Founded
1937
Monthly Range
$800-2,500/mo
Coverage Types
5
Deductible
$1,000-5,000
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Our Review
Progressive Commercial is the largest commercial auto insurer in the United States, covering everything from single owner-operators to large fleets. Their digital-first approach, competitive quoting engine, and wide range of coverage options make them the go-to for truckers who want a streamlined insurance experience. Progressive writes policies in all 50 states and handles claims through a dedicated commercial team separate from their personal auto division.
Pros
- Largest commercial auto insurer with deep underwriting expertise across all truck classes
- Online quoting tool provides instant estimates without requiring a phone call
- Flexible payment options including monthly, quarterly, and pay-in-full discounts
- Broad coverage menu including primary liability, physical damage, cargo, bobtail, and NTL
- Smart Haul telematics program offers premium discounts for safe driving behavior
Cons
- Premiums can run higher than regional carriers, especially for new authority holders
- Claims process can feel bureaucratic with multiple handoffs on complex claims
- Limited appetite for hazmat or oversized/overweight loads in certain states
- Telematics discount requires installing their monitoring device in the cab
Our Verdict
Progressive Commercial earns our Best Overall pick because they combine broad coverage options, a genuinely useful online quoting experience, and the financial stability of the nation's largest commercial auto insurer. They're not the cheapest option for every trucker — regional carriers may beat them on price in certain lanes — but the consistency of their underwriting, the depth of their coverage menu, and the quality of their digital tools make them the safest choice for most owner-operators and small fleets. The Smart Haul telematics program is a nice bonus for drivers confident in their safety record.
Pricing & Premiums
Monthly Premium
$800-2,500/mo
Deductible Range
$1,000-5,000
Progressive prices policies based on driver experience, MVR, equipment age, radius of operation, and cargo type. New authority holders typically pay at the higher end of the range. Multi-truck policies and clean driving records can bring premiums down significantly. They offer a pay-in-full discount of roughly 5-8% and accept EFT, credit card, and premium financing.
Coverage Types Available
- Primary Liability
- Physical Damage
- Cargo
- Bobtail
- Non-Trucking Liability
Coverage Options
- Primary Liability
- Physical Damage
- Cargo
- Bobtail
- Non-Trucking Liability
Feature Comparison
| 24/7 Claims | |
| In-House Claims | |
| Risk Management | |
| Safety Programs | |
| Online Portal | |
| Mobile App | |
| Flexible Payment | |
| Multi-Truck Discount |