How Much Does Trucking Insurance Cost in Florida & New York (2026)

If you're an owner-operator or fleet manager in Florida or New York wondering what trucking insurance costs in 2026, here's the real answer: Florida runs $12,000–$25,000 per year for a standard tractor-trailer. New York averages $666 per month for $1M in liability alone. We break down rates by truck type, what drives your premium up or down, and what to do if you've been declined by standard carriers.