The trucking industry is the backbone of America’s logistics system. From transporting goods across states to delivering essentials locally, truck drivers keep the economy moving. But with long hours on the road and valuable cargo, having reliable commercial truck insurance is not optional — it’s essential.
In this detailed guide, we explore the best commercial truck insurance companies in the USA, their coverage options, costs, and what makes them stand out in 2025.
What Is Commercial Truck Insurance?
Commercial truck insurance is a specialized type of vehicle coverage designed for trucks used in business operations. It protects drivers, owners, and companies from financial losses caused by accidents, injuries, or damage to property and cargo.
Whether you own a single truck or manage a fleet, commercial truck insurance ensures compliance with FMCSA (Federal Motor Carrier Safety Administration) regulations and provides peace of mind on the road.
Why Truck Insurance Is Crucial for Trucking Businesses
| Reason | Description |
|---|---|
| Legal Requirement | Federal law requires minimum liability insurance for commercial trucks. |
| Financial Protection | Covers damages, medical costs, and cargo loss after accidents. |
| Fleet Security | Protects your vehicles, drivers, and company assets. |
| Client Trust | Many shippers and brokers only work with insured carriers. |
| Business Continuity | Prevents financial collapse after unexpected incidents. |
Top Commercial Truck Insurance Companies in the USA (2025)
Here’s a breakdown of the most trusted and comprehensive truck insurance providers in the United States for 2025.
1. Progressive Commercial
Overview:
Progressive is one of the largest and most popular commercial truck insurance providers in the USA. It offers flexible coverage options for owner-operators, fleets, and independent contractors.
Key Features:
- Coverage for tractor-trailers, box trucks, tow trucks, dump trucks, and more
- 24/7 claims support
- Discounts for safe drivers and bundled policies
- Adjustable payment plans
Coverage Options:
- Primary Liability
- Physical Damage
- Motor Truck Cargo
- Non-Trucking Liability (Bobtail)
- Rental Reimbursement
Pros:
✔ Wide network and easy claims process
✔ Affordable for small businesses
✔ Customizable coverage options
Cons:
❌ Rates can vary by state
❌ Limited coverage in remote rural areas
Average Monthly Cost: $650 – $1,200
2. State Farm
Overview:
Known for personalized customer service, State Farm provides truck insurance for both local and long-haul operations. It’s ideal for owner-operators who prefer face-to-face agent support.
Key Features:
- Coverage for semi-trucks, delivery vans, and commercial pickups
- Local agents across all 50 states
- Fleet management support
Coverage Options:
- Liability Insurance
- Comprehensive & Collision
- Uninsured Motorist
- Cargo & Equipment Coverage
Pros:
✔ Personalized service through local agents
✔ Excellent claims satisfaction rating
Cons:
❌ Limited online quote tools
❌ May not be ideal for large national fleets
Average Monthly Cost: $600 – $1,000
3. The Hartford
Overview:
The Hartford specializes in commercial insurance for small to medium-sized trucking businesses. Its policies include flexible add-ons like cargo, trailer interchange, and general liability.
Key Features:
- Great for regional and short-haul truckers
- Excellent reputation for claims handling
- Tailored small business policies
Coverage Options:
- Truck Liability
- Physical Damage
- Non-Trucking Liability
- General Liability
Pros:
✔ Excellent for mixed-use fleets
✔ Strong small-business reputation
Cons:
❌ Limited digital tools for instant quotes
Average Monthly Cost: $700 – $1,300
4. Nationwide
Overview:
Nationwide offers robust commercial vehicle policies with customizable options for businesses of all sizes. Its fleet insurance and accident forgiveness options make it a top choice.
Key Features:
- Multi-policy discounts
- Fleet insurance coverage
- Strong customer service reputation
Coverage Options:
- Liability & Collision
- Medical Payments
- Uninsured/Underinsured Motorist
- Cargo & Towing Coverage
Pros:
✔ Good for large trucking companies
✔ Flexible coverage and easy claims
Cons:
❌ Higher premiums for high-risk areas
Average Monthly Cost: $750 – $1,400
5. Sentry Insurance
Overview:
Sentry has specialized in truck insurance for over 100 years and works directly with truck owners and fleet managers. It’s particularly strong in the long-haul and freight trucking industry.
Key Features:
- Dedicated trucking agents
- Risk management and safety programs
- Excellent claims response
Coverage Options:
- Primary Liability
- Physical Damage
- Cargo
- Workers’ Compensation
Pros:
✔ Industry expertise
✔ Great for long-haul trucking fleets
Cons:
❌ Not available in all states
Average Monthly Cost: $800 – $1,500
6. OOIDA (Owner-Operator Independent Drivers Association)
Overview:
OOIDA offers exclusive insurance programs tailored specifically for independent owner-operators. Their membership-based insurance provides competitive rates and excellent support.
Key Features:
- Customized owner-operator coverage
- Member benefits (fuel discounts, advocacy support)
- Easy claims process
Coverage Options:
- Liability
- Physical Damage
- Bobtail/Non-Trucking Liability
- Cargo Coverage
Pros:
✔ Designed for independent truckers
✔ Membership perks
Cons:
❌ Limited to OOIDA members
Average Monthly Cost: $550 – $950
7. Great West Casualty Company
Overview:
A top-tier insurer dedicated exclusively to the trucking industry. Great West offers comprehensive policies for large fleets and logistics companies.
Key Features:
- Expert underwriting for trucking risks
- Extensive safety programs
- Available nationwide
Coverage Options:
- Liability
- Cargo & Trailer Interchange
- Occupational Accident
- Physical Damage
Pros:
✔ Excellent for large fleets
✔ Trucking-specific claims expertise
Cons:
❌ Premium pricing
Average Monthly Cost: $900 – $1,600
Comparison Table: Best Commercial Truck Insurance Companies (2025)
| Company | Best For | Average Monthly Cost (USD) | Coverage Options | Highlights |
|---|---|---|---|---|
| Progressive Commercial | Small Businesses & Fleets | $650–$1,200 | Full Coverage, Cargo, Liability | Flexible plans, 24/7 claims |
| State Farm | Owner-Operators | $600–$1,000 | Liability, Cargo, Collision | Personalized agent service |
| The Hartford | Small Fleets | $700–$1,300 | Liability, Physical Damage | Small business focus |
| Nationwide | Large Fleets | $750–$1,400 | Cargo, Towing, Collision | Fleet management options |
| Sentry Insurance | Long-Haul Trucking | $800–$1,500 | Liability, Workers’ Comp | Industry expertise |
| OOIDA | Independent Drivers | $550–$950 | Bobtail, Cargo, Liability | Member-exclusive pricing |
| Great West Casualty | Logistics Fleets | $900–$1,600 | Liability, Cargo | Specialized for trucking |
Factors That Affect Truck Insurance Premiums
Truck insurance rates can vary widely depending on several key factors:
| Factor | Impact on Cost |
|---|---|
| Truck Type | Heavier or specialized trucks (e.g., tankers) cost more to insure. |
| Driving Record | Clean records get lower rates; violations increase costs. |
| Cargo Type | High-risk cargo (like hazardous materials) raises premiums. |
| Coverage Limits | Higher coverage equals higher premiums but more protection. |
| Business Location | Urban or high-traffic areas have higher risk. |
| Experience Level | Experienced drivers pay less than new CDL holders. |
Types of Commercial Truck Insurance Coverage
Before choosing a provider, it’s important to understand the different coverage types available:
| Coverage Type | What It Covers |
|---|---|
| Primary Liability | Damage or injury caused to others in an accident |
| Physical Damage | Repairs or replacement of your own truck |
| Motor Truck Cargo | Damage or theft of cargo during transit |
| Bobtail/Non-Trucking Liability | Coverage when driving without a trailer |
| General Liability | Third-party claims outside vehicle operation |
| Workers’ Compensation | Medical costs and lost wages for injured drivers |
How to Choose the Best Truck Insurance Company
When comparing providers, consider these practical tips:
- Check Financial Stability – Choose insurers with strong A.M. Best ratings.
- Ask About Discounts – Multi-truck, safe-driver, and bundled policy discounts can save thousands.
- Compare Quotes – Always get multiple quotes for fair pricing.
- Assess Claim Process – Choose companies with 24/7 claim support and good reviews.
- Review Policy Add-ons – Ensure you have coverage for cargo, downtime, and rental reimbursement.
Average Cost of Commercial Truck Insurance in the USA (2025)
| Truck Type | Average Annual Premium (USD) |
|---|---|
| Box Truck | $4,000 – $8,000 |
| Tow Truck | $6,000 – $12,000 |
| Semi-Truck (Owner-Operator) | $8,000 – $14,000 |
| Dump Truck | $6,000 – $10,000 |
| Cargo Van | $3,000 – $6,000 |
Tip: Paying premiums annually or semi-annually often lowers your total cost.
How to Lower Commercial Truck Insurance Costs
- Maintain a clean driving record.
- Invest in safety training and dash cams.
- Bundle policies (e.g., liability + cargo + equipment).
- Install GPS tracking systems.
- Increase your deductible if financially feasible.
The Future of Truck Insurance in the USA
As technology evolves, the trucking insurance landscape is also transforming. Modern insurers are integrating AI-based risk analysis, telematics, and driver behavior tracking to personalize premiums. Companies embracing these tools may enjoy lower rates and improved safety performance.
Conclusion: Protect Your Business with the Right Insurance Partner
Choosing the right commercial truck insurance company can make or break your trucking business. Whether you’re a single owner-operator or manage a large fleet, having comprehensive and affordable coverage ensures your business stays protected against unexpected challenges.
In 2025, Progressive, State Farm, The Hartford, Nationwide, Sentry, OOIDA, and Great West Casualty lead the U.S. market for their reliability, flexible plans, and customer-first approach.