Food truck insurance averages $113 monthly, with costs ranging from $40 to $244 based on coverage needs and location factors.
Get matched with cheap food truck business insurance below.
Updated: October 27, 2025
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Food truck business insurance costs range from $475 to $2,931 annually on average, depending on coverage type, state and sub-industry.
Your food truck insurance premiums depend on location, claims history, services provided and employee count.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable food truck business insurance costs.
We found average business insurance costs for Food Truck companies for commonly needed coverage are as follows:
| BOP | $207 | $2,485 |
| General Liability | $141 | $1,693 |
| Professional Liability (E&O) | $59 | $708 |
| Workers' Comp | $46 | $548 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your food truck business insurance cost for general liability insurance varies by location. Alaska offers the best value at $104 monthly compared to the $141 national average, while New York costs $166 monthly.
| Alabama | $140 | $1,681 |
| Alaska | $104 | $1,244 |
| Arizona | $136 | $1,627 |
| Arkansas | $137 | $1,639 |
| California | $159 | $1,904 |
| Colorado | $141 | $1,695 |
| Connecticut | $155 | $1,857 |
| Delaware | $154 | $1,842 |
| Florida | $154 | $1,850 |
| Georgia | $145 | $1,736 |
| Hawaii | $122 | $1,459 |
| Idaho | $135 | $1,620 |
| Illinois | $156 | $1,876 |
| Indiana | $139 | $1,667 |
| Iowa | $136 | $1,627 |
| Kansas | $138 | $1,660 |
| Kentucky | $133 | $1,594 |
| Louisiana | $137 | $1,640 |
| Maine | $124 | $1,482 |
| Maryland | $136 | $1,631 |
| Massachusetts | $149 | $1,793 |
| Michigan | $135 | $1,619 |
| Minnesota | $134 | $1,603 |
| Mississippi | $143 | $1,717 |
| Missouri | $141 | $1,695 |
| Montana | $142 | $1,701 |
| Nebraska | $135 | $1,617 |
| Nevada | $162 | $1,947 |
| New Hampshire | $142 | $1,700 |
| New Jersey | $161 | $1,937 |
| New Mexico | $143 | $1,719 |
| New York | $166 | $1,991 |
| North Carolina | $124 | $1,482 |
| North Dakota | $124 | $1,486 |
| Ohio | $132 | $1,586 |
| Oklahoma | $118 | $1,419 |
| Oregon | $132 | $1,587 |
| Pennsylvania | $164 | $1,973 |
| Rhode Island | $157 | $1,878 |
| South Carolina | $147 | $1,761 |
| South Dakota | $133 | $1,598 |
| Tennessee | $139 | $1,667 |
| Texas | $144 | $1,724 |
| Utah | $136 | $1,634 |
| Vermont | $137 | $1,641 |
| Virginia | $130 | $1,556 |
| Washington | $162 | $1,944 |
| West Virginia | $149 | $1,793 |
| Wisconsin | $140 | $1,677 |
| Wyoming | $132 | $1,580 |
Note: We based these general liability rates on food truck businesses with two employees across different states. Your rates will vary based on your location, claims history and the services you provide.
Workers' compensation insurance for food truck businesses costs between $40 and $53 monthly, depending on your state. North Carolina offers the most affordable rates at $40 monthly, while New York costs $53 monthly. State regulations and claim histories determine these rates.
| Alabama | $45 |
| Alaska | $41 |
| Arizona | $43 |
| Arkansas | $44 |
| California | $51 |
| Colorado | $45 |
| Connecticut | $49 |
| Delaware | $49 |
| Florida | $49 |
| Georgia | $46 |
| Hawaii | $48 |
| Idaho | $44 |
| Illinois | $50 |
| Indiana | $45 |
| Iowa | $44 |
| Kansas | $44 |
| Kentucky | $42 |
| Louisiana | $52 |
| Maine | $40 |
| Maryland | $43 |
| Massachusetts | $48 |
| Michigan | $43 |
| Minnesota | $43 |
| Mississippi | $46 |
| Missouri | $45 |
| Montana | $46 |
| Nebraska | $43 |
| Nevada | $52 |
| New Hampshire | $45 |
| New Jersey | $52 |
| New Mexico | $46 |
| New York | $53 |
| North Carolina | $40 |
| Oklahoma | $43 |
| Oregon | $42 |
| Pennsylvania | $52 |
| Rhode Island | $51 |
| South Carolina | $47 |
| South Dakota | $42 |
| Tennessee | $45 |
| Texas | $46 |
| Utah | $44 |
| Vermont | $44 |
| Virginia | $41 |
| West Virginia | $48 |
| Wisconsin | $44 |
Note: We based these workers' comp rates on food truck businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost will vary by state. This coverage averages $59 monthly nationwide. Maine offers the most affordable rates at $51 monthly, while New York commands the highest premiums at $69 monthly.
| Alabama | $58 |
| Alaska | $53 |
| Arizona | $55 |
| Arkansas | $57 |
| California | $66 |
| Colorado | $58 |
| Connecticut | $65 |
| Delaware | $65 |
| Florida | $64 |
| Georgia | $59 |
| Hawaii | $61 |
| Idaho | $56 |
| Illinois | $66 |
| Indiana | $58 |
| Iowa | $55 |
| Kansas | $57 |
| Kentucky | $56 |
| Louisiana | $67 |
| Maine | $51 |
| Maryland | $56 |
| Massachusetts | $61 |
| Michigan | $56 |
| Minnesota | $55 |
| Mississippi | $59 |
| Missouri | $58 |
| Montana | $58 |
| Nebraska | $55 |
| Nevada | $67 |
| New Hampshire | $59 |
| New Jersey | $67 |
| New Mexico | $61 |
| New York | $69 |
| North Carolina | $52 |
| North Dakota | $52 |
| Ohio | $55 |
| Oklahoma | $55 |
| Oregon | $55 |
| Pennsylvania | $68 |
| Rhode Island | $64 |
| South Carolina | $60 |
| South Dakota | $55 |
| Tennessee | $57 |
| Texas | $61 |
| Utah | $55 |
| Vermont | $57 |
| Virginia | $54 |
| Washington | $67 |
| West Virginia | $61 |
| Wisconsin | $58 |
| Wyoming | $56 |
Note: We based these professional liability rates on food truck businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Food truck business insurance costs vary based on your state's business owner's policy (BOP) requirements. BOP insurance cost ranges from $150 monthly in Alaska to $244 in New York for the same coverage.
Location drives these price differences more than any other factor. Alaska food truck owners pay the lowest premiums at $150 per month, while New York operators have the highest costs at $244 monthly. This $94 monthly difference adds up to over $1,100 annually between the cheapest and most expensive states.
Other high-cost states include Washington at $238 monthly and Pennsylvania at $241. Food truck owners in Oklahoma enjoy some of the most affordable rates at $173 monthly, followed by Hawaii at $179.
| Alabama | $208 |
| Alaska | $150 |
| Arizona | $194 |
| Arkansas | $196 |
| California | $228 |
| Colorado | $207 |
| Connecticut | $220 |
| Delaware | $224 |
| Florida | $227 |
| Georgia | $212 |
| Hawaii | $179 |
| Idaho | $201 |
| Illinois | $233 |
| Indiana | $203 |
| Iowa | $196 |
| Kansas | $204 |
| Kentucky | $198 |
| Louisiana | $200 |
| Maine | $180 |
| Maryland | $199 |
| Massachusetts | $220 |
| Michigan | $199 |
| Minnesota | $197 |
| Mississippi | $210 |
| Missouri | $209 |
| Montana | $211 |
| Nebraska | $202 |
| Nevada | $237 |
| New Hampshire | $210 |
| New Jersey | $235 |
| New Mexico | $213 |
| New York | $244 |
| North Carolina | $185 |
| North Dakota | $181 |
| Ohio | $192 |
| Oklahoma | $173 |
| Oregon | $190 |
| Pennsylvania | $241 |
| Rhode Island | $232 |
| South Carolina | $213 |
| South Dakota | $197 |
| Tennessee | $203 |
| Texas | $214 |
| Utah | $197 |
| Vermont | $199 |
| Virginia | $191 |
| Washington | $238 |
| West Virginia | $218 |
| Wisconsin | $208 |
| Wyoming | $196 |
Note: We based these BOP rates on food truck businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Food truck business insurance costs range from $71 to $220 monthly depending on the provider. Insurers price differently based on their target markets and where they see the best profit potential.
| Chubb | $143 | $1,713 |
| Coverdash | $120 | $1,437 |
| Hiscox | $126 | $1,516 |
| NEXT Insurance | $71 | $854 |
| Nationwide | $220 | $2,634 |
| Progressive Commercial | $117 | $1,405 |
| Simply Business | $74 | $888 |
| The Hartford | $92 | $1,109 |
| Thimble | $78 | $934 |
| biBERK | $115 | $1,382 |
Food truck insurance costs vary based on multiple factors insurers consider when determining your premium rates.
Operating zones and parking locations shape what you'll spend on coverage. Trucks that rotate between high-traffic downtown festivals and private events see different rates than those serving industrial parks or suburban office complexes.
Previous incidents stick with you when insurers price your policy. Whether it's a grease fire, customer injury, or fender bender at a festival, past claims keep premiums elevated for several years.
What you cook determines your risk profile and insurance costs. Trucks serving raw oysters or preparing complex dishes with allergens pay steeper rates than those selling prepackaged items or simple grab-and-go fare.
Staff size matters when calculating workers' comp and liability premiums. Running solo keeps costs down, while hiring cooks, cashiers and event helpers pushes your payroll up along with insurance expenses.
Catering weddings and corporate events adds complexity beyond street vending. Trucks doing private bookings or multi-day festivals need extra coverage compared to those sticking to lunch-hour sidewalk service.
Total sales volume influences how much insurers charge you. A weekend-only operation grossing $60,000 annually pays far less than a full-time truck bringing in $300,000 through daily service and events.
Policy limits set the ceiling on what insurance will cover when disaster strikes. Bumping from $1 million to $2 million in general liability gives you breathing room for major incidents, but expect higher monthly bills.
Your truck's worth and installed equipment drive property coverage costs. A fully custom build with commercial appliances, generators and point-of-sale systems requires substantially more protection than a basic converted van.
Most insurers weigh your credit history when calculating rates. Solid credit scores can shave meaningful dollars off your premium, while troubled credit might push your costs up by a third or more.
Keeping your food truck business insurance costs low takes planning and the right strategy. Our step-by-step guide shows you how to find cheap business insurance for your food truck while improving your risk profile and protecting your business on the road.
Food truck operators need commercial auto insurance for the vehicle itself, general liability for customer injuries and foodborne illness claims and equipment breakdown coverage for generators, refrigerators, and cooking appliances.
Add product liability since you're serving food directly to the public, and workers' compensation if you have staff preparing and serving meals. Most festivals, events, and municipalities require $1 million to $2 million in general liability coverage plus proof of vehicle insurance before issuing permits.
Food truck premiums depend on what you cook. Because of fire risk, deep fryers and grills cost more to insure than coffee or smoothie equipment. Get quotes from at least three insurers and confirm your coverage works at all your locations: city streets, private events and farmers markets.
Most insurers discount bundled policies substantially compared to separate purchases. Combining general liability, commercial property and commercial auto with one carrier costs less than buying individual policies from different companies. The savings from bundling can reduce your total premium by 10% to 25%.
Higher deductibles lower your monthly premiums since you pay more out-of-pocket before insurance coverage begins. This strategy works best when you can afford the higher upfront costs for potential claims. Consider your cash flow before choosing deductible amounts.
Monthly installment plans add 5% to 11% in processing fees to your already tight food service margins.
Paying annually eliminates these charges and qualifies you for a 6% to 9% discount from insurers. For a food truck with $6,000 in annual premiums, this combination could save $660 to $1,200 yearly, which you can redirect toward ingredient costs, equipment upgrades or securing premium event spots.
Review coverage whenever you add trucks to create a fleet, hire additional staff, or expand your menu to include higher-risk items like raw seafood or alcohol service. Your equipment limits should increase as you invest in upgraded appliances, POS systems or fire suppression systems.
If you've completed food safety certifications, installed GPS tracking or added security systems, these improvements can qualify you for discounts that lower your overall insurance costs.
Food truck business insurance generally costs between $40 and $244 per month, but your exact premium will depend on factors like location, business size, and claims history. You can often reduce your rates by comparing quotes from several insurers, bundling your coverage, selecting higher deductibles, and paying annually instead of monthly.
Food truck business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers' compensation costs just $46 monthly and is the most affordable option, though it only covers workplace injuries to employees. Most food truck operators require general liability insurance at $141 monthly to protect against customer injury claims and property damage lawsuits.
You'll pay more in these states. General liability in California runs $159 monthly (vs. $141 national average), and BOP costs $228 monthly (vs. $207 average). New York is similar at $166 and $244, respectively.
Bundling delivers greater savings compared to purchasing individual policies. Most insurance companies provide discounts when you package commercial auto, general liability and commercial property coverage together under one insurer.
Higher premiums stem from multiple risk factors: frequent location changes, cooking with open flames, serving the public directly, operating in busy areas, expensive mobile equipment, previous insurance claims, and limited safety infrastructure compared to stationary restaurants.
Higher deductibles reduce monthly premiums but increase your out-of-pocket costs during claims. Select based on your available cash reserves and anticipated claim frequency.
Workers' compensation costs for food truck businesses vary by state, spanning from $40 monthly in North Carolina to $53 monthly in New York.
Yes, BOP insurance is worth it for food truck companies. BOP costs $207 monthly and bundles general liability, commercial property and business interruption coverage together. This bundled approach saves money compared to purchasing individual policies separately while offering greater convenience for food truck operators.
Shop annually when your policy renews. Comparing quotes from multiple insurers can uncover savings, especially after business changes like expanding your menu or adding staff.
We collected food truck business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small food truck business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the food truck industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
