How much does Food Truck insurance cost in Durham, North Carolina?

The estimated annual cost for a Food Truck in Durham with one employee is between $1296 and $1906. The state base rate is $910.

What insurance is required for a Food Truck in North Carolina?

In North Carolina, businesses are subject to a 4.8% insurance tax. Food Trucks typically need General Liability due to a risk factor of 1.6.

Food Truck Insurance Cost in Durham, North Carolina (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1296-$1906

Estimated Annual Premium

Monthly Average Breakdown

$127 / mo

Includes General Liability

Industry Risk Profile

Food trucks require a mix of commercial auto insurance and general liability to cover accidents on the road and food safety issues.

Risk Factor1.6x

Location Factors

State Base Rate$910
Durham Multiplier1x
State Tax Rate4.8%

Local Compliance FAQ

Is General Liability required in Durham?

While North Carolina law may not mandate it for all businesses, Food Trucks often need proof of insurance to bid on local commercial projects in Durham.

Why is the rate different here?

Your premium reflects North Carolina's specific base rate of $910 and a local city multiplier of 1x.

Compare Food Truck Insurance in Other North Carolina Cities

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How much does Food Truck Insurance cost in Durham?