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Compare truck insurance agents in Spencer. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Spencer, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 4 truck insurance agents in Spencer, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
David F. Kelley Insurance Agency, Inc.
154 Main St, Spencer, MA 01562
(508) 885-3794
davidkelleyins.com
HUB International
369 Main St #9, Spencer, MA 01562
(508) 885-9999
hubinternational.com
McGrath Insurance, a Division of Starkweather and Shepley Insurance
130 W Main St, Spencer, MA 01562
(508) 885-6545
starshep.com
Gregson Insurance Agency Inc
369 Main St, Spencer, MA 01562
(508) 248-3800
Truck insurance agents in Spencer, Massachusetts help owner-operators and fleets find coverage that meets state requirements. Massachusetts law mandates minimum liability limits of $750,000 for commercial trucks. A local agent can also advise on cargo insurance and physical damage coverage for routes through Central Massachusetts.
What Does a Truck Insurance Agent in Spencer Cost?
Annual premiums for truck insurance in Massachusetts typically range from $8,000 to $15,000 for a single truck with basic liability and physical damage coverage. Factors like driving history, cargo type, and annual mileage influence the final price. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the minimum insurance requirements for trucks in Massachusetts?
Massachusetts requires commercial trucks to carry at least $750,000 in liability coverage. Higher limits may be needed for hazardous materials or interstate operations. An agent can help you meet these legal minimums.
Do I need cargo insurance for my truck in Spencer?
Cargo insurance is not required by Massachusetts state law but is often required by shippers or brokers. It protects the value of goods you are hauling. An agent can help you choose the right cargo limit based on your typical loads.
How does Massachusetts compare to other states for truck insurance costs?
Massachusetts has higher minimum liability requirements than many states, which can increase premiums. Local factors like traffic density in Worcester County and winter weather also affect rates. An agent familiar with Spencer can provide accurate quotes.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.