Trucking Insurance Companies Near Me

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Trucking Insurance Companies Near Me

What do the drivers of ice cream trucks, garbage trucks and owner-operators think? In addition to driving really cool cars, they are also required to have commercial cargo insurance to protect themselves and others on the road.

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Minimum insurance requirements vary depending on the type of truck you drive. So whether you’re delivering cold meals to kids at the local park or moving heavy cargo to a customer seven states away, it’s important to find a company that offers the customizable coverage you need at a cost that’s affordable for your business.

If you’re shopping for cargo insurance, here are some companies worth considering. Check out what they have to offer.

Our ratings are driven by a combination of hands-on testing, expert input, “crowd wisdom” reviews from real buyers and our own expertise. We always aim to offer real and accurate guidance to help you find the best option.

OIDA knows the ins and outs of the trucking industry. The association has supported independent truck drivers since it was founded in 1973. It offers customizable truck insurance for its members, including primary liability, general liability, unloading liability, passenger accident and physical damage coverage.

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In addition to truck insurance, OIDA also offers health and life insurance for trucks and fleets. To become a member, you’ll have to pay a $45 membership fee, but it’s worth it to get coverage from an association that has supported trucking for nearly 50 years.

Three by Berkshire Hathaway bills itself as simple, jargon-free insurance, and that’s exactly what it offers. Unlike most insurance companies that offer a variety of specific coverages that you must apply for, Three provides policyholders with broad coverage that suits the needs of most small business owners.

Specifically for trucks, Three offers liability, collision, rental and non-owned, comprehensive and freight coverage. It also has a small business consultant available to answer questions. Additionally, Berkshire Hathaway has a Best AM A++ (Superior) rating, which signifies its financial strength. Three are worth considering if you’re a small business owner looking for comprehensive coverage for owner-operator trucks or a small fleet.

Sentry offers several truck coverage options through its extensive network of local agents. Whether you’re an owner operator looking for insurance or you want coverage for a small group, Sentry’s range of products can help keep you safe on the road. It offers commercial liability, general liability, non-trucking liability, physical damage and transportation coverage. And if you need to submit a claim, you can do so online or by phone 24/7.

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Sentry has an A+ (Superior) AM Best rating, indicating that it is in a strong financial position. Those looking for flexible coverage options and personalized service from a reputable insurance company can put Sentry on their short list for cargo insurance.

Although State Farm offers insurance for small trucking companies, it does not insure large trucks or long-haul haulers. However, if you need to insure a commercial pickup truck or van, these insurance companies may have the coverage you need at a relatively affordable price. It offers liability, medical payments, collision, comprehensive and uninsured motorist coverage. You can also file a claim online instead of spending a ton of time on the phone with an agent after an accident.

With a Best AM rating of A++ (Superior) and a high score on the U.S. JD Power’s latest. Auto Insurance Review, State Farm policyholders benefit from financial stability and excellent customer service. Companies looking to insure a truck or small van can consider these insurers.

Whether you want to insure a garbage truck, ice truck, flatbed or street sweeper, Progressive has you covered. A customizable policy lets you pick and choose the coverage you need based on the truck you’re insuring. And if you’re not 100 percent sure which coverage options make sense, you can talk to one of Progressive’s commercial truck insurance experts.

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Progressive also offers several discounts, including the option to get lower premiums by paying in full for the year and providing access to your data from your electronic logging device (ELD). While the diverse coverage options and discounts may be attractive, Progressive received a lower-than-average customer satisfaction rating in the 2021 JD Power Auto Insurance Study. However, it has a Best AM score of A+, indicating that the company is financially sound.

Wondering how much a coverage plan would cost for a 52-year-old man with 20 years of CDL experience and a clean driving record? NITIC has you covered with its sample rate. Plus, it lets you get a quote for coverage online — you don’t have to wait on the phone with an agent. In addition to price transparency and fast quotes, NITIC exclusively offers commercial truck coverage, so it’s familiar with trucks’ unique insurance needs.

Despite the positives, NITIC has a lower Best AM rating than many competitors. The agency gave it a B++ (Good) rating, which is far from bad, but still something to consider when shopping for coverage.

EIB Direct offers commercial truck insurance issued by its parent company, Prime Holdings Insurance Services, Inc. Drivers looking for customizable policies for both smaller trucks and larger fleets can find coverage through these insurance companies. It offers liability, physical damage, transportation, rental and non-rental car coverage, and more. Additionally, you can easily submit a claim through the EIB Direct mobile app.

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Unlike some competitors, EIB Direct is not among JD Power’s top insurers for customer satisfaction. However, AM Best recently raised its rating from A- to A, and EIB has a lot to offer, regardless of the size of your fleet.

While truck insurance varies depending on the type of truck you drive and your coverage needs, a recent Progressive study offers some useful insights into premium costs. The average monthly cost of the premium is about $640 for a truck in a specialized niche, such as street sweeping or garbage collection. Truck drivers hauling heavy cargo can expect to pay higher premiums, averaging about $982 per month.

These estimates are based on drivers with clean records who are only looking for minimum coverage. Your rate will vary depending on several factors discussed below.

Truck insurance isn’t cheap, but it’s necessary. Fortunately, there are things you can do to save on coverage, and certain providers may offer special discounts that you can take advantage of.

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Just like your personal car policy, several factors will affect the cost of your commercial cargo insurance and you may end up with different quotes when you compare policies. Here are some things that insurance companies usually look at to determine the cost of coverage.

When it comes to commercial truck insurance, your years of experience will affect the cost of your insurance. Those with more years on the road are likely to pay lower premiums than those with less driving experience.

In general, insurance companies consider men to be higher risk drivers than women. Insurance Institute for Highway Safety data shows that men are more than twice as likely to be involved in serious accidents as women, so you may pay more for coverage if you’re a man.

Your insurer may look at your business credit score when you apply for coverage. A higher score will likely result in a lower premium because a high credit score indicates that you usually meet your financial obligations.

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Your location and driving route can also factor into the cost of your premium. For example, drivers in large metropolitan areas may pay higher premiums. Those who frequently travel through large cities may also pay a higher cost for coverage.

The type of truck you drive will affect your insurance costs. While it probably goes without saying, those driving larger, older 18-wheel models will have more expensive coverage than drivers looking to insure commercial pickup trucks.

While you must have certain coverage such as liability, other insurance coverage is optional. The type and amount of coverage you need for your truck will affect the cost of your premium.

A. While proof of liability (property damage and bodily injury) and cargo coverage are required by the Federal Motor Carrier Safety Association (FMCSA), other coverages can offer valuable coverage. For example, you may also benefit from physical damage or bobtail coverage.

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A. Some of the best cargo insurance companies offer a number of coverage options and valuable discounts that can help keep costs down. When you shop for coverage, consider comparing policies from the following providers:

A. Yes. FMCSA – the US government agency responsible for regulating the trucking industry – requires new operators to prove they have liability and cargo coverage. The minimum coverage amount will vary depending on whether you operate a cargo or passenger vehicle.

A. Despite the funny name, bobtail coverage offers serious protection. It is a type of liability insurance designed to protect drivers who have delivered their cargo and returned home. So technically, it covers you when you’ve finished work and you’re off duty.

To choose the best

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