Commercial Truck Insurance

GEICO can help secure commercial driver insurance for a wide range of trucking operations. Common types include:

Owner-Operators with Their Own Authority

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.

Private Carriers-Not for Hire

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.

Owner-Operators Under Permanent Lease to a Motor Carrier

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:

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 commercial trucks are designed for off-road and construction site use but should be loaded carefully to prevent tipping over.

Commercial truck insurance policies can be tailored to the unique needs of your business. GEICO helps trucking professionals access essential and optional protections, including:

Core Coverages

• Motor carrier insurance: For for-hire truckers who need liability, physical damage, cargo coverage, and more.
• For-hire truck insurance: Designed for owner-operators leased to motor carriers who need additional or supplemental protection.
• Mandatory motor carrier truck insurance coverages: Helps cover injuries or property damage you may cause to others.
• Optional motor carrier insurance coverages: Add protections such as physical damage, medical payments, and uninsured motorist coverage.

Specialized Coverages

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.

• Motor truck cargo with reefer breakdown coverage: Covers spoilage due to sudden, accidental refrigeration or heating unit breakdown.
• Trailer interchange coverage: Coverage for non-owned trailers under a trailer interchange agreement.
• Non-owned trailer physical damage coverage: Protection for trailers temporarily used in your business.
• Motor truck general liability coverage: Covers certain business-related accidents not directly involving the truck.
• Hired auto liability & physical damage: Protects vehicles your business borrows, leases, hires, or rents.
• Non-owned auto bodily injury and property damage coverage: Covers situations where employees occasionally use personal vehicles for business.
• Non-trucking liability: Protection for leased operators when driving the truck for non-business, personal use.

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:

• USDOT compliance
• Cargo type
• Truck type and condition
• Coverages chosen
• Inspection history

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.

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 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.

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 you’re thoroughly protected.

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.

• 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 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.
• Is commercial truck insurance expensive?
  The cost of commercial truck insurance depends on factors like the driver's history, the type and conditions of the vehicle, the cargo being hauled, your operating radius, and more. Truck insurance is typically more expensive than personal auto insurance because of the size, weight, and cargo value, as well as a heightened potential for damage and liability.