Best Auto Insurance Companies That Offer Auto and Trucking Insurance (2021)

Trying to find auto insurance companies that offer auto and trucking insurance might seem like a challenge, but most major insurance companies offer both. If you need commercial trucking insurance, you can sometimes bundle your personal and commercial plans to receive a discount. From the best to the worst trucking insurance companies, reviewing your options can help you save thousands on your plan.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 19, 2021

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Overview

  • Truck drivers need their own type of insurance: commercial trucking insurance
  • Commercial trucking insurance protects the driver, the truck, and the load transported
  • You can get commercial trucking insurance on a single truck or an entire fleet

Truck drivers are the backbone of America’s economy. Everything you buy at the store arrived there by the hard work of a truck driver. However, trucking is a dangerous business. It frequently ranks as one of America’s most dangerous jobs.

You can buy a variety of truck insurances similar to personal auto insurance. However, truck drivers require more coverage than regular drivers because they spend so much time on the road.

And, unlike regular commercial insurance, you also need coverage for the load you’re transporting. In fact, most state laws require that you have insurance covering everything from bumper to liftgate.

If you want to find the best auto insurance companies that offer auto and trucking insurance, shopping for quotes will help you find the best rates for your business. If you’re ready to see what quotes might look like for you, then enter your ZIP code into our free tool today.

Auto Insurance Companies That Offer Auto and Trucking Insurance

With 3.6 million truck drivers in America, most major auto insurance companies offer trucking insurance. While you can probably find insurance through your favorite company, the companies below rank highly for truckers.

While there are plenty of options to choose from, you’ll have a harder time finding a no-down payment commercial trucking insurance plan. Many companies want some form of down payment, but you may be able to skip it by speaking with an agent.

Keep in mind that this is only a selection of the companies that offer trucking insurance. It would be hard to find auto insurance companies that don’t offer auto and trucking insurance — your preferred company can probably cover you.

Progressive

Progressive claims a large percent of the auto insurance market in America. As one of the largest companies, they have a lot to offer. Progressive covers all 50 states, and offers insurance for tractor-trailers, cement trucks, garbage trucks, box trucks, tow trucks, and delivery trucks.

You can get Progressive quotes online or on the phone with an agent. Truck drivers favor Progressive because it offers a wide range of features, flexible plans, and convenient payment options.

Even more appealing to truck drivers is Progressive’s heavy truck claims service. In most cases, you can file a state or federal claim for free.

Progressive offers the following insurance options for truckers:

  • Comprehensive
  • Collision
  • Liability (bodily injury and personal property)
  • Personal injury protection
  • Medical payments
  • Uninsured or underinsured motorist

You can also get additional riders that protect motor truck cargo, non-trucking liability, fire protection, rental reimbursement, and theft protection.

As with most insurance companies, Progressive offers discounts to truck drivers for a variety of reasons:

  • CDL certification
  • Payment in full
  • Signing up for autopay
  • Business experience
  • Electronic logging devices
  • Bundling other insurance policies

If you’re interested in Progressive, you can compare quotes online. However, you’ll need to talk to an agent to sign up for a policy.

State Farm

State Farm offers superior customer service for truck drivers. Like Progressive, State Farm is a large company that can handle individual owner-operators and large fleets. Moreover, commercial trucking insurance companies like State Farm provide plans for individual drivers and entire fleets.

Also, State Farm consistently ranks in J.D. Power’s insurance lists. It receives much fewer complaints than the national average.

State Farm offers insurance for tractor-trailers, box trucks, pickups, flatbeds, and many other types of commercial trucks. Its insurance options include:

  • Collision
  • Comprehensive
  • Medical payments
  • Liability
  • Personal injury protection
  • Uninsured and underinsured motorist

Unfortunately, State Farm does not offer commercial insurance in all 50 states. To find out if you’re eligible and sign up for a policy, you should contact an agent.

Nationwide

As another large insurance company, Nationwide offers a wide variety of insurance options. You can request quotes online or by contacting an agent.

Nationwide offers the same types of insurance to truck drivers as many other major insurance companies:

  • Auto liability
  • Medical payments
  • Comprehensive
  • Collision
  • Uninsured and underinsured motorist

Like Statefarm, Nationwide has fewer complaints than the national average. They also receive praise for their website and mobile app.

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What is commercial auto insurance?

Commercial insurance for truckers are policies for owner-operators and trucking companies. Truck drivers spend thousands of hours on the road every year. With all that time on the road, companies and drivers must protect themselves.

Trucking insurance protects drivers and companies from financial and legal troubles caused by accidents. It also covers bodily damage for the trucker and other drivers, property damage, and damage to the load transported.

What is the difference between auto and commercial insurance?

Auto and commercial insurance differ mainly by why they are purchased. Auto insurance covers your personal vehicle while you’re driving for your own reasons. This includes going to the store, traveling for vacation, and driving to work.

However, commercial insurance covers a vehicle for business purposes. You can get a commercial policy to cover your personal car as a delivery driver. Any reason that a vehicle can be used for business, a commercial insurance policy can cover it.

Commercial trucking insurance works for large, heavy trucks used in transportation, agriculture, and construction. Unlike a commercial policy, trucking insurance covers more than just the vehicle. You can also get a policy crafted for the specific type of vehicle you use.

What is fleet insurance?

Trucking insurance covers a single vehicle and is most often purchased by owner-operators or companies with a few trucks.

Large companies with multiple trucks buy fleet insurance. One of the benefits of using fleet insurance instead of individual policies is that you usually get a discount based on how many trucks are in your fleet.

Usually, if you have five or more trucks, you are eligible for fleet insurance. However, some companies offer a fleet policy for as few as two trucks.

How much does truck insurance cost?

Rates for auto insurance companies that offer auto and trucking are higher than personal and even regular commercial insurance.

Trucking insurance costs more than a personal vehicle because it comes with a higher risk for the insurance company. Further, truck drivers typically need more coverage.

The cost of your insurance will depend on the number of trucks you need to insure, what coverage you want, the nature of your industry, and your driving history. With so many factors to consider, you should contact an agent to get the best rate possible.

From best to worst, trucking insurance prices vary widely. However, you can get a general idea of what trucking insurance will cost by looking at national averages:

Type of Insurance Plan or Add OnPrice
Primary liability $5,000-$7,000
Physical damage$1,000-$3,000
Bobtail insurance$350-$400
Occupational accident$1,600-$2,200
General liability$500-$600
Cargo coverageVaries by content and weight
Umbrella policy$500-$700

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Keep your state’s minimum requirement for insurance in mind, as well as federal regulations if you cross state lines.

For example, you need a minimum of $300,000 for non-hazardous cargo under 10,001 pounds and $750,000 for loads over 10,0001 pounds. Other goods require even more coverage, such as $1 million for oil and $5 million for hazardous or explosive materials.

Find Affordable Auto Insurance Companies That Offer Auto and Trucking Insurance

Trucking insurance is integral for anyone that drives a heavy truck for business purposes. As an owner-operator of a heavy truck for your company, trucking insurance is a must for you.

If you have a fleet of trucks, you should request information about fleet insurance.

Now that you’re ready to find quotes from auto insurance companies that offer auto and trucking insurance shopping around is the best place to start. If you’re ready to see what quotes might look like for you, then enter your ZIP code into our free tool today.

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