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Commercial truck insurance helps protect your vehicles, cargo, and operations. Compare top providers and find the right coverage for your business.
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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Erica SeppalaErica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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Shelbi Wescott began working for Merchant Maverick in 2019 after 17 years as a journalism educator and publications advisor, where she has extensive knowledge of newsroom systems and editorial workflows. She has overseen multiple print and online publications and mentored hundreds of emerging writers. Shelbi is also an award-winning journalist, published author, and former small business owner with a Master of Arts in Teaching from Lewis and Clark College in Portland, Oregon.
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Shelbi WescottShelbi Wescott began working for Merchant Maverick in 2019 after 17 years as a journalism educator and publications advisor, where she has extensive knowledge of newsroom systems and editorial workflows. She has overseen multiple print and online publications and mentored hundreds of emerging writers. Shelbi is also an award-winning journalist, published author, and former small business owner with a Master of Arts in Teaching from Lewis and Clark College in Portland, Oregon.
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Commercial trucking insurance helps protect your vehicles, drivers, and cargo from the risks of operating on the road.
Not all insurers offer commercial truck coverage, and policies can vary widely based on your business needs. This guide highlights top providers to help you compare options and find the right fit.
Progressive is one of the largest commercial truck insurers in the U.S., offering a broad range of coverage options for different types of trucking businesses. Its combination of nationwide availability, flexible policy options, and online quoting makes it a strong overall choice.
The company also offers 24/7 claims reporting and a network of repair shops, which can help streamline the claims process.
Progressive Commercial Trucking Pricing
Progressive provides some public pricing benchmarks based on recent policy data. On average:
Specialty truckers: Around $750/month
For-hire transport truckers: Around $1,100/month
Actual premiums vary based on factors such as cargo type, operating radius, driving history, and business size. Quotes are available online or by phone.
Progressive Policies For Commercial Trucking
Progressive offers a wide range of commercial trucking coverages, including:
Motor truck cargo
Primary liability and general liability (availability varies)
Non-trucking liability
Trailer interchange
Rental reimbursement (downtime coverage)
Types Of Trucks Progressive Covers
Progressive offers coverage for a wide range of commercial vehicles, including:
Pricing varies, with some average cost examples available
Coverage Options
Comprehensive coverage with customizable policies
Quote Speed
Usually same-day
Pros
Strong fit for specialized trucking operations
Designed for fleet coverage
Risk management and safety resources
Broad commercial insurance offerings
Cons
Not available in all states
Typically requires working with an agent
May not be ideal for small or single-truck operators
Why We Chose The Hartford
The Hartford focuses on specialized commercial trucking risks, making it a strong fit for businesses operating customized vehicles or larger fleets.
Its coverage is particularly well-suited for companies that build, modify, or operate specialty trucks, such as dump trucks, refrigerated trailers, or utility vehicles. The Hartford also offers risk management services, which can help businesses reduce claims and improve safety.
The Hartford Commercial Truck Insurance Pricing
The Hartford provides pricing by quote only. Costs vary significantly based on fleet size, vehicle type, and risk level.
Policies for larger fleets or specialized operations tend to be more expensive than standard trucking coverage. Most businesses will need to work with an agent to get an accurate quote.
The Hartford Policies For Commercial Truckers
The Hartford offers a range of commercial trucking coverages, including:
Fewer specialized trucking coverages than some competitors
Why We Chose State Farm
State Farm is a strong option for small trucking businesses, particularly those operating one or a few vehicles.
Unlike insurers that focus on large fleets, State Farm works through a network of local agents who can help tailor coverage for smaller operations. Its reputation for customer service and financial strength also makes it a reliable choice for businesses that prefer in-person support.
State Farm Pricing For Commercial Truckers
State Farm does not publish pricing information for commercial trucking insurance. Premiums vary based on factors such as vehicle type, usage, mileage, and business size.
To get coverage, you’ll need to work directly with a local agent.
State Farm Policies For Commercial Truckers
State Farm offers a mix of commercial auto and business insurance coverages that can be adapted for trucking operations, including:
Commercial auto insurance
Motor truck cargo
General liability
Business property and equipment coverage
Business interruption
Coverage options may vary depending on your business type and location.
Types Of Trucks State Farm Covers
State Farm provides coverage for a range of smaller commercial vehicles, including:
Pickup trucks and vans
Box trucks and delivery vehicles
Refrigerated and catering trucks
Farm and service vehicles
Choose State Farm If You...
Operate one or a few trucks
Want a well-established insurer with strong customer support
Pricing varies based on coverage and business profile
Coverage Options
Comprehensive coverage with customizable policy options
Quote Speed
Approximately 30 minutes
Pros
Strong fit for public auto and passenger transport
Broad coverage options
Cost-saving deductible features
Established national insurer
Cons
Not available in all states
Typically requires working with an agent
May be more complex than needed for small operators
Why We Chose Nationwide
Nationwide stands out for businesses that transport passengers or operate public-facing vehicles, such as taxis, limousines, and shuttle services.
While it offers standard commercial trucking coverage, its specialization in public auto insurance makes it a strong choice for companies that move people rather than freight.
Nationwide Commercial Truck Insurance Pricing
Nationwide provides pricing by quote only. Costs vary based on vehicle type, usage, and risk level.
The company offers some features that may help manage long-term costs, including:
Combined deductibles for certain types of losses
Diminishing deductible programs for claim-free policyholders
Nationwide Policies For Commercial Truckers
Nationwide offers a broad range of trucking and commercial auto coverages, including:
Milepost is built specifically for trucking businesses, with a strong focus on operational support in addition to coverage.
It stands out for helping drivers and companies handle insurance filings and compliance requirements, making it a good option for new authorities, owner-operators, and businesses managing complex trucking operations.
Milepost Trucking Insurance Pricing
Milepost provides pricing by quote only. Quotes are available online or by phone, often within minutes.
Premiums vary based on factors such as driving history, cargo type, and operating radius.
Milepost Policies For Commercial Truckers
Milepost offers a range of trucking-specific coverages, including:
Auto liability
Physical damage
Motor truck cargo
General liability
Trailer interchange
On-hook/in-tow and garagekeepers coverage
Milepost can also handle required trucking filings on your behalf, including:
BMC-91 and BMC-91X filings
MCS-90 endorsement
State Form E
Oversize/overweight filings (OS-32)
UIIA certificate
This added support can be especially helpful for new or growing trucking businesses.
Types Of Trucks Milepost Covers
Milepost supports a wide range of trucking operations, including:
Owner-operators and fleet operators
Local and long-haul trucking
For-hire and private carriers
Trailer-based operations (e.g., dry van, flatbed, refrigerated)
Common commercial vehicles such as tractors, box trucks, and dump trucks
Choose Milepost If You...
Need help with trucking filings and compliance
Are a new authority or owner-operator
Operate trailer-heavy or specialized trucking operations
Merchant Maverick has been researching and reviewing business insurance since 2020. Our writers have tested over twenty different major insurance companies. In each review, we evaluate pricing, features, customer service, and user reviews.
When comparing different business insurance companies, we consider many data points, including relative pricing, the number of standard insurance policies available, and the ability to create custom policies. Our lists of the best business insurance providers include only those we’ve deemed worthwhile from multiple vantage points and often share qualities such as low cost, a variety of niche business insurance policies, multiple ways to file claims, and excellent customer support.
We spend an average of 10-15 hours researching and updating each one of our lists, ensuring that the business insurance companies included meet our internal standards for quality and reputation.
What Is Commercial Trucking Insurance?
Commercial truck insurance is a type of commercial auto insurance designed for trucking businesses and owner-operators. Coverage is typically made up of multiple policies that can be combined based on your operation.
Common coverages include:
Primary liability insurance: Covers bodily injury and property damage if your truck causes an accident. Federal regulations may require minimum coverage limits, which vary based on factors such as cargo type and vehicle weight
General liability insurance: Covers non-driving-related risks, such as injuries on your business premises or certain legal claims (e.g., advertising injury)
Physical damage coverage: Covers repair or replacement of your truck due to accidents, theft, or other covered events
Non-trucking liability: Covers incidents that occur when the truck is used for personal, non-business purposes
Bobtail insurance: Covers your truck when it’s being driven without a trailer attached for business-related reasons
Motor truck cargo insurance: Covers damage to or loss of the goods you’re transporting (availability and requirements vary)
Rental reimbursement (downtime coverage): Helps cover the cost of a replacement vehicle or lost income if your truck is out of service after a covered loss
Trailer interchange coverage: Covers damage to trailers you don’t own but are hauling under a trailer interchange agreement
Who Needs Commercial Trucking Insurance?
Commercial truck insurance is designed for businesses that operate large trucks or haul cargo, particularly across state lines. It differs from standard commercial auto insurance, which typically covers smaller business vehicles.
You may need commercial truck insurance if you:
Operate semi-trucks, tractor-trailers, or other heavy-duty vehicles
Transport goods or cargo for your business or for hire
Drive interstate (across state lines)
Operate as an owner-operator or motor carrier
Businesses that use smaller vehicles (such as vans or light-duty trucks) for local work may only need a commercial auto policy, depending on their operations.
Federal Requirements
If you transport goods across state lines, you may be subject to federal regulations.
The Federal Motor Carrier Safety Administration (FMCSA) requires certain businesses to:
Obtain Motor Carrier (MC) authority and a USDOT number
Carry minimum levels of liability insurance, which vary based on cargo type and risk
Once your authority is granted, you must have the required insurance coverage in place before operating.
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
View Erica Seppala's professional experience on LinkedIn.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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