If you are planning a big move, one of the most important things you should understand is how to get insurance on a interstate moving truck. Many people think that once they rent a truck from U-Haul, Penske, Budget, Ryder, or any other rental company, the truck is automatically insured. But that is not always true. Most rental companies only include basic coverage, and it may not fully protect the truck, the driver, the cargo, or other vehicles on the road.
Learning how to get insurance on a interstate moving truck helps protect you from expensive damage, accidents, or injuries. Even cautious drivers can face issues on a long highway trip—bad weather, flat tires, road debris, or other drivers can all create unexpected problems. Having the right insurance makes your move safer and less stressful.
Why You Need Insurance on a Interstate Moving Truck
Driving a moving truck is very different from driving a regular car. The truck is bigger, heavier, and harder to stop. A full truck with furniture and appliances can weigh thousands of pounds. Because of that, accidents can cause serious damage. Without proper insurance, the driver is responsible for repairs, medical bills, towing costs, and damages to others.
Insurance on a interstate moving truck protects you in situations like:
- Accidents on the road
- Damage to the rental truck
- Injuries to other drivers
- Damaged property or parked cars
- Stolen or damaged cargo
- Weather-related accidents
Most personal auto insurance policies do not cover rental moving trucks for commercial-size vehicles. That is why buying the correct insurance matters.
Types of Insurance on a Interstate Moving Truck
When you are learning how to get insurance on a interstate moving truck, it helps to know the different types of protection available. Rental companies usually offer several insurance options, including:
Liability Insurance
This covers injuries or property damage caused to someone else. Many states require liability coverage by law.
Damage Waiver or Collision Damage
This protects you if the truck is damaged. Without it, you may pay thousands of dollars out-of-pocket for repairs.
Cargo Protection
This covers the items you are moving. If furniture or appliances are damaged during travel, cargo insurance can reimburse you.
Personal Accident Coverage
This covers the driver and passengers if someone gets hurt inside the truck.
Towing and Roadside Assistance
This protects you from extra costs if the truck breaks down on the interstate.
Each company offers different insurance choices, so it is important to read the fine print before renting.
How to Get Insurance on a Interstate Moving Truck Through the Rental Company
The easiest way to get insurance on a interstate moving truck is directly through the rental company. When you reserve the truck online or in person, you can choose one or more insurance plans. Most companies offer packages so renters can pick the level of protection they want.
For example:
- Basic package may include liability only
- Standard package may include liability and damage protection
- Full-coverage package may include damage, liability, cargo, roadside assistance, and accident protection
Although it increases the total cost of the rental, full coverage gives the best protection on long interstate trips. Since interstate driving includes highways, trucks, weather changes, and heavy traffic, having full protection is usually worth it.
How to Get Insurance on a Interstate Moving Truck Through Your Auto Policy
Some people ask if their personal car insurance will protect them when driving a rental truck. The answer depends on the policy. Some insurance companies cover small moving vans but do not cover larger box trucks. If the truck weighs more than a certain amount, the insurance company may deny the claim.
Before moving, call your auto insurance provider and ask:
- Does my policy cover rental moving trucks?
- What size trucks are covered?
- Does it cover interstate travel?
- Does it include liability, collision, or cargo protection?
If your insurance company refuses coverage, you should buy insurance directly from the rental company.
How to Get Insurance on a Interstate Moving Truck Through a Credit Card Company
Some major credit card companies offer insurance for rental vehicles, but in many cases, they do not cover moving trucks. They usually only cover rental cars, not box trucks, cargo vans, or large moving vehicles.
If you plan to rely on credit card insurance, check the card benefits carefully. Do not assume coverage unless you see it in writing. Most movers find that buying insurance directly from the rental company is simpler and safer.
How Much Does Insurance on a Interstate Moving Truck Cost?
The cost depends on the type of protection you choose. On average, insurance on a interstate moving truck can range from $15 to $45 per day for basic protection. Full coverage with cargo, liability, and damage protection may cost $50 to $100 per day.
The price depends on:
- Size of the truck
- Distance of the move
- Coverage type
- Rental company
- Driving location (busy cities may be more expensive)
Even if it adds to the cost of the move, it is cheaper than paying thousands after an accident.
What Insurance Does Not Cover
Even after buying insurance on a interstate moving truck, some situations may not be covered, such as:
- Damage caused by reckless driving
- Off-road driving
- Damage during bad loading or unloading
- Damage to valuable items like jewelry or artwork
Always read the terms so you understand what is protected and what is not.
How to Save Money on Insurance on a Interstate Moving Truck
There are a few smart ways to reduce the cost:
- Book early—prices are higher during holidays and weekends
- Compare policies from multiple rental companies
- Ask about discounts for military, students, or AAA members
- Only choose coverage you need, but avoid skipping liability or damage protection
Saving a few dollars is good, but skipping essential coverage can cost much more later.
Why Insurance on a Interstate Moving Truck Brings Peace of Mind
Moving is stressful, and driving a large interstate moving truck adds even more pressure. Insurance gives peace of mind knowing that accidents, breakdowns, and damages will not destroy your budget or delay your move. It protects the truck, your belongings, and everyone on the road.
No one plans for accidents—but insurance makes sure you are protected if something unexpected happens.
Conclusion
Knowing how to get insurance on a interstate moving truck can save you from expensive surprises. The safest option is buying coverage directly from the rental company, but it is also smart to check your auto insurance or credit card benefits. Full coverage may cost more, but it protects your cargo, the truck, and your finances.
Before signing a rental agreement, always ask questions, read the policy, and choose the protection that matches your trip. Whether you are moving across one state or across the entire country, the right insurance will make your interstate move smoother and safer.