We're the #1 commercial truck insurer in AmericaΔ
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.
We insure many types of trucks in all states, and we specialize in insuring:
We offer customized truck coverages
In addition to some of the common coverages shared by all commercial vehicles, we offer truck-specific coverages, including:
We'll help you with your filings
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 2021, Progressive’s national average monthly cost for commercial for-hire truck insurance ranged from $703 for specialty truckers to $1,118 for other transportation truckers. These numbers only include new policies with clean driving records for all drivers and both primary liability and physical damage coverages.
Remember, these averages aren’t necessarily what you’ll pay. Your rate will depend on various factors, including:
- USDOT authority
- Coverage requirements
- Vehicle type
- Operating radius
- Driving history
Learn more about commercial truck insurance cost, policy rating factors and measures you can take to find customized coverage at a competitive price. Call or start a quote online to find out your exact rate.
Discounts and other ways to save
You can save on your truck insurance quote through a combination of special discounts† and other ways to save. Here are just a few:
- Business Experience Discount – If your business has been up and running for more than three years, you're eligible a discount.
- Commercial Driver's License (CDL) Discount – For-hire truckers can easily save on their insurance by having a CDL.
- 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 $1,579**.
View a list of discounts available for our truck insurance customers.
Common questions about truck insurance
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.