How Much Does Food Truck Insurance Cost?
A complete food truck package runs $3,000–$6,000/year. Here's exactly what each coverage costs and where you can save — updated August 2026.
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Food trucks are one of the fastest-growing segments in the restaurant industry — lower startup costs, mobile customer reach, and creative freedom. But insurance is one area where food trucks are actually more complex than brick-and-mortar restaurants because you're combining food service risks with commercial vehicle risks.
Total Cost Overview
A comprehensive food truck insurance package typically costs $3,000–$6,000 per year ($250–$500/month). Your actual cost depends on your location, revenue, number of employees, driving record, and the specific coverages you need.
| Coverage Type | Monthly Cost |
|---|---|
| General Liability | $30–$60/mo |
| Commercial Auto | $100–$250/mo |
| Commercial Property / Inland Marine | $25–$50/mo |
| Workers Compensation | $40–$200/mo |
Cost Breakdown by Coverage Type
General Liability: $30–$60/month
General liability is your foundation coverage. It protects your food truck when a customer or third party is injured or their property is damaged. Most events, festivals, and commissary kitchens require $1M per occurrence minimum.
- Customer slips near your truck and breaks a wrist
- Food poisoning claim from a customer
- Your canopy blows over and damages another vendor's setup
Commercial Auto: $100–$250/month
This is typically the largest single cost. Your truck is both your vehicle and your kitchen — commercial auto covers driving liability, collision damage, comprehensive (theft, fire, weather), and uninsured motorist protection.
Cost factors: Truck value, driving record, annual miles, and operating location all significantly affect your premium. A newer $100,000+ custom build costs more to insure than a $30,000 used truck.
Commercial Property / Inland Marine: $25–$50/month
Covers your business equipment inside the truck — everything that isn't the vehicle itself: cooking equipment, refrigeration units, generators, POS systems, and serving supplies. Insure at replacement cost, not actual cash value.
Workers Compensation: Varies by State
If you have employees — even part-time — most states require workers compensation. Premiums are calculated per $100 of payroll. Typical range: $500–$2,500/year for 1–3 employees, depending on state and payroll.
Factors That Affect Your Cost
How to Save on Food Truck Insurance
- Bundle coverages — buying GL, property, and auto from the same carrier saves 10–15%
- Clean driving record — commercial auto is your biggest cost; protect it
- Install safety features — GPS tracking, security cameras, and dashcams earn discounts
- Get food safety certified — ServSafe demonstrates lower risk to underwriters
- Choose appropriate deductibles — a higher deductible ($1,000–$2,500) lowers your premium
- Shop through an independent agent — compares multiple carriers to find your best rate
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By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.