Commercial Truck Insurance South Carolina

Tailored coverage for South Carolina's trucking industry, protecting your fleet on the Palmetto State's highways and beyond.
Benefits Single Icon
Instant quote available
Benefits Single Icon

Custom-tailored policies for South Carolina specific risks

Benefits Single Icon
Emergency contact number
Benefits Single Icon
24/7 Claims
Why Us?

Why Choose TWFG Commercial in 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

Card Icon
Local Expertise
With over a decade serving South Carolina's trucking industry, our local experts understand the unique challenges faced by Palmetto State haulers. From navigating Charleston's port traffic to managing Upstate mountain routes, we provide insurance solutions tailored to South Carolina's diverse trucking landscape.
Card Icon
Industry Expertise
Our team includes certified transportation risk specialists who stay updated on the latest FMCSA regulations and South Carolina-specific trucking laws. We offer specialized coverage for everything from logging trucks in the Pee Dee region to intermodal operations at Inland Port Greer.
Card Icon
Beyond Basic Coverage

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.

Ideal For

Who needs Commercial Truck Insurance in South Carolina?

- 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.

South Carolina's diverse economy relies heavily on efficient trucking operations. From hauling raw materials to the BMW plant in Spartanburg to delivering fresh produce from Lowcountry farms, commercial trucks are the lifeblood of the state's commerce. The unique geography of South Carolina presents specific challenges for truckers. Coastal routes face hurricane risks, while Upstate highways encounter fog and ice in winter months. Additionally, the state's growing population has increased traffic congestion in urban areas like Columbia and Greenville, elevating accident risks. Proper commercial truck insurance isn't just about meeting SCDOT requirements—it's about protecting your business from the unexpected. Whether you're a small fleet owner in Myrtle Beach or a large logistics company in Rock Hill, comprehensive coverage is essential. Contact our South Carolina office today to ensure your trucking operation is fully protected.
Get a Quote
Audience Image

Get Personalised Advice from South Carolina Insurance Experts

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.

Commercial Truck Insurance Coverage Details

Comprehensive protection for South Carolina's trucking industry, addressing regional risks and regulatory requirements.

Card Icon
Comprehensive Coverage Explanation

Our commercial truck insurance policies for South Carolina operators include:
Primary Liability: Covers bodily injury and property damage
• Physical Damage: Protects your truck against collision, fire, and theft
Cargo Insurance: Safeguards goods in transit, crucial for SC's diverse freight
• Non-Trucking Liability: Coverage for personal use of commercial vehicles

Card Icon
Industry-specific risks in South Carolina

South Carolina truckers face unique challenges:
• Coastal Hurricane Risks: Coverage for storm damage and business interruption
• Agricultural Cargo: Specialized protection for perishable goods
• Port Operations: Tailored policies for drayage and intermodal transport
• Mountain Driving: Coverage for accidents on steep Upstate routes

Card Icon
Minimum coverage requirements for South Carolina

South Carolina requires:
• $750,000 minimum liability for interstate general freight
• $1,000,000 for hazardous materials transport
• Intrastate requirements vary by weight and cargo type
• All policies must comply with FMCSA regulations
Our team ensures your coverage meets or exceeds all state and federal requirements.

Card Icon
Additional Coverage Options

Enhance your protection with:
• Trailer Interchange Coverage: For non-owned trailer use
• Downtime Coverage: Compensates for loss of income during repairs
• Cyber Liability: Protects against data breaches in modern logistics
• Pollution Liability: Essential for chemical transport in SC's industrial corridor

Arrow Icon
Arrow Icon
Business image

Considerations for Local Businesses in South Carolina

South Carolina's trucking regulations are governed by the SCDOT and aligned with FMCSA guidelines. Recent changes include stricter electronic logging device (ELD) enforcement and updated weight limits on specific state routes. In 2022, South Carolina reported 2,743 commercial vehicle accidents, with 30% occurring in the I-85 corridor. The state's trucking industry contributes $37.3 billion annually to the economy, employing over 100,000 South Carolinians. Key challenges include a 15% driver shortage and increasing insurance premiums, up 12% since 2020. Weather-related risks are significant, with coastal areas facing hurricane threats and Upstate regions dealing with fog-related accidents, particularly in the I-26/I-85 interchange area.
Expertise

How much does Commercial Truck Insurance cost in South Carolina?

Commercial truck insurance in South Carolina averages $12,000 annually for a single truck. However, your specific cost depends on several factors:

Speak with an Agent
1
Driving Record
Clean MVRs can lower premiums by up to 20%. South Carolina's points system heavily impacts commercial driver insurance costs.
2
Type of Cargo
Hazardous materials transport in SC's chemical corridor can increase premiums by 30-50% compared to general freight.
3
Operating Radius
Long-haul operations crossing state lines face higher premiums than local delivery fleets in cities like Charleston or Columbia.
4
Vehicle Value and Type
Newer, more expensive trucks common in SC's growing logistics sector typically have higher physical damage premiums.
5
Claims History

A history of accidents, especially on high-risk routes like I-95, can significantly increase premiums for South Carolina truckers.

Support

Frequently Asked Questions

Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.

What types of coverage are included in commercial truck insurance in South Carolina?
+
-

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.

How do South Carolina's trucking regulations affect insurance requirements?
+
-

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.

What factors influence commercial truck insurance rates in South Carolina?
+
-

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.

Are there specific insurance requirements for log trucks in South Carolina?
+
-

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.

How does South Carolina's comparative negligence law affect truck insurance claims?
+
-

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.

What steps should I take to file a commercial truck insurance claim in South Carolina?
+
-

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.

Start Your Coverage Today

Join hundreds of South Carolina businesses who trust us with their Commercial Truck Insurance - it only takes minutes to begin.

Get Started

Request a Free Quote

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.



Join the hundreds of businesses who trust us with their most critical insurance needs.

Ready for the next step?
Call us at +1 (713) 388-6681 or fill the form.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.