Best Car Insurance Company That Offers Car and Trucking Insurance (2022)

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.

Are you looking for free insurance quotes?

secured lock Secured with SHA-256 Encryption

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Full Bio →

Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

Advertiser Disclosure

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.

The Highlights

  • 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
CompaniesAverage 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption

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.

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 DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/Ax
Defensive Driver105105103
Distant StudentN/A10x7
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
Get Your Rates Quote Now

Compare RatesStart Now →

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.

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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

secured lock Secured with SHA-256 Encryption