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Best Commercial Truck Insurance Companies 2026
These providers have flexible coverage options to meet your needs, whether you’re a for-hire driver or run a fleet.
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There’s no such thing as one-size-fits-all commercial truck insurance. Coverage needs are as unique as the driver inside the rig and the load they’re hauling.
It’s essential to understand what type of commercial insurance coverage you’re required to have — by states, shippers and brokers — and evaluate other coverage needs.
Save up to 30% on business insurance
NerdWallet Small Business helps you get real-time quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.
The best commercial truck insurance providers have flexible, affordable coverage options to meet your needs, whether you’re a for-hire trucker or run a fleet of your own.
To choose the best commercial truck insurance companies, we considered:
Company financial ratings from AM Best, a trusted credit rating agency focused on the insurance industry. We did not consider providers that do not have an AM Best rating for this list.
A wide range of coverages.
Independent customer reviews.
The following are NerdWallet’s picks for best commercial truck insurance.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small-business and personal finance.
Objective, comprehensive small-business insurance ratings based on the financial strength, complaint records, digital features and customer service availability of insurance market leaders. Read our methodology.
NerdWallet's small-business insurance content — including our ratings, reviews and recommendations — is produced by a team of writers and editors who specialize in small-business finances. Their journalism has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage.
Progressive
Best overall commercial truck insurance
Progressive is the largest seller of commercial truck insurance (and auto insurance) in the United States for a reason. It offers customized coverage that fits your situation, whether you’re an owner-operator with authority or operate under a lease.
In addition, Progressive offers several discounts, including those for drivers with a commercial driver’s license, customers who have been in business for more than three years and those who bundle commercial truck insurance with other business coverage or personal auto insurance. Read NerdWallet’s review of Progressive business insurance.
Pros
Insures a wide range of commercial trucks, including tow trucks, tank trucks, flatbeds and refrigerated trucks.
Ability to bundle with other business insurance coverage.
Can get a quote and purchase a policy online.
Cons
Discounts are not available in all states.
National Independent Truckers Insurance Company (NITIC)
Best for owner-operators
NITIC is a smaller insurance company than Progressive, but it has excellent customer reviews and offers several useful policies.
For one, you can buy coverage for 24 to 72 hours for premiums starting at $140. That can protect you while you're driving a truck off the lot or taking it in for repairs. For another, owner-operators who permanently lease to ICC-regulated carriers can get bobtail coverage. This protects you while you're not on dispatch or pulling a loaded trailer. NITIC can help insure your cargo too.
We haven't written a review of NITIC yet.
Pros
Specializes in commercial truck insurance.
Offers tow truck insurance, hazmat truck insurance and short-term insurance, in addition to its more-common coverage types.
Top-rated customer service.
Cons
Lower AM Best rating than competitors, including Progressive and Sentry.
Does not offer coverage in all 50 states.
Sentry
Best for trucking industry affiliations
Sentry insures tens of thousands of truck drivers and is an allied member of several trucking industry groups, including the American Trucking Association.
While Sentry uses independent agents to sell its coverage, only those specializing in trucking handle its commercial truck insurance. Working with an independent agent takes longer than buying coverage online, but it can help ensure that you get answers to all your questions.
We haven't written a review of Sentry business insurance yet.
Pros
In-house claims adjusters who specialize in truck insurance.
Affiliated with trucking industry associations.
Offers coverage in all 50 states.
Cons
Little coverage information available online.
What does commercial truck insurance cover?
In general, trucking insurance covers the same things as commercial auto insurance. This includes medical costs for anyone injured in a crash, legal costs for any related claims and repairs to your vehicle.
Beyond physical damage and liability, common types of commercial truck coverage include:
Non-trucking liability. Covers damages and injuries that occur during non-business use of your truck.
Motor truck cargo. Covers cargo that is stolen or damaged by fire, refrigeration breakdown, collision or another manner. It also covers the removal of debris and pollutants if your cargo spills onto a roadway or into a waterway.
Trailer interchange. Covers physical damage to a trailer you don't own but are pulling under a trailer interchange agreement.
Rental reimbursement. Covers rental costs if you temporarily need to replace your truck due to damage from an accident and require repairs. It may also cover downtime if you can't acquire a rental.
Save up to 30% on business insurance
NerdWallet Small Business helps you get real-time quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.
In 2024, the average monthly cost of commercial truck insurance ranged from $746 for specialty truckers, such as garbage trucks and septic trucks, to $954 for transport truckers hauling general freight, according to Progressive.
Your commercial truck insurance rate will depend on several facts, including:
The truck you drive.
The cargo you transport.
The driving radius you cover.
The state in which you operate.
Whether you work under a lease or run under your own authority.
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