The Complete Guide to Truck Insurance: Everything You Need to Know About Commercial Trucking Coverage in 2025
Commercial truck insurance is one of the most critical investments for anyone operating in the trucking industry. Whether you're an owner-operator with a single rig or managing a large fleet, understanding truck insurance requirements, costs, and coverage options can save you thousands of dollars while protecting your business from devastating financial losses. What is Commercial Truck Insurance? Commercial truck insurance is specialized coverage designed for vehicles used in business operations, particularly those exceeding 26,001 pounds gross vehicle weight rating (GVWR). Unlike personal auto insurance, commercial truck insurance addresses the unique risks and legal requirements associated with operating large commercial vehicles. The trucking industry faces higher insurance costs due to the potential for severe accidents, cargo damage, and extensive liability exposure. A single accident involving an 80,000-pound tractor-trailer can result in millions of dollars ...