Erie, Farmers, and Nationwide have the best car insurance for commercial trucks with exceptional collision coverage, fleet discounts, and flexible liability options.

Finding the best plan requires getting estimates from various providers and comparing each company's commercial auto plans and discounts.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A+	Affordable Coverage	Erie
	#2	20%	A	Fleet Policies	Farmers
	#3	20%	A+	Flexible Options	Nationwide
	#4	5%	A+	Comprehensive Coverage	The Hartford
	#5	25%	A	Business Expertise	Liberty Mutual
	#6	17%	B	Reliable Service	State Farm
	#7	25%	A+	Strong Discounts	Allstate
	#8	25%	A++	Competitive Rates	Geico
	#9	13%	A++	Customizable Plans	Travelers
	#10	10%	A+	Specialized Coverage	Progressive

Find out how drivers may get the finest coverage for rates starting at $260/month by reading this article, which delves into important details of commercial truck car insurance.

Enter your ZIP code into our free comparison tool above to start comparing commercial car insurance rates now.

What You Should Know

• Fleet discounts help commercial truck drivers save on premiums
• Erie provides top-rated collision protection for commercial trucks
• Commercial truck drivers get the most flexible coverage with Nationwide

#1 – Erie: Top Overall Pick

Pros

• Affordable Collision Protection: Starting at $260 per month, Erie offers commercial truck owners affordable collision insurance.
• Significant Bundling Discount: Commercial truck owners can save up to 25% when they combine their Erie insurance policies.
• Excellent Customer Service: Commercial auto insurance policyholders consistently leave positive reviews for Erie claims and customer service.

Cons

• Limited Coverage Availability: Erie commercial truck insurance is only available in 12 states. Find coverage near you in our Erie car insurance review.
• Higher Rates for Risky Drivers: Commercial trucks may see a significant spike in their insurance rates following an accident.

#2 – Farmers: Best Fleet Insurance

Pros

• Fleet Discounts for Commercial Trucks: Farmers provides unique discounts to businesses that have multiple trucks in their fleet.
• Adaptable Liability Coverage: Liability coverage is tailored to meet the unique business requirements of each truck.
• Commercial Collision Insurance: Offers strong protection against commercial truck accident damages. Check out our Farmers car insurance review for coverage details.

Cons

• Expensive Commercial Coverage: Farmers insurance rates for commercial trucks is higher than other companies at $310/month.
• Varied Customer Service Reviews: Farmers customer service for commercial truck insurance varies depending on where drivers live.

#3 – Nationwide: Best for Flexible Options

Pros

• Flexible Commercial Truck Coverage: Policies are customized to accommodate the unique requirements of commercial vehicles, trucks, and fleets.
• Extensive Liability Choices: Protection for commercial truck drivers in the event of an accident, including medical expenses and damaged property.
• 20% Discount on Combined Policies: Bundle your commercial truck coverage with other Nationwide insurance to save.

Cons

• Limited Fleet Discounts for Smaller Operators: Reduced discounts might result from a smaller fleet. Take a look at our Nationwide car insurance review to learn more.
• Premiums Rise for High-Risk Drivers: For commercial truck drivers who have infractions, costs might rise significantly.

#4 – The Hartford: Best for Comprehensive Coverage

Pros

• Complete Truck Coverage: The Hartford provides comprehensive coverage for commercial vehicle theft, fire, and accidents.
• Specialized Cargo Insurance: Provides coverage for sensitive or high-value products that are transported by commercial trucks.
• Wide Selection of Add-Ons: Liability and physical damage add-ons are customized for commercial truck insurance. See our The Hartford review for more information.

Cons

• Smaller Fleet Discounts: A mere 5% in fleet savings is substantially lower than that of its competitors.
• Higher Starting Premiums: When compared to other providers, the comprehensive plans offered by The Hartford are typically more expensive.

#5 – Liberty Mutual: Best for Business Expertise

Pros

• Industry Knowledge for Trucking Businesses: Liberty Mutual provides transportation companies with industry-specific guidance.
• High Discounts for Fleet Operators: Companies who manage a fleet of trucks can save up to 25% with our service.
• Financial Stability: Liberty Mutual remains financially stable, guaranteeing dependable claims. Read our full car insurance review of Liberty Mutual.

Cons

• Higher Rates for Smaller Businesses: The rates offered by Liberty Mutual may not be affordable for smaller trucking companies.
• Limited Online Tools: Getting prices for commercial trucks online and managing insurance may be quite a challenge.

#6 – State Farm: Best for Reliable Service

Pros

• Dependable Claims for Commercial Trucks: Acknowledged for its dependable and speedy handling of truck drivers' claims.
• Personalized Assistance: For commercial truck insurance, local agents offer personalized assistance. You can learn more in our State Farm car insurance review.
• 17% Bundling Discount: There are discounts available when commercial truck insurance is combined with other State Farm policies.

Cons

• Higher Insurance Costs: The cost of commercial vehicle insurance is often higher than that of competitors.
• Limited Fleet Discounts: Policies covering larger fleets offer fewer chances for discounts compared to their competitors.

#7 – Allstate: Best for Strong Discounts

Pros

• Comprehensive Savings for Commercial Trucks: Commercial truck drivers and fleet owners can combine multiple policies to obtain discounts of up to 25%.
• Strong Physical Damage Protection: Helps protect and repair commercial trucks after accidents, theft, and damage.
• Adaptable Liability Coverage: Customizes liability insurance to meet the needs of commercial trucks. Explore more discount options in our Allstate car insurance review.

Cons

• Higher Base Premiums: The starting price for commercial truck plans is approximately $280/month, which is more expensive than some of its competitors.
• More Complex Online Management: Online truck insurance policy management can be a bit of a hassle.

#8 – Geico: Best National Commercial Insurance Rates

Pros

• Low Starting Premiums for Commercial Trucks: Geico offeres affordable commercial truck insurance rates in all 50 states, beginning at $270 per month.
• Robust Liability and Physical Damage Coverage: Provides robust coverage alternatives for commercial truck accidents and damages.
• 25% Policy Bundling Discount: Geico offers discounts when you buy truck insurance along with other types of insurance.

Cons

• Higher Premiums for High-Risk Drivers: Commercial truck drivers who have infractions or claims on their record can face major cost hikes.
• Less Personalized Service: Comparatively to some competitors, it provides fewer choices for local agent support. Learn more about car insurance claims ratings.

#9 – Travelers: Best for Customizable Plans

Pros

• Customizable Coverage for Commercial Trucks: The plans offered by Travelers can be easily adjusted to meet the unique requirements of trucking companies.
• Solid Liability Protection: Provides protection against bodily injury as well as damage to property for truck drivers.
• Discounts for Bundling: If you insure your commercial truck with Travelers and another policy, you can save up to 13%. Dive into our in-depth Travelers car insurance review.

Cons

• Fewer Add-On Options: Comparatively, it provides fewer add-ons for personalizing truck policies as an alternative.
• Higher Rates for Solo Drivers: Insurance premiums could be relatively high for owner-operators who operate a single truck.

#10 – Progressive: Best for Specialized Coverage

Pros

• Niche Coverage for Commercial Trucks: Provides coverage for hired non-owned vehicles along with additional specialized truck requirements.
• Customizable Add-Ons: Offers a range of choices such as roadside assistance and cargo protection for trucks. See average monthly rates in our Progressive car insurance review.
• Bundling Discount: You can save as much as 10% when you bundle your vehicle insurance with other plans from Progressive.

Cons

• Higher Costs for Riskier Drivers: Premiums for truck drivers who have infractions can go up significantly.
• Online Services Lacking: Finding your way around the online system that handles policy management and truck quotation requests can be a real challenge.

Balancing Commercial Truck Insurance Costs and Coverage

The top insurance companies for commercial trucks offer policies with full coverage protection and affordable rates.

Insurance Company	Minimum Coverage	Full Coverage
	$340	$470
	$260	$390
	$310	$440
	$270	$400
	$320	$450
	$290	$420
	$280	$410
	$330	$460
	$300	$430
	$310	$440

The lowest monthly rates for commercial truck insurance are with Erie at $390 for full coverage and Geico at $400 monthly.

Commercial truck drivers can lower these rates with car insurance discounts designed for business-use vehicles and fleets, as well as savings for good drivers and anti-theft devices.

Insurance Company	Available Discount
	Multi-vehicle, Safe driver, Anti-theft device
	Multi-policy, Safe driver, Anti-theft device
	Multi-vehicle, Business loyalty, Anti-theft device
	Multi-vehicle, Safe driver, Fleet discount
	Multi-policy, Fleet discount, Claims-free
	Multi-policy, Fleet discount, Anti-theft device
	Paid-in-full, Multi-policy, Safe driver
	Multi-policy, Safe driver, Fleet discount
	Fleet discount, Pay-in-full, Safe driver
	Multi-policy, Claims-free, Fleet discount

Comparing multiple quotes can help businesses find the best combination of coverage. Explore more commercial auto options from the best car insurance companies for fleet vehicles.

Understanding What Influences Commercial Truck Insurance Quotes

What affects how much commercial truck insurance costs? For starters, companies and business owners generally require commercial trucks to have full coverage insurance to cover liabilities, accidents, and damage to property, which costs more.

By understanding these factors and exploring the top ways customers save money on their car insurance, businesses can plan for better fleet protection:

• Driver Experience: Drivers with less experience or past violations often have to pay higher premiums.
• Truck Condition: The age and condition of the car also play a role. Older or poorly maintained trucks usually have higher costs due to more repairs needing to be done.
• Shipment and Cargo: It also matters what kind of cargo is being moved, since carrying dangerous or valuable things tends to make insurance costs go up.
• Driving Routes: Insurers consider routes that go through high-risk places or cover long distances more dangerous and charge higher premiums.
• Policy Limits: The total cost of business trucks will always go up if you choose higher insurance limits.

Since so many different things impact commercial truck insurance rates, it's important to get several quotes in order to find the most affordable and effective insurance policy.

Leading Insurance Companies for Commercial Trucks

The companies with the best car insurance commercial trucks are Erie, Farmers, and Nationwide. Businesses looking for cost-effective security are drawn to Erie's collision coverage, which starts at $260 per month.

For large trucking businesses that require customizable coverage, Nationwide's liability policies are the way to go. Farmers offers large discounts for fleets, which also saves businesses that manage a lot of trucks a lot of money.

To balance costs and ensure full coverage for their fleets, businesses should consider what kind of car insurance you really need for optimal protection. Start comparing affordable insurance options by entering your ZIP code into our free quote comparison tool below.