Анотація: (English) This paper presents a comparative analysis of commercial truck insurance premiums across state, including state laws, regional discrepancy, and cost reduction approaches, to facilitate understanding the nuances of commercial truck insurance and make more informed decisions. Operating commercial trucks naturally involves significant risks, ranging from accidents to cargo damage and theft, so commercial truck insurance is a must for all carriers. Without adequate insurance coverage, one may jeopardize all the business operations and financial stability. Moreover, commercial truck insurance is a legal obligation in most jurisdictions. Supervisory entities impose strict mandates on carriers to make sure they have sufficient insurance coverage to protect against liability from accidents or damages involving equipment and employees. Nonetheless, commercial truck insurance costs and requirements may vary from state to state.