Commercial truck insurance is one of the most crucial investments for any trucking business. Whether you own a single semi-truck or operate a full fleet of commercial vehicles, the right truck insurance coverage ensures financial protection against accidents, theft, cargo damage, and liability claims.
As trucking is the backbone of logistics in the U.S., finding the best commercial truck insurance companies in 2025 can help you save money, ensure compliance, and keep your operations running smoothly.
In this article, we’ll discuss the top commercial truck insurance providers, their key features, and what to consider before choosing the right policy for your business.
What Is Commercial Truck Insurance?
Commercial truck insurance is a specialized type of commercial vehicle insurance that covers trucks used for transporting goods, materials, or equipment. It protects both the driver and the business from potential losses due to accidents, damage, or legal liabilities.
Key coverage options include:
- Primary Liability Insurance: Covers bodily injury and property damage if your truck causes an accident.
- Physical Damage Coverage: Protects your vehicle against collision, theft, or vandalism.
- Cargo Insurance: Covers damage or loss of freight.
- Bobtail or Non-Trucking Liability: Covers trucks when not under dispatch.
- Motor Truck General Liability: Provides coverage for business-related liabilities outside direct trucking operations.
Having comprehensive truck insurance coverage helps meet federal and state legal requirements while safeguarding your livelihood.
Top 7 Best Commercial Truck Insurance Companies in 2025
Let’s explore the best-rated commercial truck insurance companies known for reliability, affordability, and high-quality customer service.
1. Progressive Commercial Truck Insurance
Progressive is widely recognized as one of the best commercial truck insurance providers in the U.S. The company offers tailored policies for owner-operators, motor carriers, and private carriers.
Key Features:
- Customizable policies for long-haul and local trucking.
- Discounts for safe driving and bundled coverage.
- 24/7 claims service.
- Free SR-22 and federal filings.
Why Choose Progressive: Competitive pricing, strong financial stability, and easy online quote system make Progressive a leading name in commercial truck and trailer insurance.
2. State Farm Commercial Auto Insurance
State Farm provides dependable truck coverage for small and medium-sized businesses.
Key Features:
- Excellent customer service through local agents.
- Comprehensive coverage for cargo, liability, and medical expenses.
- Fleet coverage options for multiple vehicles.
Why Choose State Farm: Known for personalized service and competitive rates for commercial truck insurance policies.
3. Nationwide Commercial Truck Insurance
Nationwide offers wide-ranging policies for trucks, trailers, and fleets across the country.
Key Features:
- Flexible payment options and tailored fleet management coverage.
- Add-ons like uninsured motorist and roadside assistance.
- 24/7 claims assistance.
Why Choose Nationwide: Ideal for businesses seeking full-service insurance with exceptional commercial vehicle coverage.
4. The Hartford Commercial Truck Insurance
The Hartford specializes in insurance for small and medium trucking businesses.
Key Features:
- Excellent motor truck cargo coverage.
- Comprehensive risk management and safety tools.
- Fast and fair claims handling.
Why Choose The Hartford: Strong reputation for reliability and business-focused protection plans.
5. Sentry Insurance
Sentry Insurance is a popular choice for owner-operators and small trucking companies.
Key Features:
- Dedicated trucking division.
- Discounts for experienced drivers.
- Fleet management support and safety training.
Why Choose Sentry: Focused on long-term trucking partnerships and industry expertise.
6. Berkshire Hathaway GUARD Insurance
Berkshire Hathaway GUARD offers powerful coverage backed by one of the world’s most financially stable companies.
Key Features:
- Full suite of liability, cargo, and physical damage coverages.
- Affordable premiums for fleets and independent contractors.
- Fast claim settlements.
Why Choose GUARD: Backed by Warren Buffett’s Berkshire Hathaway, offering trustworthy financial security.
7. OOIDA (Owner-Operator Independent Drivers Association)
OOIDA offers tailored truck insurance coverage specifically designed for owner-operators and small fleets.
Key Features:
- Customized plans including bobtail and occupational accident coverage.
- Discounts for experienced and safe drivers.
- Member benefits including legal and compliance support.
Why Choose OOIDA: Perfect for independent drivers seeking low-cost yet comprehensive insurance protection.
How to Choose the Right Commercial Truck Insurance Provider
When comparing commercial truck insurance companies, keep the following points in mind:
- Coverage Options: Make sure your provider covers all key risks — liability, cargo, and physical damage.
- Premium Cost: Request multiple truck insurance quotes to find competitive rates.
- Claims Handling: Choose a company with 24/7 claims support and fast processing.
- Reputation: Look for insurers with high customer satisfaction ratings and financial strength.
- Discounts: Ask for discounts for safe driving, multiple policies, and driver experience.
Average Cost of Commercial Truck Insurance
The cost of commercial truck insurance varies depending on factors like truck type, location, driving history, and cargo. On average, owner-operators pay between $9,000 to $15,000 per year for full coverage. However, by comparing quotes from top commercial truck insurance providers, you can potentially save thousands annually.
Conclusion: Protect Your Business with the Best Truck Insurance in 2025
Choosing the right commercial truck insurance company is essential for safeguarding your business, assets, and reputation. The top providers — including Progressive, State Farm, Nationwide, and The Hartford — offer comprehensive coverage, competitive premiums, and dependable claims support.
Whether you’re an independent owner-operator or manage a fleet, investing in quality commercial truck and trailer insurance ensures peace of mind and financial protection on every mile of your journey.