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Whether you need commercial vehicle insurance or a combination of coverages.
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Give us a call for expert advice: 1-800-552-1041.


Location also affects a business’s commercial auto insurance cost. You might pay more to insure a commercial vehicle in a large city than one in a rural area. Places with above average claims could also cost your business more.


Your vehicle’s age, size and purpose influence your premium.  Coverage choice matters, too. For example, if you choose to carry physical damage coverage, your vehicle’s value will be factored into your insurance cost.

Driving history

Driving history is also important to most insurance companies. These carriers will run a motor vehicle report for all drivers with access to your commercial vehicle. Drivers with multiple accidents or violations will have a negative impact on your premium. Insurers usually take the past three years of driving history into account.

Coverage needs

Your coverage needs impact what you’ll pay. Your commercial auto insurance cost will increase with more coverage. For example, a $1 million liability policy will have a significantly higher premium than a policy with state minimum liability limits.

Finding the cheapest commercial auto insurance is important, but customers shouldn’t compromise good coverage to get it. The right insurance can protect your small business from high out-of-pocket costs after an accident without breaking your budget.

Stone Road Insurance can help you customize your company’s policy to increase savings and provide the best coverage for your specific risks.

There are several ways to get the cheapest commercial auto insurance for your business.

Maintain a clean driving record

Your driving history has one of the largest impacts on your premium. Even a small moving violation can significantly affect your rate. Your rates can remain low if you and your employees have safe driving habits. They could also improve over time with an accident-free driving record.

Adjust your coverage limits and deductibles

Adjusting your coverage limits and deductibles is another way to save on your commercial auto premium. For example, you could decrease your combined single limit (CSL) from 1,000,000 to 750,00, which lowers your coverage for multi-person accidents from $1,000,000 to $750,000. You could also get cheaper commercial auto insurance by increasing your physical damage deductible. A higher deductible requires you to pay more out-of-pocket after a covered accident.

Be sure you’re comfortable with the amounts you select prior to buying a policy.

If you’re an owner-operator driving on lease to a motor carrier who provides your primary liability, you might need to carry your own physical damage coverage to protect your truck.

Why is this? Typically, a motor carrier provides primary liability coverage for owner-operators, but not necessarily physical damage coverage. When you maintain physical damage on your policy, The Insurance Carrier will pay for damages to your truck caused by a collision, overturn, theft or natural disaster – even if you experience a total loss. In addition, this coverage isn’t bound by any radius restrictions.

Ways to save

  • We offer physical damage rates as low as 3.5% of your vehicle’s stated amount
  • Adjust your deductibles—as low as $1,000 and as high as $5,000—to meet your needs

Whether you drive an 18 wheeler with a dump body trailer or a pickup truck with a utility trailer, Stone Road Insurance offers affordable trailer insurance coverage options to meet your needs. View a complete list of vehicles we insure or businesses we insure.

Common trailers we insure

Stone Road Insurance offers commercial truck insurance for the following tractor trailers:

Auto hauler trailer

Auto hauler trailers, also known as car haulers, come in many different shapes and sizes. Whether you pull one vehicle or five, Stone Road Insurance can cover you, your vehicle and the vehicles you transport with customized cargo insurance.

Dry freight trailer

These are typically used to haul commodities from paper and plastic to the miscellaneous goods found at your favorite store. The enclosed structure of the trailer protects the goods you’re hauling from the elements while our motor truck cargo insurance can protect them from other risks.

Flatbed trailer

Flatbed trailers are commonly used to haul goods such as raw and coiled steel. The openness of the trailer allows you to haul oversized loads which leaves you vulnerable to bad weather but don’t worry, because we’ll cover your cargo.

Utility trailer

These are typically smaller trailers commonly used by landscapers, construction workers, and others who haul tools and small equipment. As with other trailers, we’ll also cover your cargo.

If you’re working under your own authority, you’ll need to carry your own commercial truck insurance coverages, including:

  • Liability – Pays for damages that you cause to other people and their property. It normally includes Bodily Injury Liability and Property Damage coverages.
  • Physical Damage – Pays for repairs to your truck if it’s damaged in an accident, whether it’s caused by a collision with another vehicle or a falling tree branch.
  • Motor Truck Cargo – Coverage for loss or damage to the load you’re hauling.
  • Motor Truck General Liability – Pays for injuries or property damage you cause because of business activities not directly related to using your truck.

This isn’t an all-inclusive list. The FMCSA and certain contracts likely have specific owner operator insurance requirements you’ll need to meet before you can start working. Make sure you’ve got the proper coverages in place before hitting the road.

Owner operator insurance cost

Several factors influence the cost of owner operator truck insurance, including:

  • Business type
  • Vehicle
  • Location
  • Coverage needs
  • Driving history
  • Operating radius

We offer an unlimited radius in most states for super regional truckers who need primary liability coverage. A policy must have at least one semi-truck tractor listed and an operating radius of greater than 500 miles to be considered super regional. Radius is calculated as the crow flies instead of in road miles.

We currently don’t offer super regional trucking in Alaska, Hawaii, Louisiana or New York, but it’s good to check with us since this can change. Keep in mind, this restriction only applies to semi-truck tractors needing an unlimited radius.

The radius restriction doesn’t apply if you only need a physical damage policy or non-truck policy.

What you can expect from our commercial claims process:

  • Speed – Compared to companies that hire independent adjusters to process their claims, Progressive gains an edge in speed by handling all truck insurance claims in-house. Using all in-house adjusters allows us to maintain a single standard of quality that companies using independent adjusters lack.
  • Quality – Our adjusters are trained through our Professional Development Program. This includes training by experts on relevant commercial equipment that goes beyond “learn as you go” training. Our experienced adjusters provide consistent, comprehensive oversight and file audits to maintain our standards. We’re also the only insurer with its own truck physical damage claims training facility.
  • Efficiency – We manage repairs for you. We provide a single point of contact for our customers when they report a truck claim. This prevents customers from dealing with multiple representatives that can result in frustration and costly delays. This one-to-one representative handles repair management from the beginning to the end of the repair process.
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