Commercial truck insurance, like personal auto insurance, can include a mix of liability, collision, and comprehensive coverage. Commercial truck insurance, unlike personal auto insurance, requires larger coverage limits to account for heavier and more valuable vehicles, as well as the cargo they transport.

For the year 2021, the best commercial truck insurance is:

Best Overall: Progressive

Best for Single Trucks: Sentry

Best for Fleets: The Hartford

Best Value: CoverWallet

Best Customer Service: State Farm

Best Overall: Progressive

Progressive is an easy choice for the top overall commercial truck insurance provider because it has the greatest market share among U.S. business insurance carriers, as well as a wide range of trucks insured and many discounts offered.

Pros

• Insurer of choice for commercial vehicles in the United States.
• It’s legal in all 50 states.
• Free state and federal insurance filings are available.
• Discounts of several kinds are available.
• Covers a wide variety of vehicle models.

Cons

• Consumer concerns in the past
• It will be necessary to cooperate with an agency.
• The size of the fleet that can be used is limited.

It is possible that a travel radius will apply.

Progressive is the largest commercial vehicle insurer in the United States, according to the Insurance Information Institute, covering more than 12% of the overall market.

They provide coverage for a variety of vehicles, including box trucks, tow trucks, tractor-trailers, dump trucks, cement trucks, garbage trucks, delivery trucks, and even ice cream trucks, in all 50 states. Even if you’re a single owner-operator, Sentry believes in personalizing the insurance experience by tailoring their commercial vehicle coverage to build just the policy you need. They have a knowledgeable claims team that understands trucking (and the issues and needs that come with it), as well as certified safety directors with more than 20 years of experience in the industry. Sentry is our top option for the best for single trucks because of its degree of experience and specialization, which is especially important for non-fleet business owners.

The Best Option For Fleets

The Hartford 

The Hartford is an easy pick for the finest commercial truck insurance for fleets, with specific programs and rates suited to multi-vehicle organizations.

Pros 

• Fleet-specific discounts, gadgets, and programs
• It’s legal in all 50 states.
• Several gratis services are available.
• For fleets, special risk engineering services are available.

Cons

• There are no quotes available on the internet.
• Customers who own a single vehicle have fewer options.

The Hartford, a company that has been business since 1810, is our top option for the greatest fleet coverage. The Hartford provides business insurance cover to single vehicles and fleets in all 50 states, but it excels at risk mitigation for commercial fleets.

For your commercial fleets, The Hartford offers general liability, property, workers’ compensation, umbrella, and excess liability coverage.

Commercial Truck Insurance Company with the Best Price

CoverWallet

Despite the fact that CoverWallet is an aggregator (rather than an independent insurance company), it can assist commercial truck drivers to get insurance for their cars in minutes online, with basic coverage starting at just $125 per month.

Pros

• Online quotations are accessible right now.
• In only a few minutes, you can purchase an insurance online.
• There are numerous coverage choices available for a wide range of trucks.
• Bad credit/driving record coverage is offered.

Cons 

• It’s an aggregator platform, not a single carrier.

State Farm Has the Best Customer Service

State Farm is our pick for the finest customer service among commercial truck insurance carriers, with top satisfaction ratings and below-average consumer complaints in two of the last three years.

Pros

• High levels of customer satisfaction
• Individual or fleet vehicle coverage
• It’s legal in all 50 states.

Cons

• There isn’t much information online, and there aren’t any quotes.
• Working with an agency is required.

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