Food Truck Insurance: State-by-State Guide (2026)

How Much Does Food Truck Insurance Cost?

Food truck insurance typically costs between $85–$300 per month for a comprehensive package, depending on your state, coverage limits, and business specifics. General liability alone averages about $141/month nationally, though food trucks generally pay less than brick-and-mortar restaurants due to lower property values and different risk profiles.

Key coverages for food trucks include:

• General Liability: $1,000–$2,000/year — protects against customer injury and property damage claims
• Commercial Auto Insurance: $1,200–$3,600/year — required for your truck, covers accidents and damage
• Workers' Compensation: $500–$1,500/year — required in most states if you have employees
• Product Liability: Often included in GL, covers foodborne illness claims
• Business Property/Equipment: $500–$2,000/year — covers your cooking equipment, inventory, and truck contents

Commercial auto insurance is the biggest difference between food truck and restaurant insurance — and it's often the most expensive component. Your truck is both your vehicle and your kitchen, requiring specialized coverage.