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HomeTruck Insurance AgentsCalifornia › Rancho Santa Margarita

Find Truck Insurance Agents Near You in Rancho Santa Margarita, CA

Browse truck insurance agents serving Rancho Santa Margarita, California. Updated 2026-07-14.

The top-rated truck insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 13 truck insurance agents serving Rancho Santa Margarita.

Showing 13 truck insurance agents in Rancho Santa Margarita, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lori Garabedian - State Farm Insurance Agent30052 Aventura # C(949) 858-4400
2David C. Duncan Insurance Services, Inc.30376 Esperanza Suite 200(949) 836-8116
3Farmers Insurance - Jerry Farcone30201 Aventura Ste 201(949) 709-7860
4Rick Sicro - State Farm Insurance Agent22362 Gilberto Ste 240(949) 240-9300
5Mashco Insurance Solutions Inc31 La Cascada(949) 838-4233
6Adam Bays - State Farm Insurance Agent22521 Avenida Empresa Ste 105(949) 305-8432
7George Menclewicz: Allstate Insurance22342 Avenida Empresa Ste 130(949) 459-2795
8Julie's Insurance Services30211 Avenida de las Banderas # 200(949) 979-6771
9Shorr Agency Inc30211 Avenida de las Banderas(888) 737-6200
10Farmers Insurance - Renee Connell30211 Avenida de las Banderas # 200(949) 888-6610
LG
30052 Aventura # C
Lori Garabedian - State Farm Insurance Agent
Truck Insurance Agent · Rancho Santa Margarita, CA

Lori Garabedian - State Farm Insurance Agent serves Rancho Santa Margarita and the surrounding Orange County area, providing truck insurance policies designed to meet the needs of local commercial drivers. The agency offers coverage plans that help protect vehicles, cargo, and liability risks common to the trucking industry. Clients can rely on guidance when selecting appropriate policy limits for their business operations. The team handles commercial auto liability insurance and cargo coverage for local trucking routes.

DC
30376 Esperanza Suite 200
David C. Duncan Insurance Services, Inc.
Truck Insurance Agent · Rancho Santa Margarita, CA

David C. Duncan Insurance Services, Inc. provides truck insurance agent services for commercial vehicle operators in Rancho Santa Margarita, CA. The agency helps trucking businesses secure necessary coverage for their fleets and individual vehicles. Maintenance and service plans are not applicable to insurance agency operations; instead, they focus on policy renewals and claims support. This agency assists clients insuring various properties, including single-family homes, apartments, retail spaces, and restaurants.

FI
30201 Aventura Ste 201
Farmers Insurance - Jerry Farcone
Truck Insurance Agent · Rancho Santa Margarita, CA

Serving local business owners, Farmers Insurance - Jerry Farcone in Rancho Santa Margarita, CA, offers liability and cargo coverage for trucking operations. As a truck insurance agent, they assist with policies that protect commercial vehicles on regional roads and mitigate the financial risks of freight transport. Close relationships with underwriters help tailor coverage to individual fleet sizes and driving history. This agency also serves clients throughout Mission Viejo and the surrounding South Orange County area.

RS
22362 Gilberto Ste 240
Rick Sicro - State Farm Insurance Agent
Truck Insurance Agent · Rancho Santa Margarita, CA

Serving Rancho Santa Margarita and the surrounding communities of south Orange County, this agency provides truck insurance coverage for both local and over-the-road operators. Each policy is tailored to address the specific risks of commercial hauling, including cargo liability and physical damage. The agent works directly with drivers to balance adequate protection with manageable premiums. For a typical job, the agency reviews the client’s routes and fleet size before matching coverage to state requirements.

MI
31 La Cascada
Mashco Insurance Solutions Inc
Truck Insurance Agent · Rancho Santa Margarita, CA

Located in Rancho Santa Margarita, CA, Mashco Insurance Solutions Inc provides truck insurance agent services. A trucking business must choose between one-time policies for single hauls or recurring plans for ongoing fleet operations, with coverage typically including liability and cargo protection. Specific policies are generally customized for local routes and longer interstate journeys. Service for developing these coverages runs on a one-time, scheduled, or as-needed basis according to each client’s changing operational requirements.

AB
22521 Avenida Empresa Ste 105
Adam Bays - State Farm Insurance Agent
Truck Insurance Agent · Rancho Santa Margarita, CA

When local trucking operators in Rancho Santa Margarita face rising insurance premiums during peak shipping seasons, Adam Bays provides tailored coverage for commercial fleets. As a State Farm Insurance Agent, this professional handles liability protection and cargo insurance for short-haul and long-haul trucks. The agent assesses local traffic patterns and compliance requirements unique to California highways. A thorough initial inspection of the vehicle’s safety equipment and driver records begins every new quote so accurate risk factors can be determined.

GM
22342 Avenida Empresa Ste 130
George Menclewicz: Allstate Insurance
Truck Insurance Agent · Rancho Santa Margarita, CA

George Menclewicz: Allstate Insurance provides specialized truck insurance policies in Rancho Santa Margarita, California, covering commercial vehicles and fleets. The agency also offers standard personal auto, home, and business liability insurance. For local truckers, it delivers coverage tailored to cargo protection and roadside risks. As the rainy season arrives, the agency assists drivers in securing comprehensive policies that address hydroplaning damage and increased accident exposure on slick Southern California highways.

JS
30211 Avenida de las Banderas # 200
Julie's Insurance Services
Truck Insurance Agent · Rancho Santa Margarita, CA

Julie's Insurance Services provides coverage for personal trucks typically kept at residences in the Rancho Santa Margarita area. The agency also offers commercial truck insurance policies to cover vehicles used for business operations throughout the surrounding communities. Agents help clients with policy selection, claims filing, and coverage adjustments as needs change. Between regular policy reviews, clients often return for updated documentation related to vehicle additions or changes in cargo type and delivery routes.

SA
30211 Avenida de las Banderas
Shorr Agency Inc
Truck Insurance Agent · Rancho Santa Margarita, CA

Shorr Agency Inc in Rancho Santa Margarita, CA, is known for providing tailored commercial truck insurance policies to local owner-operators and small fleet operators. The company covers a wide service range from basic liability and physical damage to cargo and non-trucking liability coverage. They manage the complex underwriting requirements specific to California’s transportation industry. A specialty service the agency can add on is occupational accident coverage for independent contractors.

FI
30211 Avenida de las Banderas # 200
Farmers Insurance - Renee Connell
Truck Insurance Agent · Rancho Santa Margarita, CA
PI
23142 Arroyo Vista
Proserv Insurance
Truck Insurance Agent · Rancho Santa Margarita, CA
(626) 446-1000
proservinsurance.com/contact-us.html
FI
30162 Tomas Ste 205
Farmers Insurance - Cameron Watson
Truck Insurance Agent · Rancho Santa Margarita, CA
(800) 922-6526
agents.farmers.com/ca/rancho-santa-margarita/cameron-watson
RI
22342 Avenida Empresa Ste 130
RSM INSURANCE & FINANCIAL SERVICES
Truck Insurance Agent · Rancho Santa Margarita, CA
(877) 459-2795

What Does a a Truck Insurance Agent in Rancho Santa Margarita Cost?

Typical annual premiums for a single truck in California range from 8,000 to 15,000 dollars for basic liability coverage. Full coverage policies with cargo and physical damage can cost 15,000 to 30,000 dollars or more. Costs vary based on driving history, cargo type, and annual mileage. This is general information and not insurance advice.

About truck insurance agents in Rancho Santa Margarita

Truck insurance agents in Rancho Santa Margarita help owner-operators and fleet managers find the right coverage for their vehicles. California requires all commercial trucks to carry liability insurance with minimum limits set by the California Public Utilities Commission. A local agent can explain how these state requirements apply to your specific trucking operation.

Frequently Asked Questions

What are the minimum insurance requirements for a truck in California?

California requires commercial trucks to have at least 750,000 dollars in liability coverage for intrastate operations. Interstate trucks must follow federal minimums set by the FMCSA which can be 750,000 dollars or more depending on cargo type.

Do I need a special license to sell truck insurance in California?

Yes, agents must hold a valid California insurance license and often need additional certifications to sell commercial auto policies. They must also follow California Department of Insurance regulations for rate filings and policy disclosures.

How does California law affect truck insurance rates in Rancho Santa Margarita?

Rates are influenced by California Proposition 103 which requires insurers to get approval for rate changes. Local factors like traffic patterns on the 5 freeway and proximity to ports also affect premiums.

Truck Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each truck insurance agent's credentials and current standing with your state Department of Insurance.