Commercial Truck Insurance South Carolina

South Carolina truckers deserve an insurance partner who understands local regulations and unique road challenges.
• Deep knowledge of South Carolina DOT regulations and compliance requirements
• Expertise in coverage for regional cargo types, including agriculture and manufacturing
• Customized policies addressing Lowcountry to Upstate road conditions and weather risks
We go beyond basic liability with comprehensive risk management services. Our team provides regular safety audits, driver training programs, and cargo security assessments. We also offer specialized endorsements for hazardous materials transport common in South Carolina's chemical and manufacturing sectors.
- Long-haul Trucking Companies: Interstate carriers need comprehensive coverage for trips beyond South Carolina's borders, including liability, cargo, and bobtail insurance.
- Local Delivery Fleets: Companies serving South Carolina's urban centers require specialized coverage for frequent stops and city driving risks.
- Specialized Haulers: Businesses transporting timber from the Francis Marion National Forest or chemicals to Charleston's port need tailored policies for unique cargo risks.
- Owner-Operators: Independent truckers based in South Carolina require personalized policies that protect both their truck and their livelihood.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for South Carolina's trucking industry, addressing regional risks and regulatory requirements.

Commercial truck insurance in South Carolina averages $12,000 annually for a single truck. However, your specific cost depends on several factors:
A history of accidents, especially on high-risk routes like I-95, can significantly increase premiums for South Carolina truckers.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Commercial truck insurance in South Carolina typically includes liability coverage, physical damage protection, cargo insurance, and non-trucking liability. South Carolina law requires a minimum of $750,000 in liability coverage for interstate truckers. Additional coverages like bobtail insurance and trailer interchange coverage are also available. Many SC truckers opt for higher limits due to the state's busy ports and major interstate highways.
South Carolina follows federal FMCSA regulations for interstate trucking. For intrastate operations, the SC Department of Motor Vehicles requires minimum liability coverage of $750,000 for general freight and $5 million for hazardous materials. The state's Public Service Commission also mandates specific insurance filings. South Carolina's position as a major logistics hub, with ports in Charleston and inland ports, often necessitates higher coverage limits.
Insurance rates in South Carolina are influenced by factors such as driving record, type of cargo, truck make and model, and routes traveled. The state's diverse geography, from coastal areas to the Upstate, can affect rates. For instance, truckers operating in hurricane-prone coastal regions may face higher premiums. Additionally, South Carolina's status as a major logistics corridor, with heavy traffic on I-95 and I-26, can impact rates due to increased accident risks.
Yes, log trucks in South Carolina have specific insurance requirements. The state's forestry industry is significant, particularly in the Pee Dee and Lowcountry regions. Log truck operators typically need higher liability limits due to the nature of their cargo. The South Carolina Forestry Commission recommends a minimum of $1 million in liability coverage. Additionally, many logging companies require their contractors to carry workers' compensation insurance, even for owner-operators.
South Carolina follows a modified comparative negligence rule, which can significantly impact truck insurance claims. If a trucker is found to be more than 50% at fault in an accident, they cannot recover damages. This law makes thorough insurance coverage crucial for SC truckers. It's particularly relevant on busy trucking routes like I-85 in the Upstate or near major distribution centers in the Midlands, where complex multi-vehicle accidents are more likely to occur.
To file a claim in South Carolina, immediately notify your insurer and provide detailed documentation of the incident. This includes police reports, photos, and witness statements. South Carolina law requires accidents resulting in injury, death, or property damage over $1,000 to be reported to the DMV within 15 days. For accidents on major trucking routes like I-20 or I-77, consider hiring a local attorney familiar with SC trucking laws. Keep all records of cargo damage, especially for time-sensitive shipments through ports like Charleston.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
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