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Get an accurate commercial truck insurance estimate in under 2 minutes. From owner-operators to multi-vehicle fleets — we cover semi trucks, dump trucks, flatbeds, tankers, and more.
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Clicking "Get Quote" takes you to the carrier's official website. Rates shown are market estimates for illustration. Affiliate links help keep this tool free.
Top Commercial Truck Insurance Carriers
Compare rates from the most trusted carriers in commercial trucking. Get a free quote directly — no broker fees required.
| Carrier | Best For | Rate Range / Truck / Year | Rating | |
|---|---|---|---|---|
| Progressive Commercial Most Popular | Owner-operators, new DOT authority | $5,500 – $14,000 | ★★★★★ 4.8 | Get Quote → |
| Cover Whale | Digital-first, fast approval, all CDL classes | $6,000 – $15,500 | ★★★★☆ 4.6 | Get Quote → |
| Simply Business | Compare multiple carriers instantly | $4,500 – $12,000 | ★★★★☆ 4.5 | Get Quote → |
| Sentry Insurance | Medium to large fleets (5+ trucks) | $6,800 – $15,500 | ★★★★☆ 4.5 | Get Quote → |
| Next Insurance | Box trucks & light commercial vehicles | $3,500 – $11,000 | ★★★★☆ 4.4 | Get Quote → |
Rate ranges are market estimates for illustration. Clicking "Get Quote" connects you to the carrier's official website. Affiliate links help support this free tool.
Insurance by Truck Type
Every truck type has different coverage needs and rate factors. Find rates specific to your vehicle.
Commercial Truck Insurance — Frequently Asked Questions
Everything owner-operators and fleet managers need to know about commercial trucking insurance costs and coverage.
How much does commercial truck insurance cost?
Commercial truck insurance typically costs between $8,000 and $20,000 per year per truck. Semis and tankers run higher; box trucks and pickups run lower. Key factors: cargo type, operating radius, driver experience, and claims history.
What is the FMCSA minimum liability for trucks?
The FMCSA requires a minimum of $750,000 in primary liability for most interstate commercial carriers. Hazmat carriers may need up to $5,000,000. The industry standard recommended coverage is $1,000,000.
What coverages do owner-operators need?
Owner-operators typically need Primary Auto Liability (federally required), Motor Truck Cargo insurance, Physical Damage coverage for the truck itself, and sometimes Non-Trucking Liability for personal use. General Liability covers loading/unloading incidents.
How can I lower my truck insurance premium?
The biggest savings: hire experienced CDL drivers (5+ years), install ELD devices and dashcams (5–15% discount), bundle fleets of 5+ trucks (12–22% off), maintain clean DAC & MVR records, and raise your deductible to $2,500.
Does cargo type affect my insurance rate?
Yes, significantly. Hazardous materials carriers pay up to 2x the base rate. Auto transport and liquid tankers also carry higher premiums. General freight and empty-mile operations are the least expensive cargo classifications.
What is Motor Truck Cargo insurance?
Motor Truck Cargo insurance covers the freight you're hauling if it's damaged, lost, or stolen during transit. Limits typically range from $100,000 to $250,000+. Most shippers and brokers require it before assigning loads.