How much does truck insurance cost per year? The latest cost analysis in 2024
Truck insurance costs have become a hot topic in the trucking industry lately. As oil prices rise and traffic regulations adjust, many car owners begin to pay attention to changes in insurance costs. This article will provide you with a detailed analysis of the annual cost of truck insurance based on hot data and industry trends across the Internet in the past 10 days.
1. Key factors affecting truck insurance costs
According to the latest market research, truck insurance costs are mainly affected by the following factors:
| Influencing factors | Description | Cost floating range |
|---|---|---|
| vehicle type | The larger the load, the higher the insurance premium. | +15%~+50% |
| Nature of use | Commercial vehicles are more expensive than non-commercial vehicles | +30%~+80% |
| Insurance area | First-tier cities have higher premiums | +10%~+25% |
| History in danger | Discounts available without claims | -10%~-30% |
2. Reference for mainstream truck insurance costs in 2024
By analyzing the latest quotes from major insurance companies, we have compiled the following reference data:
| car model | Compulsory traffic insurance | Commercial insurance | Total (year) |
|---|---|---|---|
| Trucks under 2 tons | 1200-1850 yuan | 3500-6000 yuan | 4700-7850 yuan |
| 2-5 tons truck | 1850-2400 yuan | 6000-12000 yuan | 7850-14400 yuan |
| 5-10 tons truck | 2400-3200 yuan | 12,000-20,000 yuan | 14,400-23,200 yuan |
| Trucks over 10 tons | 3200-4500 yuan | 20,000-35,000 yuan | 23,200-39,500 yuan |
3. The impact of recent industry hot spots on premiums
1.New energy truck insurance premiums rise: According to the latest statistics, new energy truck insurance premiums have increased by 12%-18% year-on-year, mainly due to increased maintenance costs.
2.Pilot mileage insurance in some areas: Shandong, Guangdong and other places have begun to trial the mileage-based billing model, which can save about 15% of insurance premiums for annual driving of less than 50,000 kilometers.
3.Smart device discounts: Vehicles equipped with ADAS and other safety equipment can enjoy up to 20% premium discount, which has become a hot topic among car owners recently.
4. Practical Suggestions for Saving Insurance Costs
1.Compare prices for insurance: The price difference between different insurance companies can reach 30%. It is recommended to obtain quotes from 3-5 companies through formal platforms.
2.Portfolio insurance: The combination of compulsory traffic insurance + car damage insurance + three party insurance (1 million) + driver liability insurance is the most cost-effective.
3.Follow promotions: March-April is the traditional promotion season in the insurance industry, and some companies launch "instant discounts on renewal" activities.
4.safe driving: Keep a claim-free record for 3 years and enjoy up to 40% off.
5. Special tips
Recently, there have been cases of "low-price insurance" fraud in many places, and car owners are reminded to pay attention to:
- Confirm whether the insurance company has a formal license
- Electronic policies need to be verified through official channels
- Reject abnormal offers with "cashback exceeding 30%"
From the above analysis, it can be seen that the annual premium for truck insurance ranges from 4,700 yuan to 40,000 yuan. The specific cost needs to be determined according to the vehicle condition and insurance plan. It is recommended that car owners choose the most suitable insurance plan based on actual needs.
check the details
check the details
en
