Commercial Truck Insurance by State
Explore commercial truck coverage where you live
Wherever your business is located, Progressive Commercial offers customized truck insurance solutions to meet your needs. Review your state's requirements so you can protect your vehicles and business.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Commercial truck insurance requirements by state
Each state has its own rules about what commercial truck insurance you need and how much you should have. Common coverages include:
- Liability: All states require liability insurance, which helps if you're responsible for someone else's injuries or property damage. The minimum coverage amount varies based on where you live.
- Cargo insurance: Cargo insurance protects goods from damage or loss during transit. It covers unexpected events like accidents, fires, and theft.
- Physical damage: Collision insurance and comprehensive coverage are included in physical damage insurance, which covers the truck itself. It pays to repair or replace your vehicle if it's damaged or stolen.
Trucking between states?
Trucks that travel between states also need to follow federal minimum liability requirements. These laws are set by the Federal Motor Carrier Safety Administration and vary depending on the type of cargo and vehicle. For instance, trucks carrying hazardous materials need a higher coverage amount due to the increased risk.
Business structure differences
The type of company you run can also affect your insurance needs and costs. Owner operators, for-hire truckers, and private carriers have their own set of risks and rules.
For example, owner operators might pay less for coverage since they typically have fewer trucks and only need basic insurance for liability and physical damage. If they work with a motor carrier, that carrier might also provide some of the insurance coverage.
Commercial truck insurance filings in your state
We take care of all state and federal filings. These documents prove you have the necessary coverage to operate legally. Once you purchase truck insurance and file authority, our experts manage the rest.
Get commercial truck insurance in your state
For over 50 years, Progressive Commercial has been helping businesses stay protected on and off the road.
To get truck insurance in your state, start a quote online or call 1-888-806-9598. Our team is here to answer questions and find the right coverage for your company.
