Commercial Truck Insurance

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We're the #1 truck insurer in America^Δ

Progressive Commercial has supported small businesses like yours for over 50 years. In that time, we've grown to be the #1 commercial truck insurance company in America.^Δ We provide flexible coverage and payment options, specialized heavy truck claims service, filings, discounts, and expert support.

Trusted by over 1 million small businesses nationwide

Experience

50+ years

Supporting small business owners for over half a century.
Repair network

100+

Over 100 network shops nationally for heavy trucks.{{delta-triple}}
Industry Leader

#1 in America{{delta}}

Protect your vehicles with the top commercial truck insurer.

What is commercial truck insurance?

Commercial truck insurance is specialized coverage for delivery trucks, freight haulers, tow trucks, and more. It helps protect trucking companies, for-hire truckers, and private carriers from the cost of accidents, cargo damage, and other risks on the road. Whether you're hauling goods across the country or making local stops, the right insurance can keep your business moving.

Why is trucking insurance important?

Truck insurance is important because it helps your business recover when something goes wrong. In many cases, the Federal Motor Carrier Safety Administration (FMCSA) legally requires coverage.

A well-rounded policy can protect you from costly setbacks, like liability claims, repairs, medical expenses, and legal issues. It can also include cargo protection and roadside assistance. These customizable truck insurance benefits can give you peace of mind, on and off the road.

Types of commercial truckers we insure

We understand the diverse needs of truckers and offer dependable commercial truck insurance across all 50 states. We specialize in coverage for:

Insure your commercial truck with Progressive Commercial

Show video transcript

Commercial truck insurance from Progressive protects a variety of trucks and trailers used to transport goods on a for-hire basis.

This includes for-hire truckers who haul things like general freight or autos and vocational truckers who specialize in hauling commodities such as dirt, sand, gravel, and logs.

There are many truck-specific coverages available, like motor truck cargo, motor truck general liability, rental reimbursement with downtime, and heavy truck roadside assistance.

Several factors affect the cost of commercial truck insurance. Examples include the type of trucking you do, your operating radius, and your USDOT inspection history.

Progressive also offers several benefits, including in-house claims, a network of heavy truck repair shops, payment plans, and low down payment options. Plus, there are potential extra savings when you enroll in our Smart Haul® or Snapshot ProView® programs.

Protect your business with a commercial truck insurance policy from Progressive Commercial. Call us or start a quote online today.

Disclosure: Progressive Casualty Ins. Co. & affiliates. Coverages not available in all states or for all vehicles and coverage selections. Network shops not available in all areas. Smart Haul and Snapshot ProView not available in all states. Savings not guaranteed. At renewal, driving data could increase or decrease premiums. Prices vary based on how you buy.

Businesses that need truck insurance

Businesses that rely on trucks for work usually need commercial truck insurance. We cover a variety of truckers and operations, including:

General freight drivers
Agriculture transporters
Car haulers
Dirt, sand, and gravel haulers
Expeditors
Log and timber carriers
Household movers
Auto repair shops
Towing services
Roadside assistance providers

Start a truck insurance quote to learn more about getting coverage for your business.

Types of trucks we insure

We offer insurance for many types of trucks, such as:

Whether you own a small delivery truck or a semi truck, Progressive Commercial has insurance options to protect your assets and keep you covered.

Get customized truck insurance coverage

We offer commercial truck insurance coverages tailored to your business. Choose from standard and specialty options to help protect what matters most.

TRUCK COVERAGES

Motor truck cargo

Motor truck cargo insurance protects the goods you haul. It covers loss or damage caused by accidents, theft, or other risks.

Non-trucking liability

Non-trucking liability insurance protects leased drivers who use their vehicles for personal reasons when they're not on the clock. It provides financial protection in case of accidents during personal use.

Trailer interchange

Trailer interchange insurance is essential for many trucking companies or owner operators who exchange or haul trailers owned by others. It protects against damages or losses to the trailer while in their care.

Heavy truck roadside assistance

Heavy truck roadside assistance helps pay for the services you need to get back on the road after a breakdown. It includes towing, winching, battery jump-start, fuel delivery, locksmith services, and flat tire replacement for your truck and attached trailer.

General liability for truckers

General liability for truckers pays for injuries or property damage you cause during business activities that don't directly involve driving your truck, such as delivering the wrong product and causing a client to lose money.

Rental reimbursement with downtime

Rental reimbursement with downtime can help pay for a vehicle rental or lost income while your rig is in the shop. It's a useful option for businesses that depend on their truck to stay up and running.

Primary liability coverage

Primary liability is the minimum insurance coverage required by the FMCSA. Most trucks need at least a $750,000 limit. It covers injury, property damage, and cargo spill cleanup if you get into an accident on the road.

Truck insurance cost

In 2024, Progressive Commercial's national average monthly cost for commercial for-hire truck insurance ranged from $746 for specialty truckers to $954 for other transportation truckers.^‡‡ Your specific rate depends on factors like:

Inspection history
Coverage requirements
Vehicle type
Cargo
Operating radius
Driving history

Customers who buy truck insurance from us get competitive plans with low down payment options. They can also avoid interest on monthly installments since we don't rely on outside premium financing.

Learn more about commercial truck insurance cost and how you can find customized coverage at a fair price. Call or start a quote online to discover your exact rate.

We help with truck insurance filings

We provide state and federal filings for our commercial truck insurance customers. These filings prove that you have sufficient coverage for your vehicle. After you purchase truck insurance and file authority, we'll take care of the rest.

Discounts and other ways to save on truck insurance

You can get affordable truck insurance through a combination of special discounts^† and other programs, such as:

Smart Haul® Program: Using an electronic logging device (ELD) can help you save on your Progressive Commercial truck policy by allowing us to access your driving data. New truck customers who participate save an average of $1,261.^**
Snapshot ProView®: New customers without an ELD save an average of 6% on their commercial truck policy with Snapshot ProView.^†† It also gives businesses with three or more vehicles access to free fleet management tools.

View a  list of available discounts and get a truck insurance quote to learn more about ways to save.

Why choose truck insurance from Progressive Commercial

Truckers choose Progressive Commercial because we understand their insurance needs. We've earned a strong reputation for offering custom coverage options, affordable rates, and excellent customer service. We also provide access to:

24/7 claims handling: Our customers gain access to 24/7 truck claims handling. Unlike many companies, we have a specialized team of 100% in-house adjusters who can help you manage your repairs from start to finish.
Progressive Commercial network repair shops: Our truck claims services include an extensive network of trusted pre-approved repair shops that give our customers priority status.

Start a truck insurance quote to learn how we can help you get the protection you need.

Common questions about truck insurance

Who is insured under a commercial truck insurance policy?

Who's covered by your commercial truck insurance depends on your policy and who you include when getting a quote. For example, any employees who drive your trucks should be listed as permissive users on your policy.

How long does it take to get my truck insurance filings?

Filings are usually completed within 48 hours of your request.

Does truck insurance cover my entire fleet?

Commercial truck insurance can cover multiple vehicles under one policy, but you'll need to list each truck and driver when getting a quote. Depending on the size of your fleet, you can get coverage with Progressive Commercial or Progressive Fleet. No matter what, we'll work with you to tailor a policy to meet the unique needs of your transportation business.

Does Progressive Commercial offer hotshot trucking insurance?

Yes, we can tailor a hotshot truck insurance policy with liability, cargo, physical damage, and other coverages for smaller Class 3, 4, or 5 trucks that deliver time-sensitive freight.

Does truck insurance cover personal use?

It depends on how you operate. If a driver is under their own authority, their policy covers all personal use. But if you're leased to a motor carrier, insurance usually only covers business use. In that case, non-trucking liability insurance is available to protect you when you're off the clock.

What is bobtail truck insurance?

Bobtail truck insurance is coverage that protects your truck when it's being driven without a trailer for a business purpose, like returning to your depot after dropping off a trailer.

How fast can I get truck insurance coverage?

Your exact quoting and policy binding time depend on the specifics of your business, but Progressive Commercial makes it easy to get trucking insurance fast.

You can get a quote online in as little as 8 minutes or call to speak with a truck insurance expert.

Does commercial truck insurance cover towing?

Yes. Customers with heavy truck roadside assistance coverage have access to towing services.

Carpenter with business insurance measures a piece of wood in a workshop

Start a commercial truck insurance quote and protect your vehicle today

Get a quoteOr, call 1-888-806-9598