Truck Insurance

Truck Insurance

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Truck insurance has never been easier to get

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 specialists 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.

Other Types of Commercial Vehicle Insurance

Who needs commercial truck insurance?

If you own a trucking business, you need a commercial truck insurance policy. Valid insurance is important for all trucking companies, whether they're just starting or have been around for a while. Truck insurance is necessary to meet both federal and state regulations and can help pay for future events such as accidents or fires that damage the truck or its cargo.

What types of commercial truckers do we insure?

We offer truck insurance for different types of drivers:

A smiling trucker driving his truck, to show insurance coverage for owner operators under permanent least to a motor carrier.

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.

A smiling young farmer loading fresh produce to the back of his truck, used to depict the importance of truck insurance for private carriers, like farmers, hauling goods for their own company.

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.

Mature Hispanic driver in a blue button-down shirt driving a semi-truck, to show the importance of owner operator insurance to protect against accident when operating your own trucking business.

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.

What types of trucks do we insure?

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

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

Big blue truck on a remote highway used to illustrate that GEICO provides insurance coverage for well-known brands like Freightliner and Kenworth.

Semi Trucks

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

White box truck parked on the side of the street by an apartment building, used to illustrate that GEICO provides insurance coverage for various box truck types such as cargo cutaways, ice box trucks, 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.

White and blue dump truck on a rural road next to a pile of fill dirt, to show insurance coverage for dump truck.

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.

What types of businesses do we insure?

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:

  • For-hire trucking operations
  • Refrigerated goods haulers
  • Auto haulers
  • Dirt, sand & gravel haulers
  • Expediters
  • Agricultural haulers
  • Livestock haulers
  • Coal haulers
  • Debris removal
  • Garbage & trash haulers
  • Machinery & heavy equipment haulers
  • Scrap metal, scrap auto & recycling services
  • Septic waste removal
  • Steel haulers
  • Escort vehicles

Explore truck insurance coverages

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 specialist 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.

  • Motor truck cargo coverage: Protection for cargo loss or damage during transit, with various limits and deductibles.
  • Motor truck cargo with refrigeration breakdown coverage: Covers cargo losses due to sudden and accidental refrigeration or heating unit breakdown.
  • Trailer interchange coverage: Protects non-owned trailers under a trailer interchange agreement.
  • Non-owned trailer physical damage coverage: Coverage for trailers temporarily used in business operations.
  • Motor truck general liability coverage: Liability coverage for accidents arising out of your business operations, but not directly involving your truck.
  • Hired auto bodily injury and property damage coverage: Liability coverage for borrowed, leased, hired, or rented vehicles.
  • Hired auto physical damage coverage: Coverage for physical damage to borrowed, leased, hired, or rented vehicles.
  • Non-owned auto bodily injury and property damage coverage: Liability coverage for situations when your employee occasionally uses their own personal vehicle for the business.
  • Non-trucking liability: When you're under a permanent lease agreement with a motor carrier, non-trucking liability provides coverage for personal use of your vehicle.

State and Federal Filings for Commercial Truck Insurance

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.

Why choose commercial truck insurance from GEICO?

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 to the table.

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

Other Types of Commercial Vehicle Insurance

Commercial Truck Insurance Frequently Asked Questions

  • 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.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.