8 Best Commercial Truck Insurance Companies (2026)

Progressive, Geico, and Nationwide are the best commercial truck insurance companies because they offer excellent risk mitigation services, fleet management tools, and competitive rates.

The amount you’ll pay for commercial truck insurance depends on several factors, including how many vehicles you own and what industry you work in. Just like policies for personal use, you can save on your commercial truck insurance by qualifying for discounts and enrolling in a telematics program.

Our Top 8 Picks: Best Commercial Truck Insurance Companies

Read on to learn when you need business auto insurance for your vehicles and which companies offer your business the best coverage. You can also enter your ZIP code above to compare quotes from the top providers for commercial trucks.

#1 – Progressive: Top Pick Overall

Pros

• Customizable coverage: Aside from the basic types of insurance, Progressive offers a variety of coverage options. These include heavy truck roadside assistance, motor truck cargo, and non-trucking liability.
• 24/7 customer service: A Progressive insurance representative is available whenever you need help with your policy, no matter what time of day.
• Robust online tools: Progressive makes it easy to manage your policy online. The easiest way to manage Progressive commercial truck insurance plans is through the website.
• Discount availability: There are several discounts available for commercial trucking insurance, particularly if you decide to enroll in the Snapshot ProView or Smart Haul programs. Explore your discount options in our review of Progressive insurance.

Cons

• Rates aren’t the cheapest: Progressive offers excellent auto insurance options, but it’s not always the cheapest provider on the market.
• Long-term rate increases: Many customers report that their Progressive commercial policies rates increase over time.

#2 – Geico: Cheapest Commercial Truck Insurance

Pros

• Cheapest commercial rates: Geico is known for offering cheap auto insurance and that includes commercial plans. This company is usually one of the cheapest options for commercial truck insurance.
• Financial stability: Best rates companies on their financial strength, which is an important indication of how well a company can pay claims. Geico has an A++ rating, meaning you won’t have to worry about future claims.
• Excellent customer service: Geico ensures all its commercial policyholders get the help they need when they need it by providing top-notch customer service. Read what customers have to say about their experience in our Geico auto insurance review.

Cons

• Limited insurance options: While Geico can cover most needs, it lacks the diversity some of its competitors offer. For example, Geico does not currently cover semi-trucks.
• Discount availability varies: Geico offers several ways to save, but some discounts might not be available in your state.

#3 – Nationwide: Best for Fleet Management

Pros

• Fleet management tools: Nationwide makes it easy to insure a fleet of trucks, no matter how large.
• Vantage 360 Fleet: Save up to 10% on your Nationwide commercial truck insurance by signing up for Vantage 360 Fleet. Vantage 360 is a type of usage-based car insurance program that tracks driving behavior to help you save.
• Claims satisfaction: Nationwide offers one of the best ratings for claims satisfaction, especially among its small business owner customers.
• Coverage options: Extend your coverage beyond the basics with add-ons like medical payments for your drivers and new vehicle replacement cost coverage. Nationwide has one of the best roadside assistance plans for commercial vehicles.

Cons

• Limited coverage availability: Although Nationwide has excellent add-on options, availability varies by state. You’ll need to speak with a representative to see what you can purchase.
• Higher rates: If you’re looking for cheap commercial truck insurance quotes, you’ll likely find lower rates with other companies. See more rate data in our Nationwide auto insurance review.

#4 – Travelers: Best for Multiple Vehicle Types

Pros

• Fleet management: Travelers makes it easy to insure vehicles of multiple sizes on the same policy.
• Dedicated claims service: Travelers representatives are ready to help with claims and any other concerns you might run into. Learn how Travelers’ claims process works in our Travelers company review.
• Specialized coverage: While you can buy standard coverage options from Travelers, the company also offers specialized options for specific industries. For example, Travelers offers special protection for vehicles working in oil and gas.

Cons

• No online quotes: Business owners looking for commercial auto coverage from Travelers must speak with an agent either in person or over the phone.
• Limited discounts for small businesses: Owners with large fleets might find plenty of discounts, but Travelers offers a smaller selection for small business owners.

#5 – AIG: Best for International Companies

Pros

• Global capabilities: AIG offers insurance support and solutions for large companies, no matter how many borders you cross doing business. See more details in our AIG company review.
• Risk consulting services: Take advantage of AIG’s risk management services, which help with things like employee training and DOT compliance.
• Specialized claims resolution: Aside from the standard claims process, AIG also helps with environmental concerns in cases of serious incidents.

Cons

• Higher rates for small businesses: AIG offers excellent coverage, but it’s a better option for large companies. Smaller businesses will find more affordable coverage elsewhere.
• Eligibility requirements: To take advantage of AIG’s fleet services, you need at least 11 trucks in your fleet.

#6 – State Farm: Best for Personalized Service

Pros

• Extensive network of agents: State Farm is well-known for its extensive network of agents, which applies to its commercial auto insurance policies.
• Solid customer satisfaction: While it has some negative reviews, State Farm commercial truck insurance ratings are generally positive. See the reviews and rankings in our full State Farm Auto Insurance Review.
• Extended coverage: When it comes to commercial truck insurance, State Farm sells policies in all 50 states.

Cons

• No online quotes: If you want to purchase a State Farm truck insurance policy, you’ll need to work with an agent. Currently, State Farm does not offer online quotes.
• Higher rates for some drivers: State Farm is usually affordable, but it’s rarely the cheapest option. Drivers with speeding tickets or at-fault accidents will see much higher rates.

#7 – Liberty Mutual: Best for Comprehensive Coverage

Pros

• Specialized claims service: All insurance companies work hard to resolve claims, but Liberty Mutual promises the fastest service possible so your business spends as little downtime as possible.
• Fleet management: Liberty Mutual offers tools to help you improve the safety of your fleet, including the use of telematics while your drivers are working.
• Commercial policy package: If you need more than commercial auto insurance to protect your business, Liberty Mutual offers a variety of coverages in one convenient package. You can learn more about Liberty Mutual’s insurance options in our complete guide: Liberty Mutual Auto Insurance Review.

Cons

• No online quotes: You’ll need to speak with a representative to get a Liberty Mutual commercial auto quote.
• Limited online tools: Liberty Mutual lacks the online tools of many of its competitors. While Liberty Mutual promises a quick resolution to any claim you need to file, you must speak with a representative to start one.

#8 – Farmers Insurance: Best for Contractors

Pros

• Specialized coverage: Farmers Insurance offers a wide selection of coverage options beyond standard insurance policies, including coverage for contractor tools and food trucks. Take a look at our Farmers insurance company review to learn more.
• Small business friendly: Many commercial auto insurance providers are geared more toward large fleets, but Farmers offers affordable rates and diverse coverage options for businesses both large and small.
• Safety discounts: Farmers Insurance offers several ways to keep your rates down, including savings for enrolling your fleet in a telematics program.

Cons

• Complex policies: Farmers’ policies can be confusing, especially if you want to cover multiple aspects of your business under the same plan. Because of this, you’ll need to work with a Farmers representative to sign up for a policy.
• Higher rates: While Farmers Insurance rates aren’t the most on the market, they’re also not the cheapest.

Commercial Auto Insurance Rates

Whether you buy personal or commercial coverage, there are many factors that affect your auto insurance rates. Many of these factors are the same, like needing high-risk auto insurance or having a low credit score. Others are unique to commercial auto insurance, particularly the size of your fleet.

Take a look below for the average monthly cost to insure each truck in your fleet.

Commercial Auto Insurance: Monthly Rates by Fleet Size

Some companies offer a discount the larger your fleet is, while others won’t cover more than a set number of trucks. This is one reason why finding online commercial auto insurance quotes can be so difficult. Crafting commercial policies to fit your exact needs takes work, and speaking with a representative ensures your trucks are protected.

Commercial Trucking Insurance Companies

Commercial coverage includes many types of auto insurance that can be purchased for cars, vans, pickup trucks, and more. Coverage typically includes liability, bodily injury, property damage, uninsured motorist, medical payments, collision, and comprehensive.

You can also purchase coverage specifically designed for business vehicles, like general liability auto insurance.

However, commercial trucking insurance can fall into multiple types and options. Insurance policies might cover specific vehicles, like cement mixers or street sweeper trucks, utility vans, or dump trucks.

Progressive, Geico, and Nationwide are some of the best insurance companies for commercial vehicles. Each brand is offered in all 50 states with a variety of coverage options.

A policyholder can get the most from commercial trucking insurance with Progressive. Progressive offers the most specific types of plans such as coverage for:

• Tractors
• Pickup trucks
• Tow trucks
• Box trucks
• Dump/garbage trucks
• Agricultural trucks
• Bucket trucks
• Car carriers or rollbacks
• Catering trucks
• Cement mixers
• Delivery vans
• Flatbed trucks
• Front-loaders
• Ice cream trucks
• Pump trucks
• Refrigerated trucks
• Roll-on vehicles
• Stake body trucks
• Step vans
• Street sweepers
• Tank trucks

In contrast, State Farm offers commercial trucking insurance for pickup trucks, utility vans, bucket trucks, catering trucks, refrigerator trucks, and dump trucks.

Geico commercial truck insurance can boast the same offerings as State Farm with some noticeable additions: service utility trucks and food trucks.

Nationwide offers standard commercial trucking options but can provide policyholders with incentives and advantages in other areas.

Best Trucking Insurance Companies

The “best” is often associated with incentives. No down payment commercial truck insurance is a great incentive for those looking for this type of coverage.

Commercial trucking insurers may also offer low down payments, auto insurance discounts, and cheap commercial truck insurance.

Finding who has the best commercial trucking insurance depends on what incentives and needs are most important to you.

For instance, Progressive offers complete protection for your business, including cyber protection and worker’s compensation, along with standard commercial insurance coverage.

State Farm offers a wide range of customizable commercial trucking insurance options that you can choose from. Progressive, Nationwide, and Geico offer an array of commercial business options.

However, Geico doesn’t offer insurance options for semi-trucks and tractor-trailers.

Commercial Truck Auto Insurance Monthly Rates by Coverage Level & Provider

Best Commercial Auto Insurance Policies

Progressive, Nationwide, State Farm, and Geico are all affordable auto insurance companies that offer car and commercial trucking insurance quotes.

To get started with a commercial auto insurance quote, you’ll likely need to click on the additional products section for most companies.

All offer standard auto insurance coverage options, such as comprehensive and liability, which can be converted to commercial insurance as well.

The best commercial trucking insurance company ultimately comes down to your particular needs. But some auto insurance companies that offer car and commercial trucking insurance rates do stand out in the crowd.

For instance, Progressive offers a wider range of commercial trucking insurance than its counterparts.

In contrast, State Farm can provide customizable coverage options that set it apart from competitors.

Geico is noted as having some of the lowest auto insurance quotes, even for high-risk drivers.

Each auto insurance company will have pros and cons. You have to decide which options match your needs best.

Enter your ZIP code below to see quotes from auto insurance companies that offer car and commercial trucking insurance in your area.