"majorCities","value":"Houston, Dallas, Fort Worth, Austin, San Antonio, El Paso, Laredo"},{"@type":"PropertyValue","name":"insuranceMinBodily","value":"$30,000/$60,000 (state min)"},{"@type":"PropertyValue","name":"insuranceMinProperty","value":"$25,000 (state min — high)"},{"@type":"PropertyValue","name":"uniqueLaw","value":"Texas Modified Comparative Fault: TX uses 51% bar rule — if you're more than 50% at fault for accident, you cannot recover damages. This is critical for personal injury claims involving truckers."},{"@type":"PropertyValue","name":"uniqueLawRu","value":"Texas Modified Comparative Fault: TX использует 51% bar rule — если вы более 50% виноваты в ДТП, не можете recover damages. Это критично для personal injury claims тракеров."}]}},{"@type":"ListItem","position":6,"item":{"@type":"Place","@id":"https://safebridgeinsurance.com/en/states/illinois-truck-insurance","name":"Illinois","nameRu":"Иллинойс","identifier":"IL","address":{"@type":"PostalAddress","addressRegion":"IL","addressCountry":"US"},"url":"https://safebridgeinsurance.com/en/states/illinois-truck-insurance","sameAs":"https://safebridgeinsurance.com/ru/states/illinois-truck-insurance","description":"Commercial truck insurance in Illinois: $14,200–$19,800/year per truck average OTR premium. 5 top carriers including Progressive Commercial, Sentry Insurance, Great West Casualty.","additionalProperty":[{"@type":"PropertyValue","name":"capital","value":"Springfield"},{"@type":"PropertyValue","name":"population","value":"12.5 million"},{"@type":"PropertyValue","name":"motorCarriers","value":"55,200 registered motor carriers"},{"@type":"PropertyValue","name":"premiumLocal","value":"$9,500–$13,200/year per truck"},{"@type":"PropertyValue","name":"premiumRegional","value":"$12,800–$17,500/year per truck"},{"@type":"PropertyValue","name":"premiumOTR","value":"$14,200–$19,800/year per truck"},{"@type":"PropertyValue","name":"topCarriers","value":"Progressive Commercial, Sentry Insurance, Great West Casualty, Country Financial, Canal Insurance"},{"@type":"PropertyValue","name":"majorCities","value":"Chicago, Skokie, Naperville, Aurora, Rockford, Springfield"},{"@type":"PropertyValue","name":"insuranceMinBodily","value":"$25,000/$50,000 (state min)"},{"@type":"PropertyValue","name":"insuranceMinProperty","value":"$20,000 (state min)"},{"@type":"PropertyValue","name":"uniqueLaw","value":"Illinois 625 ILCS 5/12-401: Requires commercial vehicles operating in Cook County (Chicago area) to maintain insurance equal to highest jurisdiction they enter. This effectively requires Illinois truckers serving Chicago to carry $1M+ liability."},{"@type":"PropertyValue","name":"uniqueLawRu","value":"Illinois 625 ILCS 5/12-401: Требует commercial vehicles в Cook County (Chicago) иметь insurance equal to highest jurisdiction. Это effectively требует Illinois тракеров служащих Chicago carry $1M+ liability."}]}},{"@type":"ListItem","position":7,"item":{"@type":"Place","@id":"https://safebridgeinsurance.com/en/states/ohio-truck-insurance","name":"Ohio","nameRu":"Огайо","identifier":"OH","address":{"@type":"PostalAddress","addressRegion":"OH","addressCountry":"US"},"url":"https://safebridgeinsurance.com/en/states/ohio-truck-insurance","sameAs":"https://safebridgeinsurance.com/ru/states/ohio-truck-insurance","description":"Commercial truck insurance in Ohio: $12,500–$17,800/year per truck average OTR premium. 5 top carriers including Progressive Commercial (Ohio HQ), Sentry Insurance, Canal Insurance.","additionalProperty":[{"@type":"PropertyValue","name":"capital","value":"Columbus"},{"@type":"PropertyValue","name":"population","value":"11.8 million"},{"@type":"PropertyValue","name":"motorCarriers","value":"44,800 registered motor carriers"},{"@type":"PropertyValue","name":"premiumLocal","value":"$8,200–$11,800/year per truck"},{"@type":"PropertyValue","name":"premiumRegional","value":"$11,200–$15,500/year per truck"},{"@type":"PropertyValue","name":"premiumOTR","value":"$12,500–$17,800/year per truck"},{"@type":"PropertyValue","name":"topCarriers","value":"Progressive Commercial (Ohio HQ), Sentry Insurance, Canal Insurance, Great West Casualty, Westfield Insurance"},{"@type":"PropertyValue","name":"majorCities","value":"Cleveland, Columbus, Cincinnati, Toledo, Akron, Dayton"},{"@type":"PropertyValue","name":"insuranceMinBodily","value":"$25,000/$50,000 (state min)"},{"@type":"PropertyValue","name":"insuranceMinProperty","value":"$25,000 (state min)"},{"@type":"PropertyValue","name":"uniqueLaw","value":"Ohio R.C. 4923: Ohio requires intrastate motor carriers to maintain specific insurance certificates filed with PUCO. Filing fee $50 per certificate. Common cause of authority delays for new entrants."},{"@type":"PropertyValue","name":"uniqueLawRu","value":"Ohio R.C. 4923: Ohio требует intrastate motor carriers иметь specific insurance certificates filed с PUCO. Filing fee $50 на certificate. Распространённая причина authority delays для new entrants."}]}},{"@type":"ListItem","position":8,"item":{"@type":"Place","@id":"https://safebridgeinsurance.com/en/states/california-truck-insurance","name":"California","nameRu":"Калифорния","identifier":"CA","address":{"@type":"PostalAddress","addressRegion":"CA","addressCountry":"US"},"url":"https://safebridgeinsurance.com/en/states/california-truck-insurance","sameAs":"https://safebridgeinsurance.com/ru/states/california-truck-insurance","description":"Commercial truck insurance in California: $17,500–$25,800/year per truck average OTR premium. 5 top carriers including Progressive Commercial, Sentry Insurance, Canal Insurance.","additionalProperty":[{"@type":"PropertyValue","name":"capital","value":"Sacramento"},{"@type":"PropertyValue","name":"population","value":"39.2 million"},{"@type":"PropertyValue","name":"motorCarriers","value":"92,400 registered motor carriers"},{"@type":"PropertyValue","name":"premiumLocal","value":"$12,500–$17,800/year per truck"},{"@type":"PropertyValue","name":"premiumRegional","value":"$15,800–$21,500/year per truck"},{"@type":"PropertyValue","name":"premiumOTR","value":"$17,500–$25,800/year per truck"},{"@type":"PropertyValue","name":"topCarriers","value":"Progressive Commercial, Sentry Insurance, Canal Insurance, Great West Casualty, Mercury Insurance"},{"@type":"PropertyValue","name":"majorCities","value":"Los Angeles, Long Beach, San Diego, San Francisco, Sacramento, Fresno, Glendale"},{"@type":"PropertyValue","name":"insuranceMinBodily","value":"$15,000/$30,000 (state min) but FMCSA $750K-$5M for interstate"},{"@type":"PropertyValue","name":"insuranceMinProperty","value":"$5,000 (state min)"},{"@type":"PropertyValue","name":"uniqueLaw","value":"California AB5 (2019, amended 2024): Codifies ABC test for independent contractor classification. Many truckers reclassified from 1099 to W-2 employees. Significant impact on owner-operator insurance (must convert from NTL to Workers Comp for drivers)."},{"@type":"PropertyValue","name":"uniqueLawRu","value":"California AB5 (2019, amended 2024): Кодифицирует ABC test для independent contractor классификации. Многие тракеры reclassified из 1099 в W-2 employees. Значительный impact на owner-operator insurance (must convert from NTL to Workers Comp)."}]}}]}