Truck Insurance
Get commercial truck insurance today
We're the #1 truck insurer in AmericaΔ
Progressive has supported truckers for over 50 years. In that time, we've grown to be the #1 commercial truck insurance company in America. We provide flexible coverage and payment options, free filings, specialized heavy truck claims service, discounts, and expert support.
Why is trucking insurance important?
Truck insurance is important because it helps protect against accidents and other damages. In many cases, it's also a legal requirement.
Truckers need insurance to cover the cost of repairs, medical expenses, and legal issues that might come up. It can also help with things like cargo protection and roadside assistance. The right coverages can give you peace of mind, on and off the road.
Types of commercial truckers we insure
We understand the diverse needs of truckers and provide reliable commercial truck insurance for different types of operations. In particular, we specialize in covering:
Insure your commercial truck with Progressive Commercial
Show video transcript
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.
Businesses that need truck insurance
Businesses that rely on trucks for work typically need commercial truck insurance. We cover a variety of truckers, including:
- General freight haulers
- Agriculture haulers
- Car haulers
- Dirt, sand, and gravel haulers
- Expeditors
- Log haulers
- Household movers
- Auto repair shops
- Towing services
- Roadside assistance
Start a truck insurance quote to learn more about getting coverage for your business type.
Types of trucks we insure
We offer commercial truck insurance for many types of trucks, including:
Whether you own a small delivery truck or a semi truck, Progressive Commercial has insurance options to protect your assets and provide liability coverage.
Truck insurance cost
In 2023, Progressive's national average monthly cost for commercial for-hire truck insurance ranged from $767 for specialty truckers to $1,041 for other transportation truckers.‡‡ Remember, these averages aren't necessarily what you'll pay. Your rate will depend on various factors, including:
- Inspection history
- Coverage requirements
- Vehicle type
- Cargo
- Operating radius
- Driving history
Customers who buy truck insurance from us get competitive bill plans with low down payment options. They can also avoid interest on monthly installments because we don't rely on outside premium financing.
Learn more about commercial truck insurance cost and how you can find customized coverage at a fair price. Call or start a quote online to discover your exact rate.
We help with truck insurance filings
We provide state and federal filings for our commercial truck insurance customers. These filings prove to the government that you have sufficient coverage for your vehicle. After you purchase truck insurance and file authority, we'll take care of the rest.
Discounts and other ways to save on truck insurance
You can get affordable truck insurance through a combination of special discounts† and other programs, such as:
- 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®: Drivers without an ELD can automatically save at least 5% on their commercial truck 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.
View a list of discounts available for our truck insurance customers, and get a truck insurance quote to learn more about opportunities to save.
Why choose truck insurance from Progressive Commercial
Truckers choose Progressive Commercial because we understand their insurance needs. We've earned a strong reputation for offering custom coverage options, affordable rates, and excellent customer service with truck insurance experts. We also provide access to:
- 24/7 claims handling: Our customers gain access to 24/7 truck claims handling. Unlike many companies, we have a specialized team of 100% in-house adjusters who manage your repairs from start to finish.
- Progressive network repair shops: Our truck claims services include an extensive network of trusted pre-approved repair shops that give our trucking customers priority status.
Start a truck insurance quote to learn more about how we can help you get the protection you need.
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. For example, any employees that drive your trucks (in addition to yourself) are known as "permissive users" and must be listed on your policy.
How long does it take to get my truck insurance filings?
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.
How fast can I get truck insurance coverage?
Your exact quoting and policy binding time depend on the specifics of your business, but Progressive makes it easy to get trucking insurance fast.
You can get a commercial auto quote online in as little as 7 minutes or call to speak with a truck insurance expert.
Does commercial truck insurance cover towing?
Yes, customers with heavy truck roadside assistance coverage have access to towing services.
