Over the past 50+ years, we've grown to be the #1 commercial truck insurance company in America by providing flexible coverage and payment options, free filings, specialized heavy truck claims service, discounts and expert support.
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.
We offer customized truck coverages
In addition to some of the common coverages shared by all commercial vehicles, we offer truck-specific coverages, including:
Progressive offers state and federal filings for our commercial truck insurance customers. An insurance filing is a guarantee to the government that you have adequate coverage for your vehicle. Once authority has been filed, we can take care of the rest.
We specialize in heavy truck claims
Our goal is to give you the best truck claims service in the market. Unlike many companies, we boast a highly specialized team of 100% in-house adjusters who’ll manage your repairs from start to finish. We’ve also developed an extensive network of pre-approved repair shops that give our customers priority status.
Truck insurance cost
In 2022, Progressive’s national average monthly cost for commercial for-hire truck insurance ranged from $736 for vocational truckers to $1,125 for other transportation truckers.‡‡ Remember, these averages aren’t necessarily what you’ll pay. Your rate will depend on various factors, including:
USDOT inspection history
We offer competitive bill plans with low down payment options. Our customers can also avoid interest on monthly installments because we don’t rely on outside premium financing.
You can save on your truck insurance quote through a combination of special discounts† and other ways to save. Here are just a few:
Smart Haul® Program: Truckers using an electronic logging device (ELD) have the opportunity to save on their Progressive commercial truck policy by allowing us to access their driving data. New truck customers who participate save an average of $984.**
Snapshot ProView®: Truckers without an ELD can automatically save at least 5% on their commercial auto policy just for enrolling.†† It also gives businesses with three or more vehicles access to free fleet management tools.
Business Experience Discount: If your business has been up and running for more than three years, you're eligible for a discount.
Commercial Driver's License (CDL) Discount: For-hire truckers can easily save on their insurance by having a CDL.
Who is insured under a commercial truck insurance policy?
The people covered under a commercial truck insurance policy can vary and are specified in the policy. Any employees that drive your trucks (in addition to yourself) are known as “permissive users” and must be listed on your policy.
After I start a policy, how long does it take to get my filings issued?
Filings are usually completed within 48 hours of the request.
Does truck insurance cover personal use?
It depends. Coverage for the “personal use” of a commercial truck depends on whether the driver is operating under their own authority or leased to a motor carrier. If they’re operating under their own authority, they’re covered for all personal use under their policy. If they’re leased to a motor carrier, they’re usually covered for business use only, but they could get Non-Trucking Liability insurance to cover their personal use.
What is bobtail truck insurance?
Bobtail truck insurance is a coverage that protects your truck when it’s being driven without a trailer for a business purpose, like a trucker returning to their depot after dropping off a trailer.