Progressive Commercial is our top pick for commercial trucking insurance thanks to their solid coverage and easy claims process. The right insurance company for your trucking business depends on factors like your fleet size, operating radius, driver experience, and the type of freight you haul. We analyzed leading trucking insurers to help you find the best match for your needs.
Hi, I'm Michael Marshall from FreightWaves
Our featured partner for trucking insurance is Progressive
Progressive Commercial helps protect the vehicles your business relies on, from cargo vans and pickups to dump trucks and tractor-trailers. With 24/7 claims support, a large truck repair network, and online certificates of insurance, it’s easier to keep your fleet moving.
Fast, easy quote process
Customizable coverage
50+ years experience
Coverage in all 50 states
Why You Can Trust FreightWaves Checkpoint
At FreightWaves Checkpoint, our mission is to provide truckers and fleet owners with data-driven, unbiased insights into the products and services that keep the industry moving, including trucking insurance.
We analyzed dozens of trucking insurance providers nationwide, focusing on important factors like pricing transparency, coverage options, claim handling, financial strength, and customer satisfaction. We also studied real driver feedback and online reviews to understand how each insurer performs in the real world in terms of claims support, responsiveness, and ease of policy management.
Our editorial team thoroughly fact-checks all content to ensure the information is accurate, current, and relevant to what matters most to truckers looking for reliable insurance protection.
Key Takeaways
- Commercial trucking insurance is required for many for-hire interstate carriers and hazmat operations. Minimum federal limits depend on the type of operation and what you haul.
- Progressive is our top overall pick because they offer flexible coverage options, strong national availability, and an easy claims process that works well for both owner-operators and fleets.
- Most trucking businesses pay between $9,000 and $18,000 per truck per year
- When evaluating insurers, consider their financial stability, available coverages, reputation for handling claims, and whether they support required filings for your type of operation.
9 Best Commercial Truck Insurance Companies
- Best Overall Coverage: Progressive
- Best for Direct Savings: biBerk
- Best Agency-Based Option: Infinity Insurance Agency (IIA)
- Best Customer Service: State Farm
- Best for Personalized Coverage: Allstate
- Best Single Truck Insurance: Sentry
- Best Fleet Policies: The Hartford
- Best for Fleet Operators: Liberty Mutual
- Best for High-Risk Drivers: Nationwide
| Provider | “Best” | How You Buy | Best Fit | Coverage Strengths | State Availability | Keep in Mind |
|---|---|---|---|---|---|---|
| Progressive | Overall coverage | Direct + agents | Owner-operators to fleets | Broad trucking package (liability, cargo, physical damage, filings) | All 50 states | Rates can climb after multiple claims; some endorsements vary by state |
| biBerk | Direct savings | Direct online (with phone support) | Small businesses wanting DIY purchase | Commercial auto basics + trucking add-ons (cargo, trailer interchange, downtime options) | Confirm when you get a quote | Trailer/for-hire add-ons and availability vary by state; some coverages not automatic |
| Infinity Insurance Agency (IIA) | Agency-based option | Agency (shops 20+ carriers) | Price shopping and edge cases | Commercial auto options via partner carriers; flexible underwriting depending on carrier | Confirm when you get a quote | Claims experience and policy details depend on which partner carrier writes the policy |
| State Farm | Customer service | Local agents | Hands-on, agent-led support | Commercial auto + umbrella options; agent support for servicing | All 50 states (coverage varies) | Can price higher for violations/claims; trucking specifics may vary by state |
| Allstate | Personalized coverage | Agent-led | Local/light-duty operations | Commercial auto fundamentals (liability, comp/collision, med pay) | 47 states (excludes AK, HI, MA) | Fewer heavy-duty trucking options; commercial availability varies by state |
| Sentry | Single-truck insurance | Agent/underwriter-led | Owner-operators/1-truck ops | Trucking-focused coverages (liability, physical damage, cargo, GL, workers’ comp) | All 50 states (programs vary) | Limited online quoting; fewer options for complex fleets |
| The Hartford | Fleet policies | Agent/underwriter-led | Multi-truck fleets | Fleet programs + risk engineering; multi-line business coverage support | All 50 states | Some fleet programs may require minimum vehicle counts; telematics may be partner-based |
| Liberty Mutual | Fleet operators | Agent/underwriter-led | Larger fleets/higher limits | Fleet risk management + higher-limit capacity; umbrella options | All 50 states | Longer underwriting for some fleets; smaller ops may not fit certain programs |
| Nationwide | High-risk drivers | Agent/underwriter-led | Tickets/claims/newer drivers | Commercial auto + cargo/PD; payment plan options | 46 states (excludes AK, HI, LA, MA) | Higher-risk accounts may face higher deductibles; availability varies by state |
Best Overall Coverage: Progressive
We picked Progressive as the best overall coverage option because they offer a strong mix of liability, physical damage, cargo, and specialty protections that work for both single trucks and larger fleets. Their policies are flexible enough that most trucking businesses can tailor coverage around their routes, freight, and budget.
Progressive also stands out for their easy quoting tools, helpful discounts, and dependable claims support.
Pros & Cons
Pros
- Wide range of trucking coverage
- Online quoting & policy management tools
- Handles filings required for many motor carriers
- Discounts for telematics & safe driving data
Cons
- Premiums can increase after multiple claims
- Not every specialized endorsement is available in all states
Trucks Covered
- Box trucks
- Semi-trucks
- Dump trucks
- Hotshot trucks
Coverage Options
- Primary liability
- Motor truck cargo
- Physical damage
- Non-trucking liability
- Trailer interchange
State Availability
Progressive offers commercial trucking insurance in all 50 states.
Special Features
- Telematics programs that can factor ELD or driving data into pricing
- 24/7 claims reporting by phone & online
- Digitally manage most policy changes
- Support for requisite state & federal trucking filings
Best Direct Savings: biBerk
We picked biBerk as the best direct-sold option because they sell commercial auto coverage straight to small businesses without a broker in the middle, and they explicitly target transportation and trucking companies. Local and long‑haul operations can tailor a policy to their fleet.
With biBerk, you can get a quote and buy a policy entirely online or talk to a licensed expert. Their direct-to-business model is marketed as up to about 20% less expensive than some traditional carriers. All of this is backed by Berkshire Hathaway Insurance Group companies with decades of experience and A++ financial strength ratings.
Pros & Cons
Pros
- Buy direct online; advertised up to ~20% cheaper than some competitors
- Specialized in trucking, hot shot, towing, and local/long-distance hauling
- Covers a wide range of trucks and trailers (pickups, tow, box, flatbed, dump, tractors, dry van, reefers)
- Includes standard auto coverages (liability, med pay/PIP, UM/UIM, comp & collision)
- For for-hire trucking, offers add-ons like cargo, trailer interchange, on-hook towing, and downtime rental
Cons
- No built-in coverage for hired/non-owned vehicles; must add to a policy
- Trailer physical damage isn’t automatic; most trailers must be listed and only very light trailers get automatic liability
- Coverage and add-ons vary by state—must confirm with biBerk’s maps or your quote
Trucks Covered
- Pickup trucks
- Box trucks
- Flatbed & dump trucks
- Tow trucks
- Truck tractors
- Dry van & refrigerated trailers
Coverage Options
- Bodily injury liability
- Property damage liability
- Medical payments/no‑fault/personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Comprehensive physical damage for vehicles and trailers
- Collision coverage for vehicles and trailers
- Optional add‑ons for for‑hire trucking: cargo liability, trailer interchange, on‑hook towing, rental reimbursement with downtime and downtime coverage
State Availability
Use their interactive coverage map or state selector to confirm commercial auto availability and other policies in your state.
Special Features
- Buy, manage your policy, get certificates/ID cards, and report claims online, or work with biBerk’s licensed insurance experts by phone
- Transportation-specific expertise, including hot shot trucking, towing, delivery/courier services, and both local and long-distance trucking
- Ability to bundle commercial auto with workers’ comp, general liability, BOP, umbrella, and other small business coverages from the same carrier
- Part of Berkshire Hathaway Insurance Group, with policies underwritten by A++ rated insurers and billions paid in claims each year
Best Agency-Based Option: Infinity Insurance Agency (IIA)
We picked Infinity Insurance Agency (IIA) as the best agency-based option because they work with over 20 different carriers to help small and mid-sized businesses find affordable commercial auto coverage. Instead of being tied to a single insurer, IIA can match you with a company that fits your vehicles, budget, and driver profiles.
IIA’s commercial auto program is built for business use of cars, pickups, vans, and trucks, including trailers attached to those vehicles. They emphasize affordable price points, the ability to accept foreign licenses, flexibility for drivers with less-than-perfect records, and options that scale from a single work truck up to a midsize fleet.
Pros & Cons
Pros
- Shops your policy with 20+ commercial auto insurers
- Budget-friendly for small to midsize businesses, with room to grow coverage
- Flexible on foreign licenses and less-than-perfect driving records
- Multiple discount options available
- Flexible billing and payment options (including recurring card payments)
- Automatic coverage for eligible new drivers (where available)
- Spanish-speaking agents and online education resources
Cons
- Policies handled by partner insurers, so claims and details vary by carrier and state
- Commercial auto only available in select states
- Coverage, discounts, and trailer eligibility depend on the carrier that writes your policy
Trucks Covered
- Landscaping trucks & trailers
- Contracting/construction trucks
- Cars used in delivery and sales
- Full-size vans & cargo vans
- Pickup trucks
- Utility trailers
- Straight trucks/flatbed trucks
- Other eligible light and medium-duty commercial vehicles
Coverage Options
- Commercial liability (higher limits than typical personal auto policies)
- Collision coverage for damage from a covered crash with another vehicle or object
- Comprehensive coverage for non-collision losses (theft, vandalism, fire, certain animal strikes, some weather events)
- Uninsured/underinsured motorist coverage
- Medical payments (MedPay)
- Personal Injury Protection (PIP) where required/available
- Coverage that can extend to certain attached trailers, depending on the unit and occupation
State Availability
IIA serves auto customers (personal and commercial) in Arizona, California, Colorado, Florida, Georgia, Illinois, Oregon, Pennsylvania, and Texas. Availability and requirements vary by state and underwriting company, so you’ll need to confirm eligibility with IIA for your location.
Special Features
- Works with over 20 carriers to customize commercial auto coverage to your business
- Online commercial auto insurance calculator to estimate costs before you buy
- Focus on small businesses and independent contractors using vehicles for work
- Options that can extend to one vehicle or a small-to-midsize fleet, including certain trailers
- Help with finding discounts and payment plans that fit small business budgets
- Support from Spanish-bilingual agents who understand local state requirements
Best Customer Service: State Farm
State Farm earns our best customer service spot thanks to their large network of local agents and hands-on support. Many truckers appreciate having someone they can call or meet in person when they have questions about coverage, billing, or claims.
With State Farm, you’re more likely to work with an agent who understands your operation and can help you adjust coverage as your business grows or changes.
Pros & Cons
Pros
- Local agents for in-person policy reviews
- Insure business & personal vehicles with one carrier
- Commercial umbrella policies that can extend auto liability limits
- Simple claims intake process
Cons
- Premiums can be higher for drivers with recent violations or claims
- Trucking coverage not available in every state
Trucks Covered
- Box trucks
- Service trucks
- Pickup trucks
- Commercial vans
Coverage Options
- Primary liability
- Medical payments
- Physical damage
- Hired & non-owned auto
- Rental reimbursement
State Availability
State Farm provides trucking insurance in all 50 states, though coverage details may differ by area.
Special Features
- Agent-led support for filing certificates & endorsements
- Bundling of multiple business insurance lines
- Local offices for annual policy reviews
- Assigned agent for claims & policy changes
Best for Personalized Coverage: Allstate
Allstate earns the best personalized coverage spot because they take a more one-on-one approach to building trucking policies. Their agents often take time to learn how your business runs before recommending coverage.
This level of attention helps you avoid generic policies and get protection that actually fits the way you operate.
Pros & Cons
Pros
- Agent-led setup & servicing for commercial vehicle policies
- Combined commercial auto & other small-business coverage
- Flexible payment scheduling
- Online tools for claims reporting & updates
Cons
- Fewer options for heavy-duty trucking
- Commercial coverage varies by state
Trucks Covered
- Cargo vans
- Pickup trucks
- Light-duty box trucks
- Small commercial vehicles
Coverage Options
- Commercial auto liability
- Collision
- Comprehensive
- Rental reimbursement
- Medical payments
State Availability
Allstate provides commercial auto coverage in 47 states, excluding Alaska, Hawaii, and Massachusetts.
Special Features
- Agent support for business coverage planning
- Option to manage personal & business auto policies with one agent
- Digital claim tracking paired with in-person agent guidance
- Flexible commercial auto endorsements for local operations
Best Single-Truck Insurance: Sentry
Sentry stands out as the best single-truck insurance choice because they’re especially friendly to owner-operators and small operations with just one vehicle. Their policies focus on the core protections solo drivers rely on, without the complexity that comes with larger fleet programs.
For new or independent drivers, their approach can mean clearer pricing, simpler decisions, and support that understands what it takes to run a one-truck business.
Pros & Cons
Pros
- Options for cargo coverage tailored to different freight types
- Policies for intrastate & interstate operations
- Allied member of the American Trucking Association
- Add-on coverage options for small trucking businesses
Cons
- Limited online quoting tools
- Fewer options for large or complex fleets
Trucks Covered
- Tractor trailers
- Box trucks
- Straight trucks
- Refrigerated trucks
Coverage Options
- Primary liability
- Physical damage
- Motor truck cargo
- General liability
- Workers’ compensation
State Availability
Sentry offers commercial trucking insurance across all U.S. states, although specific programs may vary by location.
Special Features
- Focus on trucking & transportation businesses
- Support geared toward owner-operators & smaller fleets
- Access to safety and loss-control resources for trucking operations
Best Fleet Policies: The Hartford
We chose The Hartford as the best option for fleet policies because they have deep experience working with multi-truck operations and the unique risks that come with them. Their programs are designed to support business owners, dispatchers, and safety teams who manage multiple vehicles.
The Hartford also provides tools and resources aimed at improving safety and reducing claims, which can help fleets control long-term costs.
Pros & Cons
Pros
- Commercial auto programs for multi-truck operations
- Risk engineering tools for transportation businesses
- Optional roadside assistance for commercial vehicles
- Telematics options through partnered programs
Cons
- Some programs may require a minimum number of vehicles
- May need to enroll in a partner tracking program for telematics
Trucks Covered
- Tractor trailers
- Box trucks
- Flatbeds
- Service trucks
Coverage Options
- Commercial auto liability
- Property damage
- General liability
- Workers’ compensation
- Fleet physical damage
State Availability
The Hartford provides commercial auto and fleet programs in all 50 states.
Special Features
- Risk control specialists focused on reducing fleet accidents
- Telematics partnerships that track vehicle performance & driver habits
- Fleet-oriented claim coordination for multi-vehicle losses
- Ability to combine multiple business policies under one account
Best for Fleet Operators: Liberty Mutual
Liberty Mutual earns our best fleet operators pick thanks to their focus on large commercial accounts and risk management. They work well with trucking companies that need consistent coverage across many vehicles, drivers, and routes.
Along with standard trucking protections, they offer loss control support, data-driven insights, and claims resources tailored to busy, high-volume operations.
Pros & Cons
Pros
- Resources for improving fleet maintenance routines
- High-limit liability for larger exposures
- Large underwriting capacity for businesses with multiple vehicles
- Flexible billing plans
Cons
- Some fleets may face longer underwriting review periods
- Small operations may not meet criteria for certain programs
Trucks Covered
- Commercial vans
- Box trucks
- Tractor trailers
- Service trucks
Coverage Options
- Liability
- Motor truck cargo
- Physical damage
- General liability
- Umbrella policies
State Availability
Liberty Mutual offers trucking insurance in all 50 states.
Special Features
- Telematics programs to monitor driver behavior
- Safety training resources for fleet managers & drivers
- Structured umbrella coverage for larger exposures
- Loss-control support
Best for High-Risk Drivers: Nationwide
Nationwide is our choice for best high-risk drivers because they’re more willing than many competitors to insure trucking businesses with tickets, accidents, or newer drivers.
They also give higher-risk drivers a chance to improve their standing over time through safer driving and better compliance. If you’re working to rebuild your insurance profile, Nationwide may offer the breathing room you need.
Pros & Cons
Pros
- Bundled auto & business property & liability policies
- Online access to key policy documents
- Payment plan options for small businesses
- Discounts for clean safety records
Cons
- High-risk operators may face higher deductible requirements
- Not available in every state
Trucks Covered
- Box trucks
- Refrigerated trucks
- Pickup trucks
- Cargo vans
Coverage Options
- Commercial auto liability
- Physical damage
- Cargo coverage
- Medical payments
- Uninsured & underinsured motorist
State Availability
Nationwide offers trucking insurance in 46 states, excluding Alaska, Hawaii, Louisiana, and Massachusetts.
Special Features
- Programs to imporve insurability of higher-risk drivers
- Management of multiple business policies
- Online access to billing, ID cards & policy documents
- Flexible options for short-haul & regional trucking operations
Hi, I'm Michael Marshall from FreightWaves
Our featured partner for trucking insurance is Progressive
Progressive Commercial helps protect the vehicles your business relies on, from cargo vans and pickups to dump trucks and tractor-trailers. With 24/7 claims support, a large truck repair network, and online certificates of insurance, it’s easier to keep your fleet moving.
Fast, easy quote process
Customizable coverage
50+ years experience
Coverage in all 50 states
What Is Commercial Truck Insurance?
Commercial truck insurance is a type of coverage designed to protect trucking businesses from the financial impact of accidents, cargo losses, and damage involving commercial vehicles. Because trucks are larger, heavier, and often carry valuable freight, the risks and potential costs are much higher than those of a personal vehicle.
This coverage isn’t just helpful. In most cases, it’s required by federal and state regulations before a truck can operate legally. Commercial truck insurance ensures that business owners can cover medical bills, property damage, cargo losses, and other expenses that would otherwise be financially devastating.
By maintaining active coverage and meeting required limits, trucking companies can stay compliant, protect their assets, and keep their operations running safely.
Read our full guide on What is Commercial Trucking Insurance & How Does It Work?
What To Look For in Commercial Truck Insurance
Choosing the right commercial truck insurance means understanding what matters most to your business. Here are the key factors to review before you pick a provider:
- Trucks covered: Make sure the insurer covers every type of vehicle you operate
- Coverage options: Look for policies that fit your actual routes and risks instead of paying for protections you won’t use
- Deductibles: Higher deductibles lower your monthly payment but increase your cost after an accident
- Monthly premiums: Premiums vary widely between insurers, so it’s worth gathering quotes from several companies
- Company financial standing: Larger carriers often have more resources
- Policy limits: Check that the limits are high enough to cover the cost of repairing or replacing your trucks
- Company reputation: Look into how the insurer handles claims and supports customers
How To Find the Most Affordable Trucking Insurance
- Compare quotes: Look at multiple insurers to review differences in price, coverage, and requirements
- Ask for discounts: Some companies reduce premiums for drivers with a CDL for two or more years, owner-operators with several years in business, or truckers who have maintained continuous prior insurance
- Pay the yearly premium upfront: Some insurers offer savings, often up to 15%, if you pay the full annual premium at once instead of monthly
- Tailor your policy: Choose coverage that fits your business as it is today
- Opt for higher deductibles: Make sure you’re comfortable paying the deductible amount out-of-pocket if you need to file a claim
- Always review renewals: Check your renewal documents each year to see if coverage needs have changed or if your premium has increased
FAQ
How much does commercial truck insurance cost?
Most trucking businesses pay between $9,000 and $18,000 per truck per year, depending on factors like location, driving history, vehicle type, and the cargo hauled. Owner-operators with clean records tend to fall at the lower end of the range, while new authorities or higher-risk drivers may pay more.
How are commercial truck premiums determined?
Premiums are based on several factors, including:
- Driving experience
- Safety record
- Type of freight hauled
- Operating radius
- Vehicle weight
- Past claims
Insurers also look at whether trucks run local routes or long-haul trips, as longer distances generally increase risk. Each provider weighs these factors differently, which is why getting multiple quotes is important.
How can a trucking company lower insurance costs?
Carriers can reduce costs over time by:
- Maintaining clean safety records
- Implementing driver training programs
- Investing in telematics
- eeping equipment well-maintained
Insurers reward businesses that demonstrate proactive risk management. Reviewing coverage annually and eliminating outdated or unnecessary endorsements can also help reduce overall premiums.
Do you need different insurance for hauling hazardous materials?
Yes, hauling hazardous materials requires higher liability limits and sometimes additional endorsements. Federal regulations set minimums for hazmat loads, and insurers may impose stricter requirements due to the higher risk of accidents or spills.
Not all commercial insurers offer hazmat coverage, so carriers may need to work with a company that specializes in these operations.
Is commercial truck insurance tax-deductible?
Yes, insurance premiums for business-use trucks are generally tax-deductible as ordinary business expenses. This includes liability, physical damage, cargo coverage, and even some specialty endorsements.
Trucking businesses should work with a tax professional to confirm which premiums qualify and ensure proper documentation is kept for tax filing.
