Commercial Truck Insurance

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The #1 commercial truck insurer in America*

Get a commercial truck insurance quote today

Over the past 40+ 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 also 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 2020, Progressive’s national average monthly cost for commercial for-hire truck insurance ranged from $640 for specialty truckers to $982 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 present.

Your rate will depend on various factors, including:

  • USDOT authority
  • Coverage requirements
  • Vehicle type
  • Cargo
  • 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.

Specialized commercial service

Talk to a licensed truck insurance expert. Call 1-888-806-9598 or find a local independent agent. You can also start a quote online.

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 – If you use an electronic logging device (ELD), you could be eligible to save a minimum of 3% on your Progressive truck policy by granting us permission access to your driving data.

View a list of discounts available for our truck insurance customers.

Common questions

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 they’re 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.

More information

†Discounts vary and may not be available in all states and situations.

*No. 1 truck insurer from SNL Financial's 2019 national written premium data. Truck is classified as all For Hire Specialty (FHS) vehicles, all For Hire Transportation (FHT) vehicles, and all vehicles with a Gross Vehicle Weight (GVW) greater than 16k for Tow, Contractors, and Business Auto.