Food truck business insurance costs vary based on coverage type, helping you plan your budget effectively. Monthly premiums range from $46 for workers' compensation to $207 for business owner's policy (BOP) coverage.
How Much Does Food Truck Business Insurance Cost?
Food truck business insurance can cost as little as $46 per month, but your specific business details will determine your actual rate. Â
Discover cheap food truck business insurance below.
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Updated: August 18, 2025
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Key Takeaways
Food truck business insurance costs range from $46 to $207 monthly, varying by coverage type from basic workers' compensation to comprehensive business owner policies.
Your food truck insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable food truck business insurance costs.
Average Food Truck Business Insurance Cost Overall
| BOP | $207 |
| General Liability | $141 |
| Professional Liability (E&O) | $59 |
| Workers' Comp | $46 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Food Truck Business Insurance Cost for General Liability Coverage by State
Your Food Truck general liability coverage costs vary by location. Oklahoma offers the most savings at $118 monthly (versus the $142 national average), while New York costs $166 monthly, showing how location impacts your bottom line.
| Alabama | $140 |
| Alaska | $104 |
| Arizona | $136 |
| Arkansas | $137 |
| California | $159 |
| Colorado | $141 |
| Connecticut | $155 |
| Delaware | $154 |
| Florida | $154 |
| Georgia | $145 |
| Hawaii | $122 |
| Idaho | $135 |
| Illinois | $156 |
| Indiana | $139 |
| Iowa | $136 |
| Kansas | $138 |
| Kentucky | $133 |
| Louisiana | $137 |
| Maine | $124 |
| Maryland | $136 |
| Massachusetts | $149 |
| Michigan | $135 |
| Minnesota | $134 |
| Mississippi | $143 |
| Missouri | $141 |
| Montana | $142 |
| Nebraska | $135 |
| Nevada | $162 |
| New Hampshire | $142 |
| New Jersey | $161 |
| New Mexico | $143 |
| New York | $166 |
| North Carolina | $124 |
| North Dakota | $124 |
| Ohio | $132 |
| Oklahoma | $118 |
| Oregon | $132 |
| Pennsylvania | $164 |
| Rhode Island | $157 |
| South Carolina | $147 |
| South Dakota | $133 |
| Tennessee | $139 |
| Texas | $144 |
| Utah | $136 |
| Vermont | $137 |
| Virginia | $130 |
| Washington | $162 |
| West Virginia | $149 |
| Wisconsin | $140 |
| Wyoming | $132 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Food Truck Business Insurance Cost for Workers’ Compensation Coverage by State
Your Food Truck business cost for workers' compensation varies by state. North Carolina offers the lowest rates at $40 monthly and New York the highest at $53 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Food Truck Business Insurance Cost for Professional Liability Coverage by State
The cost for professional liability varies by state, like other business coverages. The national average is $59 monthly. Maine offers the lowest rates at $51 monthly for E&O insurance, while New York charges the highest 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Food Truck Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show big differences in food truck insurance costs by state. For example, monthly coverage in New York costs $244, while Oklahoma food truck owners pay $173.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Food Truck Business Insurance Cost
Your food truck business insurance cost depends on multiple variables that insurers evaluate when setting your premiums. Knowing what drives these costs helps you budget more effectively.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas prone to severe weather or with high crime rates increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A food truck earning $100,000 annually pays less than a multi-truck operation with $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive food preparation equipment and specialized food trucks require higher coverage limits, increasing your premiums. A truck with basic cooking equipment costs less to insure than one with custom installations and high-end appliances.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Food Truck Business Insurance
Finding affordable food-truck business insurance cost solutions requires strategic shopping and smart business practices. These proven methods can reduce your premiums immediately or over time as you build a better risk profile.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your food truck needs prevents overpaying for unnecessary coverage. Your mobile kitchen requires general liability for customer injuries, commercial auto for your truck, and food spoilage coverage. Workers' compensation is necessary if you have employees.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Get quotes from at least three companies to find the best rates. Consider working with an independent agent who can compare multiple carriers for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, commercial auto, and property coverage with one insurer typically costs less than separate policies from different companies.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for small claims, but your regular payments will be lower.
- 5
Pay annually instead of monthly
Most insurance companies add processing fees for monthly payments. Paying your premium annually eliminates these extra charges and often qualifies you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your food truck business grows. Review your policy yearly to ensure coverage matches your current operations. Drop unnecessary coverage and adjust limits based on your business size and risks.
Insurance for Food Truck Business Cost: Bottom Line
Costs range from $46 to $207 monthly, varying by the type of coverage you have. Food truck insurance costs vary based on several factors that insurance companies review to set your rates. Understanding these elements helps with accurate budget planning.
Food Truck Business Insurance Cost: FAQ
Food truck owners can lower their business insurance costs through smart comparison shopping and risk management strategies. Our proven tips below show how to reduce premiums now and build long-term savings.
What is the cheapest type of food truck business insurance?
Workers' compensation insurance costs $46 monthly, making it the most budget-friendly option for food truck businesses. However, general liability insurance ($141 monthly) is essential since it safeguards against customer injuries and property damage claims.
How much can I save by bundling my food truck business insurance policies?
Bundling insurance policies through a BOP offers the best value, combining general liability and property coverage at lower rates than purchasing separate policies.
What factors make my food truck business insurance more expensive?
Claims history and business size can make your business insurance more expensive.
General liability insurance costs around $141 per month, making it the most budget-friendly coverage option for food truck businesses. This basic protection safeguards against common business risks.
Should I choose a $500 or $2,500 deductible for my food truck business insurance?
Higher deductibles lower your monthly premiums, but require more cash when filing claims. Base your choice on available cash reserves and claim likelihood.
How much does workers' compensation cost for food truck businesses by state?
Workers' compensation rates vary from $40 monthly in North Carolina to $53 monthly in New York, with costs influenced by state regulations and local risk factors.
Is business owner's policy (BOP) worth the extra cost for food truck companies?
A BOP costs $207 monthly and bundles general liability, commercial property and business interruption coverage into one policy, offering better value than purchasing individual coverages for your food truck.
How often should I shop around for food truck business insurance quotes?
Review your food truck insurance annually during renewal and compare at least three providers. This helps secure better rates, particularly when your business grows or changes.
How We Determined Food Truck Business Insurance Costs
Food truck business insurance costs range from $46 to $207 monthly, with your location, claims history and business size affecting your premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually helps you find more affordable rates.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.