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Compare truck insurance agents in Smithfield. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Smithfield, RI
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 Rhode Island before hiring.
Showing 2 truck insurance agents in Smithfield, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Kerri A. Lawton: Allstate Insurance
151 Douglas Pike Ste 3, Smithfield, RI 02917
(401) 233-0800
agents.allstate.com
Duxbury & Ray Insurance
292 Waterman Ave, Smithfield, RI 02917
(401) 232-3600
duxburyrayinsurance.com
Truck insurance agents in Smithfield, Rhode Island help owner-operators and fleet owners find coverage that meets state and federal requirements. Rhode Island law requires commercial trucks to carry minimum liability insurance of 25,000 dollars per person and 50,000 dollars per accident for bodily injury. A local agent can explain how Rhode Island regulations affect your policy and help you comply with the state financial responsibility law.
What Does a Truck Insurance Agent in Smithfield Cost?
Typical annual premiums for a truck insurance policy in Rhode Island range from 3,000 to 8,000 dollars for a single truck with basic liability coverage. Full coverage with comprehensive and collision can cost 5,000 to 12,000 dollars per year. Factors like driving history, cargo type, and annual mileage affect 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 a truck in Smithfield Rhode Island?
Rhode Island requires commercial trucks to have at least 25,000 dollars in bodily injury liability per person and 50,000 dollars per accident. Property damage liability minimum is 25,000 dollars. Trucks carrying hazardous materials or operating interstate may need higher limits under federal law.
Do I need a specific type of insurance for a dump truck in Smithfield?
Yes, dump trucks often require commercial auto insurance with higher liability limits and physical damage coverage. Many agents in Smithfield recommend adding cargo insurance and non-trucking liability coverage if the truck is used for personal trips.
How does Rhode Island law affect truck insurance costs in Smithfield?
Rhode Island is a fault state, meaning the at-fault driver pays for damages. This can increase premiums compared to no-fault states. Local factors like Smithfield traffic patterns and accident rates also influence your rate.
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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 Rhode Island.