If you own a commercial trucking fleet or work as an independent contractor, obtaining a commercial truck insurance policy is essential. The leading commercial truck insurance providers offer policies that fulfill state liability requirements for a wide range of vehicles, owners, and drivers. These insurers also provide discounts to help you save on premiums, assist with state and federal paperwork filings, and offer responsive customer service.
Our thorough research and reviews have identified the top commercial truck insurance company to consider. We took into account various factors, including coverage options, pricing, policy customization, and more.
Best Overall Commercial Truck Insurance: Progressive
Pros:
– Coverage available for a diverse range of trucks and trucking companies
– Offers free state and federal insurance filings
– Operates in all 50 states
Cons:
– Travel radius limitations may apply
– Policy purchase requires working with an agent, no online option
Progressive stands out as one of the largest commercial trucking insurers in the United States, catering to a wide variety of vehicles and businesses, including tractor rigs, flatbeds, pickups, and dump trucks. The company also offers specialized optional coverage, such as garagekeeper’s legal liability for tow truck operators, in addition to common add-ons like heavy truck roadside assistance. Progressive distinguishes itself by providing free filing of state and federal proof-of-insurance certificates for its policyholders. Furthermore, it prides itself on having an in-house team of claims adjusters, setting it apart from competitors. These factors collectively contribute to Progressive being our top choice for commercial truck insurance.
However, there are some limitations with Progressive. It does not offer primary liability insurance to owner-operator “super regional” truckers who cover a radius of over 500 miles in Alaska, Hawaii, Louisiana, and New York. While Progressive’s website provides more policy details compared to many competitors, you still need to collaborate with an agent to complete the quote process and purchase coverage.
Coverage Options:
– Liability (bodily injury/property damage)
– Uninsured/underinsured motorist
– Medical payments
– Collision
– Comprehensive
– Motor truck cargo
– Motor truck general liability
– Non-trucking liability
– Heavy truck roadside assistance
– Rental reimbursement with rental
– Trailer interchange
– Garagekeeper’s legal liability
– On-hook towing insurance
Discounts:
– Smart Haul Program (electronic logging device)
– Snapshot ProView (electronic fleet monitoring)
– Business experience (operating for over 3 years)
– Commercial driver license
– Prior insurance savings
– Bundling with personal auto coverage
– Bundling with general business owner’s policy (BOP)
– Paid in full
– Electronic payments
Financial Strength:
A+ (Superior) rating from AM Best
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