Commercial truck insurance provides coverage for vehicles used by businesses. These could be vehicles purchased for sole use of the business itself, or personal vehicles used for business purposes. Commercial truck insurance operates similarly to personal auto insurance, covering collision, property damage, medical payments, and other costs that could result either from driving mistakes or damages caused by sources outside one’s control. Personal insurance however, cannot usually be used for vehicles that are driven for business purposes. This is where commercial insurance steps in, since it can cover vehicles that regular auto insurance would not.

Any company that employs vehicles in order to provide their services should consider buying sufficient commercial vehicle insurance. Being properly insured should a vehicle be involved in a traffic accident, or suffer any other kind of damage, could spell the difference between continued operation and disaster, particularly for small businesses. Instead of having to pay out-of-pocket, businesses can rest easy knowing all manner of their vehicles are insured when they find themselves in such a situation.

When comparing companies, the two most important things to look for are coverage options and rate discounts. Commercial truck insurance can cover just about any type of vehicle as long as its use is purely business-related. This means anything from cars, SUVs, and vans; to dump trucks, tractor trailers, and buses can be covered by commercial truck insurance. Commercial truck insurance typically includes but is not limited to coverage for bodily injuries, property damage, legal fees, and collision. However, many insurance companies also offer a number of additional coverage options such as roadside assistance and rental reimbursement. In addition to coverage options, insurance companies can provide a great deal of discounts to lower a customer’s rates. Among these discounts are those that have to do with the policies themselves—discounts for paying in-full, combining policies, having insurance with the same company for more than a year—and those that cater to responsible business-owners—hiring licensed commercial drivers, making sure they are doing a good job, being in-business for more than three years, etc.

The most important thing to watch out for when looking for commercial truck insurance are fake deals and fraudulent companies. Extremely cheap offers are often advertised by these companies to draw in consumers. They then deny customers service and avoid further communication. This is why researching each company’s financial strength and customer feedback is important before making any weighty financial decision regarding insurance. It is essential to steer clear from questionable insurance companies who withhold information from consumers.

Top 10 Companies

9.9 / 10
  • Request an online quote
  • Expansive list of covered vehicles to meet business need
  • Flexible coverage and payment options
  • Specialized heavy truck claim service
  • Discounts and professional support
9.8 / 10
  • Get online quotes
  • Competitive rates
  • Discounts for better savings
  • Rated A+ by the BBB
  • Comprehensive physical damage coverage
9.5 / 10
  • Partners with Commercial Insurance.NET
  • Commercial vehicle quotes from top providers
  • Maximum flexibility
  • Esurance, Travelers, Hartford, and more
  • Widest range of discount options
9.2 / 10
  • Get an online quote fast
  • Very strong financially
  • Over 19,000 independent agents ready to help you
  • Process claims through local agents 
  • Employers non-owned car liability coverage
9.1 / 10
  • Extensive coverage for commercial vehicles
  • Quick and personalized insurance quote
  • Check claims anytime on mobile app
  • Better, safer driving earns you reward points
  • Spend reward points on gift cards, travel, merchandise, and more
9.0 / 10
  • Affordable rates
  • Apply for several discounts
  • Choose from many coverage options
  • Talk with a Titan insurance agent or broker
9.0 / 10
  • Fortune 100 company
  • Discounts for multiple policies, long-time policyholders, and more
  • Written guarantee on repairs
  • Choice of qualified repair shops
  • Renowned claims service
  • Flexible billing options
9.0 / 10
  • Online quotes
  • Rated A+ by the BBB
  • Subsidiary truck insurance exchange
  • Solely dedicated to commercial truck insurance
  • Specialized coverage for food trucks
  • Comprehensive physical damage coverage
  • Cover damage caused by spillage of fuels or lubricants.
8.9 / 10
  • Only property casualty company in the Dow Jones Industrial Average
  • Commercial truck insurance plans for different types of businesses
  • Insurance for automobiles in the public sector
  • Cover small and large truck fleets
  • Promote safe driving practices
  • A+ rating with the BBB
8.7 / 10
  • Comprehensive coverage customized for commercial trucking
  • Fleet Ahead program to monitor and improve drivers' performance
  • Accident and fender-bender forgiveness for fleets less than 25
  • Wide variety of payment plans
  • Coverage options for over 150 countries


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How We Compare Commercial Truck Insurance

Coverage Options


Coverage for commercial vehicles is in some ways like traditional personal auto insurance and in some ways not. Speaking broadly, coverage includes property damage and liability. Qualifying vehicles include those that are dedicated to the business (purchased and used only for business-specific purposes like a UPS truck), and private vehicles that are being used to conduct business during business hours (traveling salesman or pizza delivery). As mentioned above, it is essential to have commercial insurance as your personal insurance will not cover the vehicle if it is being used in a business capacity. Coverage options are as varied as the types of businesses themselves. While the most common use most people might think of is group coverage for a fleet of business vehicles, like for an electric company or mover, commercial vehicle insurance also applies to things like snow plows, limousines, and buses. Coverage requirements can vary by state, and terms and options change from carrier to carrier. The best option is to consult thoroughly with an agent to customize policies to your individual business needs. 

Basic Coverage

Basic coverage options for commercial vehicle insurance are more or less the same as personal auto or truck insurance, though deductibles and payout maximums can be considerably different depending on the use and size of the commercial vehicles you want to insure. These can include:

Liability - this includes bodily injury which covers injuries to other parties you or your employee causes with the vehicle, and property damage, which pays to replace or repair another party's property should you or your employee be at fault.
Uninsured/Underinsured Motorist - This pays for costs associated with injuries or property damage should you or your employee be hit by a driver with no or insufficient insurance.
Medical Payments
Collision - This pays for damage to your vehicle in any accident regardless of fault
Comprehensive - Covers damage not caused by a collision, i.e. theft, vandalism, tree falls on it.

Additional Coverage

There are a myriad additional coverage options that vary by provider and their specific area of specialty. Some common additional coverage features for commercial vehicles include:

Non-Owned Vehicle - When an employee uses a rented or borrowed vehicle.
Loading and Unloading - Liability should people be injured or cargo/property damaged while loading or unloading vehicle cargo.
Towing and Labor costs
Individual Named Insured Endorsement - When a commercially insured vehicle is used for non business purposes.

Truck-Specific Coverage

A large portion of the commercial vehicle insurance sector is geared toward insuring trucks. Some truck-specific coverage includes:

Motor Truck General Liability
Trailer Interchange
Motor Truck Cargo
On-Hook Towing Insurance
Non-Trucking Liability

Types of Vehicles Covered

So many vehicles can be classified as commercial depending on the business. Types of vehicles covered will depend on the carrier chosen. A basic list can include:
Pickup Trucks
Utility Vans
Bucket Trucks
Catering Trucks
Refrigerator Trucks
Dump Trucks

Conversely, many types of vehicles cannot be covered under commercial policies depending on the company. Some of these might include military vehicles, older vehicles, emergency vehicles, golf carts, etc.

Pricing & Discounts


There are so many variables at play when getting a quote for commercial vehicle insurance that it makes it difficult to judge a given company's pricing structure with any degree of accuracy. Premiums and deductibles will vary by company and depend on many options, including location, type of territory (urban, rural, mountainous, etc.) type of business, type of vehicle(s), size of fleet, and radius of use. Truly the only was to get an accurate quote is to deal directly with the carrier's agent and supply them with all of this information. However, some companies offer a robust online quote process so customers can at least get a ballpark idea of the kind of cost they are going to be dealing with. 


Commercial vehicle insurers offer discounts specific to the market sector, different in many cases from personal auto or truck insurance. Some of these can include:

Package or Multi-Policy Discounts
Commercial Drivers License (CDL) Discount - If you have a fleet with commercially licensed drivers you can qualify for substantial discounts.
Time in Business Discount
Good Driver Discounts - Many insurers offer devices that can be installed directly inside the vehicle that monitor driving habits, giving company discounts for a pattern of good accelerating, turning, breaking, etc.
Loyalty Discount
Paid-in-Full Discount

Financial Strength


Your commercial vehicle insurance company's financial strength is important because it provides a good measure for determining whether they'll be able to meet their obligations on your policy. A company’s financial ratings not only reflect their resources and history, but are also a testament to their sound business policies. There are a number of industry-trusted sources that offer independent reviews or ratings for insurance companies, including A.M. Best and Standard & Poor's, both of whom offer financial ratings and issuer strength ratings. Some of the factors that these rating companies take into account include the type of company (whether they underwrite their own policies, function as subsidiaries to other underwriters, or are simply a marketplace that offers quotes from various entities).

Company Type

We classify life insurance providers into three categories.

Underwriter: an insurance company that underwrites its own policies.
Subsidiary or Partner: a company either owned by an underwriter or who has partnered with a single underwriter for all of its policies.
Marketplace: a company that offers consumers quotes across multiple underwriters.

Customer Experience


To judge a given company's reputation with its customers, we've looked at several sources of information. The National Association of Insurance Commissioners (NAIC) is a national, non-profit regulatory association that includes the top regulators in each state, Washington D.C., and all US territories. The purpose of the organization is to oversee insurance practices on a state by state basis, establish and enforce regulations and best practices, and conduct peer review. Each year the NAIC collects tens of thousands of complaints related to the insurance industry. These are broken up according to the type of insurance sector: life, accident, health, property, and casualty. The organization then issues a weighted complaint score for each company that is based on their U.S. Market Share of closed complaints compared to the company's U.S. Market Share of premiums for a specific policy type.

Additionally, we looked at the company's BBB grade, as well as the ratio of positive to negative reviews. We rounded out the evaluation with the company's Trustpilot score. 

NAICS Complaint Ratio 2017

This is a ratio of the number of complaints a company received to its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

BBB Rating

The Better Business Bureau is a nonprofit organization offering verified, unbiased information on more than 30 million North American companies and their business practices. Their goal is to set the foundation for marketplace trust by enforcing ethical standards of business behavior and monitoring compliance among their member companies. The BBB is an essential resource for consumers wanting to determine a business' reputability. Although not all companies are registered with the BBB, participating members demonstrate a greater commitment to developing business acumen and enhancing customer satisfaction.

Trust Pilot Rating

Trustpilot is an online review community offering overall customer satisfaction ratings for over 179,000 businesses as well as access to customer-provided feedback on verified orders for their products and services. Just as with the BBB, not all businesses are registered with Trustpilot, yet participating companies—especially those who actively engage with their clients—can be assumed to be more concerned about their customers' experience and satisfaction than those who fail to establish an online presence.

What's important to know about Commercial Truck Insurance?

Who needs commercial vehicle insurance?

As a general rule of thumb, if you use your vehicle primarily for businesses purposes (not including commuting to and from work); or operate a business where you utilize trucks, vans, or any other vehicles used to transport people, goods, or hazardous materials, you are going to need the specialized protection of commercial vehicle insurance.

What qualifies as a commercial vehicle?

There are many factors that can place a vehicle in the commercial category. A vehicle definitely qualifies as commercial if it is:

-Registered to a company
-Over a certain weight, for example, trucks that weigh over 26,000 (or over 10,000, if they are used to drive across state lines)
-Used to transport hazardous materials
-Designed to carry 15 or more passengers
-Used as a taxi or Uber (or any other business that transports passengers)
-Used as a tow truck for hire
-Used for delivery of supplies or information (as is the case with messengers)
-Outfitted with features to transport equipment essential to a business, such as housekeeping or landscaping equipment
-Driven by employees of the registered owner and/or mostly used to visit clients and job sites.

How much does commercial vehicle insurance cost?

Much like personal auto insurance, the cost of commercial vehicle insurance depends on many factors. Policy cost will vary according to your location, the type of business the vehicle will be used for, the materials it will be transporting, vehicle weight, mileage, and age and driving history of drivers that will be using it, among other factors. Many insurers will provide multi-policy and loyalty discounts, as well as lower prices for experienced drivers with clean driving histories.

Do I need commercial vehicle coverage if I’m using my own car for business?

If you use your car primarily to see clients or visit job sites (and not only for commuting to and from work), or if you’re using it to transport people, goods, and supplies for business purposes, you probably need commercial insurance, even if it is your own vehicle.

Should I get commercial vehicle insurance if self-employed?

When you’re self-employed, the decision to get commercial insurance depends on the type of work you do. If your work involves routinely transporting goods, supplies or people by car, or if your vehicle is outfitted with special equipment you need for your business, you need commercial insurance. You should also look into it if the car is registered to a company or if you primarily use the car to visit clients and job sites. If you work from home and mostly use your vehicle for personal purposes, then personal insurance might be enough to cover you. As always, when in doubt, make sure to speak to an insurance agent about your particular circumstances.