I have my 1989 International 1600 26' flat-bed registered for 22000 lbs. GVW insured with State Farm on a non-commercial use policy. I only use it for my own junk and have "Private" "Not For Hire" on the doors. The International costs me $132.00 every 6 months for insurance, but that is for liability only. I also have an old E-350 dually insured with Hagarty and it cost's me $125.00 a year with $10K stated value