Best Auto Insurance Companies That Offer Auto and Trucking Insurance (2021)

There are several major auto insurance companies that offer auto and trucking insurance. You'll need both a commercial and a personal policy to cover both of your vehicles. Most major insurers do not bundle commercial and private insurance nor do they provide a discount for having both.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 14, 2021

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Things to Remember

  • Most major insurance companies do not bundle personal and commercial insurance policies
  • State Farm, Travelers, and Progressive are three auto insurance companies that offer auto and trucking insurance
  • Some commercial trucking insurance companies also offer personal auto insurance

If you drive a truck for work and also have a personal vehicle, you’ll legally need coverage for both. But, first, you’ll need to find an auto insurance company that offers auto and trucking insurance.

We’ll tell you which companies offer both. Then, we’ll go over rates from companies that provide auto and trucking insurance.

Lastly, we’ll see how these companies are rated. By the end, you’ll be choosing the right auto insurance company to meet your needs.

Before learning how to buy from auto insurance companies that offer auto and trucking insurance, type your ZIP code into our free and helpful tool above. With it, you’ll find affordable auto and trucking insurance rates in your area.

Which companies offer auto and trucking insurance?

What are some major commercial trucking insurance companies? There are quite a few:

  • Markel
  • Arch
  • Acuity
  • Tokio Marine
  • National General
  • Scottsdale Brokerage
  • National Casualty / Nationwide
  • Northland

Do any of these offer auto insurance? Yes, but with a catch. Northland Insurance, for instance, does not offer personal auto insurance policies. They do, however, offer commercial auto insurance policies.

A company like Acuity, meanwhile, offers both personal and commercial policies. Tokio Marine is another company like this. Hence, they provide individual auto insurance policies and homeowners insurance.

Finding the right company is important, but what is a good commercial auto insurance company?

First, let’s look at a table that shows the top 10 commercial auto insurance companies.

Top 10 Commercial Auto Insurance Companies by Direct Premiums Written
NAIC RankCompaniesDirect Premiums WrittenDirect Premiums Earned
1stProgressive$4,405,316,000$3,946,586,000
2ndTravelers$2,547,316,000$2,417,655,000
3rdLiberty$1,778,337,000$1,762,369,000
4thNationwide$1,634,228,000$1,646,188,000
5thBerkshire Hathaway$1,514,213,000$1,350,691,000
6thOld Republic$1,439,949,000$1,379,826,000
7thZurich$1,370,440,000$1,573,934,000
8thAuto Owners$994,866,000$929,827,000
9thTokio Marine Holdings$763,161,000$733,634,000
10thChubb Ltd.$734,860,000$707,447,000
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What are some major auto insurance companies that also serve as commercial trucking insurance companies? Travelers, Progressive, and State Farm are three significant examples.

There are also companies that don’t offer auto and trucking insurance? Consequently, it’s essential to take even more care in comparing rates.

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Rates from Auto Insurance Companies That Offer Auto and Trucking Insurance

It’s important to realize that a commercial policy is more expensive than a personal one. The increased rates reflect the higher risk the insurer is taking.

Why?

Because claims involving business vehicles tend to be far more costly.

But what can you expect to pay for your personal policy? First, let’s look at State Farm’s rates organized by state.

State Farm Rates by State
State Annual PremiumHigher/Lower
than State Average
Percent Higher/Lower
than State Average
Alabama$4,798.15$1,231.1934.52%
Alaska$2,228.12-$1,193.39-34.88%
Arizona$4,756.25$985.2826.13%
Arkansas$2,789.03-$1,335.95-32.39%
California$4,202.28$513.3513.92%
Colorado$3,270.77-$605.63-15.62%
Connecticut$2,976.24-$1,642.68-35.56%
Delaware$4,466.85-$1,519.48-25.38%
District of Columbia$4,074.05-$365.20-8.23%
Florida$3,397.67-$1,282.79-27.41%
Georgia$3,384.88-$1,581.95-31.85%
Hawaii$1,040.28-$1,515.36-59.29%
Idaho$1,867.96-$1,111.13-37.30%
Illinois$2,344.88-$960.60-29.06%
Indiana$2,408.94-$1,006.03-29.46%
Iowa$2,224.51-$756.77-25.38%
Kansas$2,720.00-$559.62-17.06%
Kentucky$3,354.32-$1,841.09-35.44%
Louisiana$4,579.12-$1,132.22-19.82%
Maine$2,198.68-$754.60-25.55%
Maryland$3,960.87-$621.83-13.57%
Massachusetts$1,361.86-$1,316.99-49.16%
Median$2,731.48-$929.41-25.39%
Michigan$12,565.52$2,066.8819.69%
Minnesota$2,066.99-$2,336.27-53.06%
Mississippi$2,980.48-$684.09-18.67%
Missouri$2,692.91-$636.03-19.11%
Montana$2,417.74-$803.11-24.93%
Nebraska$2,438.71-$844.97-25.73%
Nevada$5,796.34$934.6419.22%
New Hampshire$2,185.46-$966.32-30.66%
New Jersey$7,527.16$2,011.9436.48%
New Mexico$2,340.66-$1,122.98-32.42%
New York$4,484.58$194.704.54%
North Carolina$3,078.65-$314.46-9.27%
North Dakota$2,560.53-$1,605.32-38.54%
Ohio$2,507.88-$201.84-7.45%
Oklahoma$2,816.80-$1,325.53-32.00%
Oregon$2,731.48-$736.29-21.23%
Pennsylvania$2,744.23-$1,290.27-31.98%
Rhode Island$2,406.51-$2,596.85-51.90%
South Carolina$3,071.34-$709.80-18.77%
South Dakota$2,306.23-$1,676.05-42.09%
Tennessee$2,639.30-$1,021.59-27.91%
Texas$2,879.94-$1,163.34-28.77%
Utah$4,645.83$1,033.9428.63%
Vermont$4,382.84$1,148.7135.52%
Virginia$2,268.95-$88.92-3.77%
Washington$2,499.78-$559.55-18.29%
West Virginia$2,126.32-$469.04-18.07%
Wisconsin$2,387.53-$1,218.53-33.79%
Wyoming$2,303.55-$896.53-28.02%

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As you can see, State Farm rates tend to be lower than a states’ average rates. It’s a good start, but how can you save even more? In short, discounts.

Insurers (especially big ones like State Farm) offer a wide selection of discounts. One significant discount frequently seen with big companies is policy bundling. This is where trucking insurance comes in.

Not every insurer will bundle a commercial policy and a personal one. Travelers, for instance, only advertise bundling home and auto.

State Farm is the same way. They allow policy bundling, but this does not include commercial coverage. Let’s take a look at some discounts offered that you can take advantage of.

Available State Farm Discounts
DiscountAmount
Anti-lock Brakes5%
Anti-Theft15%
Claim Free15%
Defensive Driver5%
Distant Studentspeak with your agent to learn more
Driver's Ed15%
Driving Device/App50%
Good Creditspeak with your agent to learn more
Good Student25%
Homeowner3%
Low Mileage30%
Marriedspeak with your agent to learn more
Militaryspeak with your agent to learn more
Multiple Policies17%
Multiple Vehicles20%
Newer Vehicle40%
Paperless/Auto Billing$2
Passive Restraint40%
Safe Driver15%
Vehicle Recovery5%
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As you can see, State Farm offers many more discounts than policy bundling. Again, this is why it could be beneficial to go with a major insurer.

How are the companies that offer commercial trucking and personal auto insurance rated?

If you are trying to find out which company can meet your needs, A.M. Best is a great organization to consult. They determine a company’s financial strength now and into the future.

A.M. Best Ratings for Auto Insurance Companies
Insurance CompaniesA.M. Best Rating
Allstate InsuranceA+
Auto Club EnterprisesA-
Berkshire HathawayA++
CSAA InsuranceA
Farmers InsuranceA
Liberty MutualA
Mercury GeneralA+
ProgressiveA+
State FarmA++
United ServicesA++
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As you can see, Progressive and State Farm are amongst A.M. Best’s highest-rated insurers. State Farm even has its highest rating of “A++.”

In short, you have options when it comes to companies that offer auto and trucking insurance. Type your ZIP code into our free tool below to find affordable quotes from auto insurance companies that provide auto and trucking insurance.

Frequently Asked Questions: Companies That Offer Auto and Trucking Insurance

What follows are two questions commonly asked about the topic.

#1 – Can I get no down payment commercial truck insurance?

Rarely, but Premier Truck Group is one company that offers coverage with no down payment.

#2 – What are the worst trucking insurance companies?

Most trucking threads have users who say that it all depends on the your state. It’s important to remember how companies can operate differently in different locations and to try and find reviews from customers in your state.

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