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New Jersey Commercial Truck Insurance
Customizable coverage options for your commercial trucks
New Jersey commercial truck coverage
From Newark to Cape May, and Trenton to Atlantic City, Progressive Commercial specializes in covering trucks and trailers of all sizes. We cover all kinds of truckers, whether you're looking for owner operator insurance, motor carrier insurance, or private carrier insurance.
With more than 50 years of experience, you can trust us to provide your commercial truck insurance in New Jersey. We're the #1 truck insurer in AmericaΔ and have an A+ rating from A.M. Best.
Trusted by over 1 million small businesses nationwide
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Industry Leader
#1 in AmericaΔ
Trust your vehicles to the top commercial truck and auto insurer.
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Customers
1 million+
Truckers count on Progressive Commercial to insure their vehicles.
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Support
7 days a week
Superior customer service, including nights and weekends.
New Jersey commercial truck insurance requirements
State and Federal Motor Carrier Safety Administration (FMCSA) insurance requirements for commercial trucking companies depend on your truck size, business type, and what you're hauling.
New Jersey requires $1.5 million minimum primary liability coverage for trucks over 26,000 pounds that are based in the state, which is double the FMCSA's $750,000 minimum. Smaller trucks between 10,000 and 26,000 pounds must have $300,000 in liability. The state requires the same cargo coverage as the FMCSA.
Progressive Commercial can ensure you have the right New Jersey trucking insurance and identify other protections you might need on the road. Contact our experts today or start a quote online.
New Jersey truck insurance filings
Progressive Commercial offers both New Jersey state and federal insurance filings. Once you file for authority, we'll handle the rest, including:
- ICC
- MCS-90
- Form E
- Form H
Types of trucks we insure
Our commercial truck insurance covers various types of trucks, such as:
Whether you own a single pickup truck or several large construction trucks, Progressive Commercial has insurance options to protect your assets and provide liability coverage.
NJ truck insurance coverages
With Progressive Commercial, New Jersey truckers can find common commercial truck insurance coverages to protect them and their businesses. We offer vehicle liability insurance, physical damage insurance, and protection against uninsured/underinsured motorists to keep your truck and business running after an accident, regardless of who's at fault.
You can also get additional coverages for more protection, such as:
- Motor truck cargo insurance
- Trailer interchange coverage
- Heavy truck roadside assistance
- Rental reimbursement with downtime
- General liability insurance for truckers
- Non-trucking liability coverage
For specialty needs, we offer customized policies for hotshot trucking insurance, refrigerated truck insurance, and even food truck insurance. Start a quote online or contact an agent, to get the right NJ truck insurance policy for your business.
How much is commercial truck insurance in New Jersey?
Your truck insurance cost will depend on what trucking category you fall under and other variables. In 2024, our national average monthly cost for commercial truck insurance ranged from $746 for specialty truckers to $954 for transport truckers.‡‡
U.S. Department of Transportation (USDOT) Authority
Driving under a lease agreement with another carrier may lower your rates compared to driving under your own USDOT authority.
Coverage limits
New Jersey and federal law set minimum coverage that all truckers are required to have, but you can choose higher limits if you want. Higher limits offer more protection, but they also cost more. Choosing limits appropriate to the value of your cargo and the risks you face can help you manage the cost of commercial truck insurance.
Type of cargo
Hazardous and valuable materials tend to cost more to insure because they pose more risk and need more protection. Regardless of what you haul, most truckers will want motor truck cargo insurance, since it's a common requirement in contracts.
Operating radius
The farther you drive, the more insurance may cost. If you travel outside of New Jersey, you may need more protection than a trucker who stays closer to home.
Type of truck
Heavier trucks usually need more liability coverage than smaller trucks. FMCSA regulations specify different minimum coverage limits for trucks under 10,000 pounds, so smaller trucks may cost less to insure.
Driving history
A history of safe driving can lower your New Jersey truck insurance rates. The better your record, the less you may pay for insurance.
Get a New Jersey commercial truck insurance quote
Start a quote online for New Jersey commercial truck insurance with Progressive Commercial. You may be able to take advantage of special benefits and features designed just for our customers.
You can also call us at 1-888-806-9598 to speak to a truck insurance representative for expert guidance.
Insurance for all cities in New Jersey
We offer truck insurance in cities across New Jersey, like:
- Bayonne
- Bloomfield
- Camden
- Clifton
- East Brunswick
- East Orange
- Edison
- Elizabeth
- Irvington
- Jersey City
- New Brunswick
- Newark
- Passaic
- Paterson
- Perth Amboy
- Plainfield
- Union City
- Vineland
- Wayne
- West New York
We also offer truck insurance for the states bordering New Jersey, including Delaware, New York, and Pennsylvania.
Common businesses that need commercial truck insurance in NJ
We offer commercial truck insurance for a variety of businesses that rely on trucking vehicles, such as:
- General freight haulers
- Log haulers
- Agriculture haulers
- Household movers
- Car haulers
- Auto repair shops
- Dirt, sand, and gravel haulers
- Towing services
- Expeditors
- Roadside assistance
No matter what kind of trucking business you run, Progressive Commercial can help you find the right coverage to keep your New Jersey business moving forward.
