Fleet and Commercial Auto Insurance Costs
Commercial auto insurance costs for wireless infrastructure contractors operating mixed fleets of pickups, bucket trucks, cable trailers, boom trucks, and support vehicles across multi-state operations.
Key cost factors
- Fleet size and vehicle mix (light duty vs. heavy)
- Radius of operations and interstate travel
- Driver age, MVR history, and CDL requirements
- Hired and non-owned auto exposure
- Towing and trailer liability
- Garaging location and overnight security
- Cargo and tools in transit
- Telematics and dash camera usage
| Coverage / Item | Low Range | High Range | Notes |
|---|---|---|---|
| Pickup Truck (per vehicle, annual) | $2,400 | $5,500 | Base unit for most tower crews; rate depends on driver record and radius |
| Bucket Truck (per vehicle, annual) | $4,500 | $9,000 | Higher rate due to vehicle weight, equipment value, and road hazard profile |
| Boom Truck / Crane Chassis (per vehicle, annual) | $6,000 | $14,000 | Highest fleet cost; some markets require separate crane liability endorsement |
| Cargo Trailer (per unit, annual) | $400 | $1,200 | Cable reels, tools, and material trailers; low cost but often overlooked |
| Hired and Non-Owned Auto (annual) | $800 | $3,000 | Covers rental vehicles and employee-owned vehicles used for company business |
Ranges reflect market conditions as of mid-2026 and vary by state, loss history, and individual risk profile. Actual premiums require underwriting review.