Commercial Truck Insurance
Find the right commercial truck insurance for any type of trucking business.
Find the right commercial truck insurance for any type of trucking business.
GEICO makes commercial truck insurance simple, affordable, and built around the needs of your business. With decades of experience, we help connect owner-operators, commercial drivers, and small fleets (up to 9 vehicles) with the coverage they need, whether you're hauling locally, running regional routes, or managing long-haul operations across the country.
Our rates are competitive, and our customer and claims service is designed to support you whenever and wherever you're on the road. You'll also have access to licensed truck insurance specialists who can help you understand your options and customize protection for your business. Call us at (866) 509-9444 or start your commercial truck insurance quote online.
GEICO can help you find coverage for a wide range of commercial vehicles, including dry vans, refrigerated trucks, flatbeds, auto haulers, and trucks used for hauling dirt, sand, gravel, and more. Get the right protection for your operation and keep your business moving.
If you operate a trucking business – whether you’re an owner-operator, run a small fleet, or haul goods occasionally – you need a commercial truck insurance policy. Federal and state laws require commercial vehicles to carry specific liability limits, and many shippers or brokers also require proof of insurance before work begins.
Commercial truck insurance helps protect you from the financial impact of accidents, theft, fire, cargo damage, and other unexpected losses that can interrupt operations or lead to costly repairs. Even established businesses rely on the right coverage to stay compliant and keep their trucks on the road.
GEICO can help secure commercial driver insurance for a wide range of trucking operations. Common types include:
You run your own trucking business and need a policy that covers liability, cargo, physical damage, and other exposures. We can help you customize protection for the work you do – local, regional, or long-haul.
If you haul goods for your own company – such as agricultural products, equipment, or manufactured goods – you still need coverage for accidents, injuries, and property damage. We can help you find insurance that protects your vehicle and your business.
Motor carriers typically provide primary liability while you're under dispatch. But many leased operators still need additional coverage, such as non-trucking liability or physical damage, to protect the truck during personal use or when hauling outside the carrier's policy limits.
GEICO helps businesses find insurance for a wide variety of commercial trucks. Common vehicle types include:
We provide coverage for vehicles made by semi truck brands like Peterbilt, Mack, Freightliner, Kenworth, Volvo, International, Western Star, and more.
We cover various box trucks, including cargo cutaways, ice box trucks, reefer trucks, sleeper box trucks, tilt cab trucks, and more.
We also offer insurance for dump trucks used in tasks like roll-off debris removal, hauling dirt, sand, gravel, and other materials. These commercial trucks are designed for off-road and construction site use but should be loaded carefully to prevent tipping over.
GEICO helps connect trucking-related businesses of all kinds with insurance tailored to their operations. Examples include:
Commercial truck insurance policies can be tailored to the unique needs of your business. GEICO helps trucking professionals access essential and optional protections, including:
In addition to these general coverages, GEICO offers insurance options that are tailored to meet the unique needs of your trucking business. These options are available for both for-hire truckers and private carriers.
These coverages can be combined and customized to help meet your contract requirements, protect your assets, and support your operations.
The cost of commercial truck insurance varies widely across the U.S. In addition to typical auto insurance cost factors, like driver age, history, and marital status, truck insurance rates can be influenced by:
Your payment method can also affect the overall cost of your policy. Choosing a pay-in-full option – which means paying your entire premium upfront, often by the policy’s effective date – can help you save money by avoiding installment fees. In some cases, paying in full may also qualify you for a paid-in-full discount, making it a more economical choice compared to monthly payments. Businesses can typically pay in full online, or by phone, depending on availability.
Because trucking insurance costs differ widely, the best way to understand your rate is to request a customized commercial truck insurance quote.
Navigating the world of insurance filings is essential for many types of commercial drivers, including truckers. At GEICO, we simplify the process to ensure your business is compliant with state and federal regulations.
Insurance filings are documents that prove to state or federal regulators that you have the right insurance coverage for your commercial vehicle, including trucks. They show that you have liability insurance and cargo insurance with at least the required minimum limits. These filings guarantee protection for others involved in accidents where you are legally responsible.
Depending on your trucking business, you may need federal or state insurance filings. Most businesses involved in interstate transportation, not just truckers, must file federal documents under the FMCSA. These filings include a federal financial responsibility endorsement.
Many states also require their own filings. GEICO can help you navigate these requirements and take care of the paperwork for you.
Understanding whether you need federal, or state financial responsibility filings is important for your business. You can find resources online, like the FMCSA's website, to help you determine your filing needs. GEICO is here to assist you in finding the right information and ensuring your filings are in order.
When you purchase a policy from GEICO, we will issue filings for you. Once you file for authority, we can take care of the rest. We usually complete filings within 48 hours after you call us.
At GEICO, we take pride in providing complete and affordable commercial truck insurance tailored to the unique needs of the trucking industry. We understand the challenges you face daily, and our commitment is evident in our offerings.
With decades of industry experience, GEICO understands the unique demands of commercial trucking and the importance of keeping your business protected on the road. Backed by an A++ financial strength rating from A.M. Best, GEICO’s stability and reliability give you the confidence to focus on what matters most – running your operation safely and efficiently. Start your quote for commercial trucking insurance today.
*Restrictions apply — please speak with a GEICO customer service representative to see if you qualify.