Best Car Insurance Company That Offers Car and Trucking Insurance (2024)
When you’re looking for a car insurance company that offers car and trucking insurance, consider top insurers such as Allstate, GEICO, and Progressive. Although an insurance company may offer both car and trucking insurance, commercial coverage for trucking is much more expensive. An auto insurance company that offers car and trucking insurance may also allow you to bundle policies and discounts to get lower rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
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UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Not all car insurance companies offer both car and trucking insurance
- If you drive a truck for business purposes, you will need commercial trucking insurance
- Combine your personal car insurance policy with your trucking insurance policy for the most savings
The best car insurance companies offer drivers multiple types of policies. These include personal and commercial insurance policies.
Finding a car insurance company that offers car and trucking insurance can be a little tricky, but many of the top insurers offer both types of coverage.
Shop around to find the most affordable car insurance company that offers car and trucking insurance. Compare rates for both cars and trucks to find the best insurance companies for commercial vehicles and personal vehicles.
Enter your ZIP code to compare free quotes to find a car insurance company that offers car and trucking insurance in your area.
What car insurance companies offer car and trucking insurance?
Personal car insurance won’t cover a vehicle used for business purposes, such as a box truck or delivery van. So, you must have a separate commercial insurance policy for business use vehicles.
According to the American Trucking Associations, around 3.6 million people drive trucks. So if you own a car and a truck you use for business, it makes sense that you want to only use one insurance company.
The good news is that most of the top car insurance companies offer both car and trucking insurance.
Allstate, Nationwide, GEICO, and Progressive are just a few car insurance companies that offer car and trucking insurance.
To get an idea of how different car and trucking insurance rates are, we will compare costs.
Take a look at this table that shows average rates for personal car insurance from some of the top car insurance companies.
Average Annual Car Insurance Rates Based on Coverage Type
| Companies | Average Annual Rates for Low Coverage | Average Annual Rates for Medium Coverage | Average Annual Rates for High Coverage |
|---|---|---|---|
| Allstate | $4,628.03 | $4,896.81 | $5,139.02 |
| American Family | $3,368.49 | $3,544.37 | $3,416.40 |
| Farmers | $3,922.47 | $4,166.22 | $4,494.13 |
| Geico | $3,001.91 | $3,213.97 | $3,429.14 |
| Liberty Mutual | $5,805.75 | $6,058.57 | $6,356.04 |
| Nationwide | $3,394.83 | $3,449.80 | $3,505.37 |
| Progressive | $3,737.13 | $4,018.46 | $4,350.96 |
| State Farm | $3,055.40 | $3,269.80 | $3,454.80 |
| Travelers | $4,223.63 | $4,462.02 | $4,619.07 |
| USAA | $2,404.11 | $2,539.87 | $2,667.92 |
Trucking coverage is much more expensive even though the types of coverage available, such as liability, collision, and comprehensive, offer similar protection.
Commercial insurance can range anywhere from $2,000 – $18,000 a year depending on the insurer, truck, and cargo type.
Which company has the best commercial truck insurance will depend on many factors, including the type of truck and the cargo in the truck. Rates will vary a lot based on those factors.
Drivers with either very little driving history or a bad driving record will pay much higher rates regardless what type of car or truck they drive.
Finding no down payment commercial truck insurance is almost impossible and will have much higher rates if you do find it.
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When do you need commercial trucking insurance?
If you drive a truck for business purposes, then you will need commercial insurance. Commercial car insurance covers everything from a delivery van to a semi-truck.
However, not all commercial trucking insurance companies offer the same coverages.
For example, GEICO commercial truck insurance covers pickup trucks, box trucks, service utility trucks, and food trucks, but it doesn’t cover semi-trucks or tractor-trailers.
The type of vehicle you are insuring will help determine which commercial car insurance companies will offer you coverage. (For more information, read our “Best Commercial Car Insurance Coverage Company“)
Read more: Food Truck Insurance: What To Know & How To Save
How can drivers save money on car and trucking insurance?
Drivers who need trucking insurance can save money on coverage for trucks and cars alike. In fact, you can save on car insurance with the same tips.
First, take advantage of car insurance discounts. Most auto insurance companies offer multiple types of discounts, so you can take advantage of them for your personal policy and commercial policy.
This table shows the common discounts available from car insurance companies. The amount of the discount is listed if it is known.
Car Insurance Discounts by Company
| Car Insurance Discounts | Allstate (%) | American Family (%) | Farmers (%) | GEICO (%) | Liberty Mutual (%) | Nationwide (%) | Progressive (%) | State Farm (%) | Travelers (%) | USAA (%) |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | N/A | N/A | N/A | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Adaptive Headlights | N/A | N/A | ✗ | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Anti-lock Brakes | ✗ | ✗ | ✗ | 5 | 5 | 5 | ✗ | 5 | ✗ | ✗ |
| Anti-Theft | ✗ | ✗ | ✗ | 25 | 20 | 25 | ✗ | 15 | ✗ | ✗ |
| Claim Free | ✗ | ✗ | ✗ | 26 | ✗ | 10 | ✗ | 15 | 23 | 12 |
| Continuous Coverage | ✗ | ✗ | ✗ | ✗ | N/A | N/A | ✗ | N/A | 15 | N/A |
| Daytime Running Lights | ✗ | ✗ | ✗ | 1 | 5 | 5 | ✗ | N/A | x | ✗ |
| Defensive Driver | ✗ | ✗ | ✗ | ✗ | 10 | 5 | 10 | 5 | 10 | 3 |
| Distant Student | ✗ | ✗ | ✗ | ✗ | N/A | 10 | ✗ | x | 7 | ✗ |
| Driver's Ed | ✗ | ✗ | ✗ | ✗ | 10 | N/A | 10 | 15 | 8 | 3 |
| Driving Device/App | ✗ | ✗ | N/A | ✗ | 30 | 40 | 20 | 50 | 30 | 5 |
| Early Signing | ✗ | ✗ | ✗ | ✗ | N/A | 8 | ✗ | N/A | 10 | 12 |
| Electronic Stability Control | ✗ | ✗ | ✗ | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Emergency Deployment | N/A | N/A | N/A | 25 | N/A | N/A | N/A | N/A | N/A | N/A |
| Engaged Couple | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Family Legacy | N/A | ✗ | N/A | ✗ | N/A | N/A | ✗ | N/A | N/A | 10 |
| Family Plan | N/A | ✗ | ✗ | N/A | N/A | 25 | N/A | N/A | N/A | N/A |
| Farm Vehicle | ✗ | N/A | ✗ | ✗ | N/A | N/A | N/A | N/A | N/A | N/A |
| Fast 5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Federal Employee | N/A | N/A | ✗ | 8 | 10 | N/A | N/A | N/A | N/A | N/A |
| Forward Collision Warning | N/A | N/A | N/A | N/A | 5 | ✗ | ✗ | N/A | N/A | N/A |
| Full Payment | N/A | ✗ | ✗ | ✗ | $5 | N/A | ✗ | N/A | 7.5 | N/A |
| Further Education | N/A | N/A | N/A | ✗ | 10 | 15 | N/A | N/A | ✗ | N/A |
| Garaging/Storing | N/A | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | ✗ | 90 |
| Good Credit | ✗ | ✗ | N/A | N/A | N/A | ✗ | ✗ | ✗ | N/A | N/A |
| Good Student | ✗ | ✗ | ✗ | 15 | 22.5 | 10 | ✗ | 25 | 8 | 3 |
| Green Vehicle | ✗ | N/A | 5 | N/A | 10 | N/A | N/A | N/A | 10 | N/A |
| Homeowner | N/A | N/A | ✗ | ✗ | ✗ | 5 | ✗ | 3 | 5 | N/A |
| Lane Departure Warning | N/A | N/A | N/A | N/A | ✗ | ✗ | ✗ | N/A | N/A | N/A |
| Life Insurance | ✗ | N/A | N/A | N/A | N/A | ✗ | N/A | N/A | N/A | N/A |
| Low Mileage | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | 30 | ✗ | ✗ |
| Loyalty | N/A | ✗ | N/A | ✗ | N/A | 5 | ✗ | N/A | N/A | ✗ |
| Married | N/A | N/A | N/A | N/A | ✗ | ✗ | ✗ | ✗ | N/A | ✗ |
| Membership/Group | N/A | N/A | N/A | ✗ | 10 | 7 | N/A | N/A | ✗ | N/A |
| Military | ✗ | N/A | ✗ | 15 | 4 | N/A | N/A | ✗ | N/A | ✗ |
| Military Garaging | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 |
| Multiple Drivers | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Multiple Policies | 10 | 29 | ✗ | 10 | 20 | 10 | 12 | 17 | 13 | ✗ |
| Multiple Vehicles | ✗ | ✗ | ✗ | 25 | 10 | 20 | 10 | 20 | 8 | ✗ |
| New Address | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| New Customer/New Plan | N/A | N/A | N/A | N/A | ✗ | N/A | N/A | N/A | N/A | N/A |
| New Graduate | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newer Vehicle | ✗ | N/A | ✗ | ✗ | N/A | ✗ | ✗ | 40 | 10 | 12 |
| Newly Licensed | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Newlyweds | N/A | N/A | N/A | N/A | 5 | N/A | N/A | N/A | N/A | N/A |
| Non-Smoker/Non-Drinker | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Occasional Operator | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ✗ |
| Occupation | ✗ | N/A | ✗ | ✗ | 10 | 15 | N/A | N/A | ✗ | N/A |
| On-Time Payments | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15 | N/A |
| Online Shopper | N/A | N/A | N/A | N/A | N/A | N/A | 7 | N/A | N/A | N/A |
| Paperless Documents | ✗ | ✗ | ✗ | N/A | N/A | 5 | $50 | N/A | N/A | N/A |
| Paperless/Auto Billing | ✗ | ✗ | ✗ | N/A | ✗ | $30 | ✗ | $2 | 3 | 3 |
| Passive Restraint | ✗ | ✗ | ✗ | 40 | ✗ | 20 | ✗ | 40 | ✗ | ✗ |
| Recent Retirees | N/A | N/A | N/A | N/A | 4 | N/A | N/A | N/A | N/A | N/A |
| Renter | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Roadside Assistance | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Safe Driver | N/A | N/A | ✗ | 15 | N/A | 35 | 31 | 15 | 23 | 12 |
| Seat Belt Use | N/A | N/A | N/A | 15 | N/A | N/A | N/A | N/A | N/A | N/A |
| Senior Driver | ✗ | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | ✗ |
| Stable Residence | N/A | N/A | N/A | N/A | N/A | ✗ | ✗ | N/A | N/A | N/A |
| Students & Alumni | N/A | ✗ | N/A | ✗ | 10 | 7 | N/A | N/A | N/A | N/A |
| Switching Provider | N/A | ✗ | ✗ | N/A | 10 | N/A | ✗ | N/A | N/A | N/A |
| Utility Vehicle | ✗ | N/A | ✗ | ✗ | N/A | N/A | N/A | N/A | N/A | N/A |
| Vehicle Recovery | ✗ | ✗ | ✗ | 15 | 35 | 25 | ✗ | 5 | ✗ | ✗ |
| VIN Etching | N/A | N/A | ✗ | N/A | 5 | ✗ | ✗ | N/A | ✗ | ✗ |
| Volunteer | N/A | ✗ | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Young Driver | N/A | N/A | N/A | N/A | ✗ | N/A | ✗ | N/A | N/A | $75 |
Bundle your personal and commercial car insurance for the most savings.
Next, consider your deductible and coverage. Raising your deductibles and lowering your coverage will reduce your rates. However, you will have to pay more out-of-pocket if you are in an accident.
Your driving history, cargo, and type of vehicle will also affect your rates. Keep your driving record clean, don’t carry hazardous cargo, and buy a less expensive vehicle to lower your rates.
Case Study: Finding the Right Car Insurance Company for Car and Trucking Insurance
Case Study 1: Comprehensive Coverage for Personal and Commercial Vehicles
Sarah owns both a personal car and a truck for her business. She was looking for an insurance company that could provide coverage for both vehicles. After comparing rates and policies, she found that Allstate offered comprehensive car and trucking insurance at affordable rates. She decided to bundle her policies and take advantage of discounts, saving her money on her insurance.
Case Study 2: Personal Car Insurance With Limited Trucking Coverage
John operates a small delivery business using his personal car. He needed insurance that covered his business activities. However, he discovered that his current car insurance company only offered limited coverage for commercial use. He switched to GEICO, which provided comprehensive car and trucking insurance tailored to his business needs.
Case Study 3: Finding the Best Deal for Personal and Commercial Coverage
Emily owns a personal car and a truck that she uses for her construction business. She wanted to find an insurance company that offered competitive rates for both vehicles.
After comparing quotes from multiple insurers, she found that Progressive offered the most affordable rates for car and trucking insurance. She decided to switch to Progressive and consolidate her policies for better convenience and savings.
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Car Insurance Company that Offers Car and Trucking Insurance: The Bottom Line
Since most top companies offer personal and commercial coverage, getting stuck with a car insurance company that doesn’t offer car and trucking insurance isn’t a problem.
Although commercial insurance rates are much higher than personal rates, you can combine policies and take advantage of discounts to lower rates.
Shop around to find cheap commercial truck insurance to add to your personal car insurance. Every company will offer different rates so look at multiple companies to find your best deal.
Enter your ZIP code to compare rates from a car insurance company that offers car and trucking insurance with rates from other companies near you for free.
Frequently Asked Questions
What are some car insurance companies that offer car and trucking insurance?
Allstate, GEICO, Nationwide, and Progressive are a few car insurance companies that offer car and trucking insurance.
When do I need commercial trucking insurance?
You need commercial trucking insurance if you drive a truck for business purposes, such as a delivery van or semi-truck.
How can drivers save money on car and trucking insurance?
Drivers can save money on car and trucking insurance by taking advantage of discounts, bundling policies, and considering their deductible and coverage.
Is it possible to find no down payment commercial truck insurance?
Finding no down payment commercial truck insurance is almost impossible, and if found, will have much higher rates.
What is the best way to find affordable commercial truck insurance?
Shop around to find cheap commercial truck insurance to add to your personal car insurance. Every company will offer different rates, so look at multiple companies to find your best deal.
Can personal car insurance cover business use vehicles?
Personal car insurance won’t cover a vehicle used for business purposes, such as a box truck or delivery van. You must have a separate commercial insurance policy for business use vehicles.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.