Best Commercial Truck Insurance

According to the Insurance Information Institute, Progressive is the largest commercial auto insurer in the United States, providing coverage to more than 16% of the overall market. They offer commercial truck policies in all 50 states with coverage available to a variety of vehicles, including box trucks, tow trucks, tractor-trailers, dump trucks, cement trucks, garbage trucks, delivery trucks, and even ice cream trucks. 

Progressive snags our top spot for the best commercial truck insurance thanks to the range of coverage and features offered. Not only does this carrier provide online quotes and flexible coverage and payment options, but it also provides expert support for commercial truck customers. Progressive provides a specialized heavy truck claims service and offers both state and federal insurance filings for free (usually issued within 48 hours).

Truck insurance through Progressive includes general liability (bodily injury and personal property), comprehensive, collision, uninsured/underinsured motorist, medical payments, and personal injury protection (PIP). Additional coverages include motor truck cargo, trailer interchange, rental reimbursement (with downtime), non-trucking liability, and fire and theft options. 

Progressive provides discounts for things like business experience, drivers with CDL certification, electronic logging devices (ELDs), paying in full, signing up for EFT/autopay, bundling coverage with personal vehicle insurance, or building a package. Online quotes are offered, but you’ll need to work with an agent to buy the right policy for your company. Claims can be filed over the phone anytime, with agents available 24/7.

Progressive was founded in 1937 and currently holds an A+ (Superior) financial strength rating from AM Best. According to data from the National Association of Insurance Commissioners, Progressive received a higher-than-average number of consumer complaints in 2020, 2021, and 2022.

To learn more information about this carrier, check out our full Progressive Car Insurance Review.

Sentry has been providing trusted commercial insurance coverage since 1904. Though this carrier is on the smaller side of commercial truck insurance, they offer coverage in all 50 states through their network of 65 agencies, all of which specialize in trucking.

Sentry believes in customizing the insurance experience, tailoring their commercial truck coverage to build exactly the policy you need, even if you’re a single owner-operator. They have a knowledgeable claims staff who understand trucking (and the challenges or needs involved) and offer certified safety directors who boast more than 20 years of industry experience. This level of expertise and specialization, especially for non-fleet business owners, makes Sentry our top pick for the best for single trucks.

Policies are available to owner-operators, large fleets, and everything in-between. Sentry currently insures more than 37,000 truckers, offering a range of liability, physical damage, collision, comprehensive, motor truck cargo, and non-trucking liability (personal use) coverage. There are no online quotes available, so you’ll need to call or find a local agent to get more information.

Sentry boasts an A+ AM Best rating in 2021 and had a lower-than-average number of consumer complaints in 2022, according to the NAIC. Claims can easily be filed over the phone, and the status can be checked online once filed. Sentry doesn’t outsource their claims handling, either; instead, they staff their own claims adjusters who specialize in trucking risks.

Our top pick for the best fleet coverage is The Hartford, a carrier that has been around since 1810. The Hartford offers commercial insurance protection in all 50 states to single vehicles and fleets alike, but really shines when it comes to mitigating risk for commercial fleets.

Through The Hartford, you can purchase general liability, property, workers comp, umbrella, and excess liability coverage for your commercial trucks. Vehicles covered include:

• Dry freight and refrigerated trailers
• Refuse trucks
• Ambulances
• Dump trucks
• Fire trucks
• Snowplow attachments
• Trailer manufacturers

There are limited coverage options for single-vehicle policies—and The Hartford readily admits that they “prefer to write Commercial Auto as part of a multi-line account”—but is probably better suited for businesses with multiple vehicles on the road. 

The FleetAhead management program helps to integrate risk management with technology, allowing you to reduce loss and ensure safety while also improving driver performance. They offer a number of different telematics products, and customers may qualify for additional discounts just for purchasing and using these programs. There are no online quotes available, so you’ll need to call and speak with an agent to get more info or pricing.

With your commercial truck insurance through The Hartford, you’ll also enjoy additional free coverages. These include glass repair deductible waiver, one-deductible-for-two coverage, coverage for leased and loaned vehicles, and waiver of subrogation, to name a few.

To learn more information about this carrier, check out our full The Hartford Auto Insurance Review.

If you’re looking around for affordable commercial truck insurance, shopping through an aggregator platform like CoverWallet might be a good place to start. This company earns our nod for the best value by offering customers the ability to get instant quotes from multiple carriers, for a wide range of trucks and coverage options.

Founded in 2015, CoverWallet aims to make the insurance-buying process easier for commercial customers with the help of AI. They provide quotes in seconds, even from your phone, for general liability, physical damage, non-trucking liability, bobtail, cargo, trailer interchange, hired, and non-owned auto coverage. 

Drivers with bad credit and/or bad driving records can still find and buy a policy through CoverWallet (though, you should expect to pay more in premiums). Trucks allowed include:

• Hot shotters
• Food trucks
• Dump trucks
• Box trucks
• Car carriers 
• Log trucks

Basic truck coverage starts around $125 per month, though this will vary based on the truck type, mileage/travel radius, location, coverage limits, and other personal factors.

Most quotes are offered instantly, and policies can be purchased in just a few minutes online (with immediate proof of insurance available via email). However, more information may be needed from some drivers in order to provide a quote, and the process can take up to two business days.

CoverWallet currently holds a customer satisfaction rating of 4.7 out of 5 stars through eKomi, with more than 645 reviews.

Whether you’re looking to insure a single commercial truck or an entire fleet, State Farm is our recommendation if you’re looking for the best customer service experience. They earned the second spot for overall customer satisfaction in the 2022 J.D. Power U.S. Small Commercial Insurance Study and received fewer consumer complaints than expected for its market share in 2022, according to the NAIC.

Through State Farm, customers can purchase commercial truck insurance for single or fleet pickup trucks, box trucks, tractor-trailers, and more. The company offers liability, collision, comprehensive, personal injury protection (PIP), medical payments, and uninsured/underinsured motorist coverage.

Commercial truck insurance is available in all 50 states. Limited information is offered on State Farm’s website, and there are no online quotes; instead, you’ll need to work with a local agent to get additional info to build and buy your policy.

State Farm currently boasts an A++ (Superior) financial strength rating through AM Best, the highest possible.

To learn more information about this carrier, check out our full State Farm Auto Insurance Review.