Truck Insurance

Welcome to GEICO's Commercial Truck Insurance. With over 85 years of insurance experience, we're here to help with all your trucking needs. Whether you drive locally, regionally, or on long–haul routes, we've got you covered.

Our prices are competitive, and our customer service is top-notch. We're financially strong, so you can trust us to be there when you need us. Plus, you can talk to one of our licensed truck insurance experts at (866) 509-9444 or start a quote online.

We customize policies to fit your company's needs, so don't settle for less. GEICO provides coverage whether you're operating a dry van, refrigerated truck, flatbed, auto hauling, or engaged in hauling dirt, sand, gravel, and more.

We offer truck insurance for different types of drivers:

Owner-Operators Under Permanent Lease to a Motor Carrier

If you work for a company, they usually provide basic liability insurance while you are hauling. You can add extra protection like coverage for personal use and damage to your truck.

Private Carriers-Not for Hire

If you only haul goods for your own company, like a farmer or manufacturer, it's still important to have insurance that helps protect you when you're in an accident or injure someone else.

Owner-Operators with Their Own Authority

If you operate your own trucking business, you need your own insurance policy to protect you in case of accidents, cargo loss, and more.

GEICO commercial auto insurance comes with outstanding service and competitive rates.

At GEICO, we offer insurance for a wide range of trucks, including:

Semi Trucks

We provide coverage for vehicles made by semi truck brands like Peterbilt, Mack, Freightliner, Kenworth, Volvo, International, Western Star, and more.

Box Trucks

We cover various box trucks, including cargo cutaways, ice box trucks, reefer trucks, sleeper box trucks, tilt cab trucks, and more.

Dump Trucks

We also offer insurance for dump trucks used in tasks like roll-off debris removal, hauling dirt, sand, gravel, and other materials. These trucks are designed for off-road and construction site use but should be loaded carefully to prevent tipping over.

GEICO provides insurance for businesses that use trucks, like farming, auto haulers, refrigerated goods, garbage collection and more. Some of the types of businesses GEICO can insure include:

GEICO offers general coverages suitable for any commercial trucking business, providing essential protection to safeguard your investment and ensure peace of mind.

• Motor carrier insurance: Protect your trucking business with coverage designed for for-hire truckers, offering competitive rates, and expert claims service.
• For-hire truck insurance recommendations: Discover the insurance options for owner-operators leased to motor carriers, including primary liability and additional coverages.
• Mandatory motor carrier truck insurance coverages: Learn about mandatory liability insurance that covers damages to others.
• Optional motor carrier insurance coverages: Consider additional protections like physical damage, medical payments and more.

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.

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.

What Are Insurance Filings?

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.

Federal and State Filings:

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.

Who Needs Insurance Filings?

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.

How do I get a filing?

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 comprehensive 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.

1. Broad coverage: Our policies provide various coverage options, like liability insurance and cargo coverage, to protect your business from unexpected events. Regardless of what type of business you have, GEICO can help get you covered.
2. Fleet management: We assist in managing your fleet efficiently, from adding or removing vehicles to adjusting coverage limits and accommodating drivers.
3. Online accessibility: Our user-friendly online platform allows you to manage your commercial auto policy with ease, including making payments, viewing payment history, and obtaining ID cards.
4. Competitive rates: GEICO offers competitive rates to help you optimize your budget while ensuring comprehensive protection.

85 Years: With more than 85 years in the insurance industry, we bring a wealth of knowledge and expertise to the table.

A++ Rating: We hold an A++ rating from A.M. Best, reflecting our financial stability and ability to fulfill our commitments.

GEICO offers cutting-edge telematics to help truckers improve driving safety and potentially enjoy some savings on their truck insurance policy.

Telematics Benefits

At GEICO, we offer Drive-Easy Pro, a telematics program that can reward you with lower rates for safe driving. The Drive Easy Pro program can help you understand your driving habits and how you can improve your behaviors to unlock savings. In some cases, this program will come with a dashcam. In other cases, it will be an app and tag. This program rewards safe driving habits and offers personalized insurance rates, specifically tailored for interstate trucking risks.

Savings

Enrolling in our telematics program can lead to significant savings on your new business policy. Customers can enjoy up to a 10% lower rate just for participating. Moreover, based on the driver's performance score, policyholders may receive additional savings at the time of renewal.

55% of our participating customers have benefited from these savings. The better your driving score, the safer you drive, and the more substantial your savings becomes.

Enhanced Driving Performance

With telematics, we monitor key driving metrics such as phone use, braking, speeding, and handling. By having real-time feedback on their driving habits, drivers become more attentive and safety conscious. This not only benefits the driver but also contributes to overall road safety.

Vehicle Longevity and Reduced Costs

Telematics doesn't just enhance driving safety; it can also extend the lifetime of your vehicle. Telematics encourages safer driving, which means less wear and tear on your vehicle and fewer repairs and maintenance expenses. It may also prevent accidents and save money.

Advanced Telematics Features

Drive-Easy Pro equips your qualifying vehicle with cutting-edge technology, including camera footage, GPS tracking, an accelerometer, and edge machine vision, all designed to enhance road safety.

Privacy and Simplicity

Rest assured, Drive-Easy Pro prioritizes your privacy by disabling features like driver-facing cameras (DFC) and the microphone. Plus, it offers hassle-free installation with one camera per qualifying vehicle.

• How fast can I get truck insurance coverage?
  You can get truck insurance coverage immediately , ensuring you're protected right away.
• Does a commercial truck insurance policy cover personal use?
  Yes, a GEICO commercial truck insurance policy can provide coverage for personal use, offering flexibility for various driving situations.
• What is bobtail truck insurance?
  Bobtail insurance is designed to cover a power unit when it's not pulling a trailer. It provides protection in situations where the trailer is detached.
• What is non-trucking liability insurance?
  Non-trucking liability insurance offers limited liability protection to permanently leased owner-operators. It applies when a covered vehicle is used solely for personal and non-economic purposes, excluding revenue-generating activities.
• How long does it take for filings to be completed?
  Filings for commercial truck insurance typically have a 24–48-hour turnaround, ensuring you meet regulatory requirements promptly.
• Does commercial trucking insurance cover towing?
  Towing coverage is available for a covered loss under comprehensive or collision insurance, It provides assistance in case of accidents or damage to the insured vehicle.