About $816 a month
Commercial auto
Insureon median for trucking businesses, updated June 2025
Trucking and transportation
Concrete mixer truck insurance
For ready-mix producers, owner-operators and small fleets running transit mixers: what coverage costs, which rules apply and what to have ready for a quote.
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What similar businesses pay
- Commercial auto
- About $816 a month
- Specialty truck auto
- $635 a month
- Workers’ comp
- About $650 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What concrete mixer truck insurance costs
$635 a month
Specialty truck auto
Progressive Commercial median for for-hire specialty trucks, 2025
About $650 a month
Workers’ comp
Insureon median for trucking businesses, updated June 2025
About $51 a month
General liability
Insureon median for trucking businesses, updated June 2025
No major insurer publishes a figure for mixer trucks alone, so the closest benchmarks are trucking-wide. Insureon’s medians for trucking customers come to about $9,794 a year for commercial auto and $7,795 for workers’ comp, and 64% of its trucking customers pay less than $1,000 a month for auto. Progressive’s 2025 median for for-hire specialty trucks, which haul one type of good, is $635 a month against an average of $734. If you also place or finish concrete, Insureon’s median general liability for concrete contractors is $119 a month. Expect a mixer to price toward the heavy end: a loaded three-axle truck can run at up to 69,000 pounds under a Texas permit.
What moves your price
- Truck weight, axle count and drum size, which drive both liability and physical damage rates
- Whether you deliver your own concrete as a private carrier or haul for others
- Where trucks are garaged and the radius from the plant
- Each driver’s record and years of mixer experience
- Payroll for drivers, plant workers and anyone who enters drums
- The limits general contractors and public agencies require
- Your rollover, backing and lockout/tagout claims history
Risks
The risks insurers price for
Rollover with a shifting load
Wet concrete moves in the drum, so the center of gravity shifts on every turn and stop. CalCIMA, the California aggregates and ready-mix trade group, calls mixers highly susceptible to rollovers and advises taking freeway ramps 10 mph below the posted speed.
Soft ground, trenches and road plates on site
New construction sites have fresh fill and open trenches. CalCIMA tells drivers to stay as far from a trench as it is deep, double that in loose sand, and to check that steel plates are sized for a mixer. A wheel through a plate can collapse a trench, break a utility line or tip the truck.
The drum turns while someone is inside
In 2021 a Rhode Island worker was killed when a mixer drum began to turn while he repaired the chute into it. OSHA cited the producer for having no lockout/tagout program and for not evaluating drums as permit-required confined spaces, proposing $43,506 in penalties.
Falls from ladders and platforms
Drivers climb the truck to check loads, fill water tanks and wash out the drum. A CPWR study done for NIOSH names slips, trips and falls from truck equipment as the first driver hazard, and OSHA lists damaged ladders and loose handholds among the fixes.
Wet concrete burns and splashes
OSHA warns that contact with wet concrete can cause first-, second- or third-degree chemical burns. The same splash that burns a driver can stain a homeowner’s siding or a parked car, which turns into a property damage claim.
Backing at the plant and the pour
Mixers reverse constantly into chutes, pumps and tight residential lots. OSHA notes that poorly handled vehicles can cause crushing injuries at the plant and tells employers to keep back-up alarms working on every vehicle.
Coverage
Coverage to consider
Commercial auto liability
Pays for injuries and damage your mixer causes to others on the road and on site. It is the policy a Texas Form E is filed against, and claims while discharging a load are commonly treated as auto use.
How commercial auto works →Physical damage
Collision and comprehensive for the chassis, drum and chutes. Lenders usually require it on financed trucks, and a rollover can total a mixer outright.
How commercial auto works →Workers’ compensation
Covers drivers and plant workers hurt climbing, chuting, washing out or chipping hardened concrete from drums.
How workers’ compensation works →General liability
Covers damage and injuries from your operations that are not auto claims, such as a visitor hurt at your plant or yard. Ask how your auto and general liability policies split pour-site claims.
How general liability works →Pollution liability
Washout water, a spilled load or slurry in a storm drain can bring cleanup costs that standard auto and general liability policies often exclude. Ask whether a pollution endorsement or separate policy is needed.
Plant and yard property
If you run a batch plant, covers silos, conveyors, buildings and stored materials against fire, theft and storm damage.
How commercial property works →Umbrella or excess
Adds limits above your auto, general liability and employer’s liability when a contractor or agency asks for more than your primary limit.
How umbrella / excess works →Rules
Requirements and filings
Mixer fleets answer to federal hours-of-service rules with ready-mix exceptions, state carrier filings and state weight limits. Texas publishes rules specific to ready-mixed concrete trucks; check your own state’s DMV or DOT.
| Requirement | Applies to | What it means |
|---|---|---|
| Texas TxDMV number | Private or for-hire intrastate trucks over 26,000 lb | $500,000 liability, filed electronically by the insurer on Form E, per the Texas DMV. A lapse can bring administrative penalties or revocation. |
| Texas axle limits without a permit | Ready-mixed concrete and concrete pump trucks in Texas | 23,000 lb on a single axle and 46,000 lb on a tandem, under Transportation Code chapter 622, subchapter B. Local rules and bond requirements also apply. |
| Texas Annual Ready-Mixed Concrete Truck Permit | Three-axle ready-mix trucks in Texas | Allows a 10% axle tolerance up to 69,000 lb gross for $1,000 a year. TxDMV checks your USDOT number for out-of-service orders before issuing it. |
| Ready-mix 30-minute break | Drivers of ready-mixed concrete delivery vehicles | Under 49 CFR 395.1(t), 30 minutes or more spent waiting with the truck at a job site or terminal can count as the required break if no other work is done. |
| Short-haul exception | Drivers within 150 air miles of the plant | 49 CFR 395.1(e)(1) exempts them from records of duty status if they return and are released within 14 hours, among other conditions. |
| 24-hour restart | Drivers mainly hauling construction materials | Under 49 CFR 395.1(m), the 7- or 8-day period may end with any off-duty period of 24 hours or more. |
| Lockout/tagout and confined spaces | Employers whose workers service or enter drums | OSHA expects drums to be locked out before service and evaluated as permit-required confined spaces; both standards are among its most cited in concrete manufacturing. |
| Contract certificates | Deliveries for general contractors and public agencies | Customers commonly set their own limits and ask to be named as additional insureds. Check certificate terms before you bid. |
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Pay less
How to lower the cost
- Set speed rules for loaded trucks: CalCIMA advises 10 mph under the posted limit on freeway ramps and smooth, deliberate steering.
- Train drivers to judge ground before leaving pavement, stay back from trenches and check road plates.
- Write lockout/tagout and confined-space procedures for drum work, which OSHA cites most often in concrete manufacturing.
- Cut climbing: the CPWR study suggests ground-level water tank fills and guarded platforms for washing and inspection.
- Keep your Texas Form E or other state filing continuous; TxDMV warns a lapse can bring penalties or revocation.
- Compare quotes at renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- USDOT number and any state carrier number
- Truck schedule with VINs, model years, axle count, drum size, values and lienholders
- Driver list with license numbers, CDL class, dates of birth and years of mixer experience
- Whether you deliver your own concrete or haul for others
- Operating radius from each plant and typical job sites
- Loss runs from your current and prior insurers
- Payroll split between drivers, plant workers and office staff
- Written rollover, backing and lockout/tagout procedures
- The limits your customers require on certificates
Common questions
Concrete mixer truck insurance: questions
Do ready-mix drivers need to keep logs?
Often not. Under 49 CFR 395.1(e)(1), drivers who stay within 150 air miles of their reporting location and are released within 14 hours are exempt from records of duty status, subject to the rule’s other conditions.
Does waiting at the pour count as the 30-minute break?
Yes. 49 CFR 395.1(t) lets ready-mix drivers count 30 minutes or more of waiting with the truck at a job site or terminal, provided they do no other work during that time.
How heavy can a loaded mixer be in Texas?
Without a permit, 23,000 pounds on a single axle and 46,000 on a tandem. TxDMV’s $1,000 annual permit lets three-axle trucks run a 10% tolerance up to 69,000 pounds gross.
Does a concrete plant delivering its own product need a Texas filing?
Yes, if the trucks are over 26,000 pounds. TxDMV requires private and for-hire intrastate carriers above that weight to register and keep $500,000 of liability on file through Form E.
Who pays if a worker is hurt inside a drum?
An employee’s injury normally goes to workers’ comp. OSHA can also issue penalties: it proposed $43,506 against a Rhode Island producer after a 2021 drum fatality.
Is concrete splashed on a customer’s car covered?
Damage caused while discharging a load is commonly handled under commercial auto, and damage from other site work under general liability. Policy wording varies, so confirm how your policies split it before a claim.
Why is workers’ comp so expensive for mixer operations?
Insureon says truck drivers carry much higher workers’ comp rates than office staff, and its median for trucking businesses is about $650 a month.
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Sources (11)
- Insureon: commercial truck insurance costs (updated June 2025)
- Insureon: cost of concrete contractor insurance
- Progressive Commercial: how much is commercial auto insurance (2025)
- eCFR: 49 CFR Part 395, hours of service of drivers
- Texas DMV: TxDMV number and insurance requirements
- Texas DMV: Annual Ready-Mixed Concrete Truck Permit
- Texas DMV: Texas size and weight limits
- OSHA: Concrete manufacturing, Worker Safety Series (OSHA 3221)
- US Department of Labor: OSHA cites Rhode Island concrete supplier after cement truck fatality (March 2022)
- CPWR for NIOSH: Ready mixed concrete truck drivers, work-related hazards (2001)
- CalCIMA: Rollover prevention tips for mixer drivers
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated October 2026.