The Ultimate List of Top 10 Commercial Truck Insurance Companies in 2026- Choose Wisely!

Running a successful trucking business involves numerous challenges, one of which is finding the right commercial truck insurance coverage. There are countless insurance providers out there, and the process of finding the best one can be overwhelming. Our comprehensive guide to the top 10 commercial truck insurance companies in the US is here to help. Read on to find out which companies offer the most comprehensive coverage and excellent customer service.

An Overview of the Top Trucking Insurance Companies in 2026

The Ultimate List of Best Trucking Insurance Companies

1. Progressive Commercial
2. Nationwide Commercial
3. Farmers Commercial
4. Allstate Commercial
5. State Farm Commercial
6. Berkshire Hathaway Commercial
7. Sentry
8. OOIDA
9. Cover Wallet
10. GEICO Commercial

Each of these companies has a proven track record of providing reliable insurance coverage to trucking businesses of all sizes.

Here’s a breakdown of the truck insurance coverages offered by the top 10 commercial truck insurance companies listed in our guide, as well as their major features, pros and cons, and which types of trucking businesses they are well-suited for:

Progressive Truck Insurance

Progressive Insurance Reviews: ⭐⭐⭐⭐

Best-suited for:

• Any type of trucking business, including owner-operators, small fleets, and large fleets.

Major features /Overview

Progressive truck insurance offers customized insurance packages for each trucking business, so you can choose the coverage that fits your specific needs.

• Discounts are available for safe drivers, paying in full, and bundling policies
• They offer 24/7 claims service and online policy management

Coverage options:

• Motor truck cargo
• Motor truck general liability
• Non-trucking liability
• Rental reimbursement with downtime
• Trailer interchange

Pros and Cons:

Nationwide Truck Insurance

Nationwide Insurance Reviews: ⭐⭐⭐

Well-suited for:

• Small to medium-sized trucking businesses with a focus on safety and risk management

Major features/ Overview

• Nationwide truck insurance offers flexible payment options and customized coverage packages.
• Discounts are available for safe driving and multiple policies.
• They offer 24/7 customer service and claims handling.

Coverage options:

• Liability coverage
• Physical damage coverage
• Property damage
• Uninsured/underinsured motorist
• Medical payments
• Collision
• Comprehensive

Pros and Cons:

Berkshire Hathaway Truck Insurance

Best-suited for:

Small to medium-sized commercial trucking businesses

Overview

As a 50-year-old insurance company that has gained a national footprint, Berkshire Hathaway offers insurance from its subsidiaries such as GEICO and biBERK.

Major features:

• Huge corporate size
• Superior rating of A++ by A.M. Best
• Customizable coverage options based on the specific needs of a trucking business
• Subsidiaries offering specialized coverage for many sectors

Coverage available for:

• Contractors
• Caterers/mobile concessions
• Dump trucks
• Farmers
• Logging
• Tow trucks/auto haulers
• Truckers
• Wholesalers/manufacturers

Pros and Cons:

The Hartford Commercial Insurance

4 years in a row – @KeynovaGroup has ranked The Hartford #1 for small commercial business carriers in overall digital capabilities for 2022. Win over your customers with the #1 small business digital platform. https://t.co/WkuGlXwXzv pic.twitter.com/IQija0oGb0

— The Hartford (@TheHartford) November 4, 2022

Hartford Insurance Reviews: ⭐⭐⭐⭐

Best Suited for:

• Small to large trucking companies and owner-operators

Overview

With a focus on exceptional customer service and a reputation for reliability, Hartford trucking insurance is a trusted partner for businesses looking to protect their assets and manage their risk. They also offer safety resources and risk management services to help businesses stay safe and compliant.

Features:

• Available in all states
• Decent website and excellent mobile app
• RecoverCare, which is there to help you after you’ve been injured in an accident
• Great customer reviews
• AARP membership offers additional advantages
• Special services for fleets

Coverages:

• Bodily injury coverages
• Property damage liability coverage
• Collision coverage
• Comprehensive coverage
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Rental car coverage
• Personal injury protection (PIP)
• Hired and non-owned auto insurance

Pros and Cons:

Allstate Commercial Truck Insurance

Allstate Insurance Reviews:⭐⭐⭐⭐

Best for:

Small to medium-sized trucking businesses that need customizable coverage options and a local agent to work with.

Overview

Allstate commercial truck insurance provides coverage for a range of vehicles, including liability, physical damage, and cargo protection. With customizable policies and 24/7 claims support, Allstate can help protect your business and keep your trucks on the road.

Features:

• 5th largest insurance provider across the US
• A+ rating from A.M. Best for superior 24/7/365 claims service
• Best at claims handling
• Outstanding ratings and reviews
• Allstate Extended Vehicle Care

Coverages:

• Liability
• Bodily injury
• Property damage
• Uninsured/underinsured motorist
• Medical payments
• Collision
• Comprehensive

Pros and Cons:

State Farm Truck Insurance

State Farm Insurance Reviews: ⭐⭐⭐⭐

Best suited for:

• Single or fleet pickup trucks, box trucks, tractor-trailers, and more

Overview/Features

• Coverage for a variety of commercial vehicles, including delivery vans, box trucks, and semis
• Liability coverage to protect against damages or injuries caused to others
• Medical payments coverage for injuries sustained by the driver or passengers
• Protection against uninsured or underinsured motorists
• Discounts for safe driving, multiple vehicles, and more
• Flexible payment options, including monthly, quarterly, or annual premiums
• 24/7 claims assistance and support

Coverage options:

• Liability coverage
• Physical damage coverage
• Medical payments coverage
• Uninsured/underinsured motorists coverage
• Cargo coverage
• Trailer Interchange coverage
• Non-owned and hired auto liability coverage

Pros and Cons:

Sentry Truck Insurance

Best for:

• A small trucking business and owner-operators with one truck

Overview

Started in 1904, Sentry boasts its experience, highly trained staff, and expert claims service when it comes to providing commercial truck insurance.

Major features:

• Sentry’s truck insurance policies are heavily focused on single-truck customers
• A+ rating from A.M. Best
• 24/7 claims service
• 100+ years in business

Coverages:

• Liability coverage
• Physical damage coverage
• Collision
• Comprehensive
• Motor truck cargo coverage
• Non-trucking liability

Pros and Cons:

OOIDA Truck Insurance

Best for:

• Owner-operators and small fleets

Overview

The Owner-Operator Independent Drivers Association (OOIDA) provides truck insurance for owner-operators with authority, and leased owner-operators. As an association, OOIDA represents the position of truckers on all major trucking related issues, in addition to providing insurance.

Major features:

• Advocacy efforts on behalf of professional truckers through its interaction with authoritative bodies at state and federal level
• Specially designed policies for owner-operators
• Truckers can become members to get discounts and rebates on products related to their business

Coverages:

• Primary liability
• General liability
• Physical damage
• Motor truck cargo
• Passenger accident
• Unladen liability
• Downtime coverage
• Breakdown coverage
• Personal property
• Limited depreciation coverage
• Gap coverage
• Supplemental towing and clean-up
• Rental reimbursement
• Trailer interchange

Pros and Cons:

Coverwallet Truck Insurance

Best for:

• Coverwallet is well-suited for small to medium-sized trucking businesses

Overview/major features

• Relatively new company started in 2015
• Coverwallet’s truck insurance enables you to customize your policy and compare rates, as they are an insurance aggregator
• Known for their online platform

Coverages:

• Liability coverage
• Physical damage coverage
• Motor truck cargo coverage
• General liability coverage
• Workers’ compensation insurance
• Non-trucking liability
• Bobtail
• Cargo
• Trailer interchange
• Hired and non-owned auto coverage

Pros and Cons:

GEICO Commercial Truck Insurance

GEICO Insurance Reviews: ⭐⭐⭐⭐

Best-suited for:

• Owner-operators
• Small fleets

Overview

The quick online trucking insurance quotes and easy policy management has to be one of the major benefits of GEICO truck Insurance. Established in 1936, they also offer commercial auto insurance for a range of other vehicles, including cars and vans.

Major features:

• Discounts for safety features, bundling, and multi-policies
• They offer 24/7 customer service
• Flexible payment options
• Strong financial rating

Coverage available for:

• Pickup trucks
• Box trucks
• Service utility trucks
• Food trucks

Pros and Cons:

Conclusion

The commercial trucking industry is a complex and challenging one, but having the right insurance coverage can help you navigate those challenges with confidence. In this blog, we’ve highlighted the top insurers for 2023, but it’s up to you to review your options and select the provider that meets your specific needs. With the right insurance coverage, you can focus on growing your business without worrying about unexpected setbacks.