I have a 1990 International 4900 33,000GVW licensed in State of WA 38,000lb. Due to that size truck, or trucks for business over 15,000lb GVW, the vehicles are going to be considered commercial vehicles or just for farm use exempt. As I'm a business, with some other business equipment such as mini ecavators, trailers, track loaders, dingo, plate compactor, job box, etc all insured under the same company, I've been paying just under $500 a month. But that's with a 1990 one ton F450 landscape dump, the international and all the other equipment. I recently sold the F450, added a used 2007 Chevy 3500 service truck, and have a 2008 Kenworth T800 dump truck. Insurance is now around $1000.00 per month. The insurance is with Liberty Mutual. Regarding cost with the insurance, you need at min class B CDL and a class A CDL if you pull a 14GVW trailer or bigger commercial. I have a class A CDL. The rate may depend if you buy a new dump truck. I would suggest buying something old and fixing it up slowly and having it paid off, but you can also just get something workable in the $12,000 - $35,000 range with some nice trucks around $25,000. They may also ask what you are doing with the equipment. It cost more if you say you are excavating as they assume you are using full size trucks and a 25 ton excavator. Better to have a general contractor name or Landscape construction name
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