Average Food Truck Insurance Cost (2026 Report)

Commercial auto covers accidents involving your truck, including damage to other vehicles and injuries to other people. Because you stop and serve customers in busy spots, insurers see more road exposure per mile than a vehicle that just drives from A to B, which is part of why food trucks pay more than standard commercial vehicles. It's almost always required, since most states require auto liability coverage to put a commercial vehicle on the road, and event or licensing rules may ask for higher limits.

This is where your state hits hardest. The average cost of commercial auto coverage runs $115 per month per truck in Pennsylvania at the low end and $439 in Michigan at the high end, nearly four times as much. At the national level, it averages $259 per month per truck.

General liability covers claims from people outside your business, like a customer who slips near your window or gets sick from your food, or property you damage that isn't yours. Many cities and events require GL coverage before they let you operate, and a commissary or property owner may ask for it too. That's why most trucks need it from day one.

On average, you'll spend an average of $147 per month, though it'll vary depending on your state.  General liability costs range from $95 per month in West Virginia to $243 in Washington, D.C. Insurers price it around what a claim tends to cost locally, so places with higher jury awards, busier courts, and dense city foot traffic, like D.C., California, and New York, sit at the top. Rural, lower-litigation states like West Virginia and Mississippi land at the bottom.

The law rarely requires commercial property, but a lender or commissary might. It covers your equipment and gear, like fryers, grills, a generator, and refrigeration units, if they are damaged or stolen. Your equipment value matters more than your location here. A custom-built kitchen needs a higher limit than a basic cold-prep setup, so if your build is expensive, the value you declare on your policy matters more than the state average. 

The average cost of commercial property insurance is $37 per month. But it runs $32 per month in North Dakota and tops out at $44 in New York. Local property crime rates and repair costs drive the difference, which doesn't change much between states. Your equipment value matters more than your location.

If you take card payments through a system like Square or Toast, you're handling customer payment data, and cyber insurance helps you recover if that data gets exposed in a breach. It can pay to investigate what happened, notify your customers, and restore your systems. Cyber insurance costs $77 per month on average. No law requires it, but a payment processor or event contract sometimes will.

A business owner's policy (BOP) combines general liability and commercial property into one policy, usually cheaper than buying them separately. For most food trucks I recommend a BOP, since it covers both your customer risks and your equipment in one package, and most insurers knock about 10% off for bundling this way. The average cost of BOP is about $165 per month, but expect to spend around $115 in West Virginia and $256 in Washington, D.C.

Once you hire staff, workers' compensation covers their medical care and part of their lost wages if they get hurt on the job, like a burn at the grill or a slip at the window. Most states require workers' comp as soon as you have employees, though the exact point when it kicks in varies.

The average cost of workers' comp is $34 per month per employee. Average rates run from around $19 per month per employee in Indiana to $79 in California. State regulators set the benefit levels and payout rules, so a part-time worker costs about four times more to insure in California than in Indiana simply because California mandates higher payouts.

If you take card payments through a system like Square or Toast, you're handling customer payment data, and cyber insurance helps you recover if that data gets exposed in a breach. It can pay to investigate what happened, notify your customers and restore your systems. No law requires cyber liability, but a payment processor or event contract sometimes will.

At a national level, cyber insurance costs $77 per month on average, but how much you pay depends on your state. Estimates can go from $65 per month in states like Alaska and North Dakota to $96 in Washington, D.C. Each state's breach notification laws affects the cost than location, so states with stricter disclosure rules and penalties often see higher rates.

Depending on your setup, you might want a few add-ons beyond the coverages above. These are usually endorsements rather than standalone policies, which keeps them relatively cheap. These estimates come from outside research rather than our own data.