There are a lot of factors that go into a truck insurance rate.  This includes, type of truck, garaging location, radius, age of driver, driving record,  value of the truck and dot history, to name a few.  The easiest way to find out how much insurance might cost is to contact an agent.  A qualified truck insurance agent should be able to give you a ball park price, even if you don't have a job lined up.

Truck insurance is under the umbrella of commercial auto.  Most states require a minimum auto liability limit of $750,000 to be considered legal.  Other coverages are available and may be required from your broker.  This could include, truckers general liability, physical damage coverage on a none-owned trailer or motor truck cargo coverage.

The main reason semi truck insurance can be expensive is due to the potential damage a typical semi truck can cause.  Think about it, an average car weights between 2,000 to 4,000 lbs, while a commercial vehicle like a semi truck can be in the 40,000 lb range.  If your still not convinced, try standing in front of a bull at full charge vs one of your kids.  Long story short, all states require trucking operators to carrier a minimum auto liability limit of $750,000 just in case the worst case scenario happens.