The top-rated truck insurance agent in Troy, Michigan is JPS Insurance Agency, rated 4.9 stars across 281 reviews. Other highly rated options include AAA Insurance - Howard Beatty IV Insurance Agency, AAA Insurance - Daniel's Agency, Troy-Metro Agency. This directory lists 20 truck insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | JPS Insurance Agency | 1111 W Long Lake Rd Suite 201 | (248) 646-6657 |
| 2 | AAA Insurance - Howard Beatty IV Insurance Agency | 2950 W Square Lake Rd Suite# 100 | (248) 792-7012 |
| 3 | AAA Insurance - Daniel's Agency | 42831 Dequindre Rd | (248) 800-9999 |
| 4 | Troy-Metro Agency | 2065 Livernois Rd | (248) 813-8540 |
| 5 | Andrew Leggat - State Farm Insurance Agent | 2265 Livernois Rd Ste 300 | (248) 244-0618 |
| 6 | Hershey Insurance Group | 2855 Coolidge Hwy #204 | (888) 843-7743 |
| 7 | Mason-McBride Insurance | 3155 W Big Beaver Rd Suite 125 | (248) 822-7170 |
| 8 | Lifeguard Insurance Services | 1775 W Big Beaver Rd | (248) 970-0030 |
| 9 | Insurance Man Vince | 1050 Wilshire Dr Ste 280 | (248) 515-3616 |
| 10 | Haugk Insurance Agency | 850 Stephenson Hwy #207 | (248) 577-8137 |
JPS Insurance Agency serves trucking businesses throughout the Troy metropolitan area. As a local truck insurance agent, it helps commercial drivers secure coverage for their vehicles and operations. The agency focuses on matching policies to the specific risks of hauling goods across Michigan. It assists with liability protection and physical damage coverage for trucks operating on regional highways. JPS Insurance Agency also handles cargo insurance and roadside assistance packages for local fleet owners.
AAA Insurance - Howard Beatty IV Insurance Agency provides a full range of truck insurance policies tailored to local commercial fleets and independent owner-operators in Troy and the surrounding area. Its service plans include regular policy reviews to ensure coverage matches current operational risks and changing cargo or route requirements. Optional maintenance plans help owners manage compliance paperwork and renewal deadlines. The company also assists with claims reporting and deductible selections. It services properties such as single-family homes, apartments, retail locations, and restaurants.
Businesses and independent truckers in Troy, MI turn to AAA Insurance’s Daniel’s Agency for their truck insurance needs. The agency works with local fleets and owner-operators to secure commercial auto policies that address liability, cargo, and physical damage exposures common in the Southeast Michigan freight corridors. Regular assistance includes policy reviews and claim filing support for regional hauls. The agency also provides truck insurance services for clients operating routes through neighboring Rochester Hills and the broader Oakland County metro area.
Troy-Metro Agency provides truck insurance services to the city of Troy, Michigan, and surrounding communities in Oakland County. The agency handles coverage for commercial trucks, including liability, cargo, and physical damage protection. It focuses on matching local business owners with policies that meet regulatory requirements and operational needs. To handle a typical job, it reviews each client’s fleet size and routes to recommend appropriate policy limits in a straightforward consultation.
Andrew Leggat, a local truck insurance agent in Troy, MI, offers both one-time policy options for owner-operators and recurring scheduled plans for commercial fleets. His coverage addresses liability, cargo, and physical damage specific to regional trucking. Services are delivered on a structured schedule, with policies requiring renewal every six months or annually, and as-needed consultations available for updated coverage reviews or accident claims.
Hershey Insurance Group in Troy, MI, offers truck insurance policies tailored for long-haul, local, and regional freight operations. It provides coverage for commercial vehicles, cargo, and liability risks common to the industry. The agency works with drivers and fleet owners to secure appropriate protection for their equipment and business assets. Through the harsh Michigan winter months, it helps clients address claims related to icy roads, collision damage, or cargo loss during hazardous seasonal weather.
As winter weather hits the trucking routes around Troy, Michigan, fleets face greater risks from icy roads and unpredictable conditions. Mason-McBride Insurance addresses these seasonal exposures with commercial truck insurance policies tailored for local operators. The agency works to match coverage limits with cargo types and typical mileage patterns across the region. Drivers and businesses rely on this agent as a direct resource for liability and physical damage protection. An initial assessment begins with a review of the fleet’s current safety protocols and existing coverage gaps.
Lifeguard Insurance Services works with commercial clients to secure coverage for their fleets and vehicles. The agency adds specialty endorsements to policies, such as cargo liability for transported goods and comprehensive physical damage protection. Located in Troy, Michigan, it addresses the specific risk exposures faced by regional haulers and long-distance truckers. The insurance agency regularly handles filings for tow trucks, box trucks, and owner-operators. Its coverage options support the needs of local offices, warehouse distribution centers, and food service logistics operations.
Insurance Man Vince provides truck insurance agent services to residential clients in Troy, Michigan, helping local vehicle owners secure coverage for personal pickup trucks and recreational haulers. The agency also handles commercial policies for businesses operating delivery fleets and heavy-duty transport vehicles throughout the greater Troy area. Working with multiple standard carriers, the office assists clients in comparing policy options during enrollment periods. After the initial placement of a policy, the agent contacts customers for periodic coverage reviews, ensuring their plans remain adjusted between scheduled renewal visits.
What Does a a Truck Insurance Agent in Troy Cost?
Truck insurance premiums in Michigan vary widely based on vehicle type driving record cargo value and annual mileage. A typical policy for a single semi truck can range from 8000 to 15000 dollars per year for basic liability and physical damage. Fleet policies may cost 3000 to 6000 dollars per truck annually. This is general information and not insurance advice.
About truck insurance agents in Troy
Truck insurance agents in Troy Michigan help owner operators and fleet managers comply with Michigan no fault insurance laws. Michigan requires commercial trucks to carry minimum liability limits of 300000 dollars for bodily injury and 50000 dollars for property damage. Local agents can also advise on cargo insurance and physical damage coverage for trucks operating in Oakland County.
Frequently Asked Questions
What is the minimum liability coverage for a truck in Michigan?
Michigan law requires commercial trucks to have at least 300000 dollars in bodily injury liability per accident and 50000 dollars in property damage liability. Higher limits are often needed for interstate hauling or contracts with shippers.
Do I need no fault insurance for my truck in Michigan?
Yes Michigan is a no fault state for auto insurance including commercial trucks. You must carry personal injury protection PIP coverage for medical expenses and lost wages regardless of who causes an accident.
Can a truck insurance agent in Troy help with cargo insurance?
Yes many Troy agents offer cargo insurance to cover goods being transported. This is separate from liability coverage and is often required by brokers or shippers.
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