Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Sep 30, 2021

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The Truth in a Nutshell

  • Progressive is one of the best-known car insurance companies that offer car and trucking insurance
  • However, other companies, like GEICO and Farmers, also provide both types of insurance
  • When deciding on a company, look for one that offers discounts for bundling your car and truck insurance
  • Basic commercial trucking insurance includes collision and comprehensive coverage

Looking for cheap commercial truck insurance? Finding companies that do both is one of the top insurance topics that drivers are searching for.

It can be hard to find car insurance companies that offer car and trucking insurance, and once you find those companies, how can you choose the best for your needs? How much will it cost and should you bundle the policies?

This guide will give you the answers you need.

You can get quotes right now using our free tool. Enter your ZIP code and find out how much it will cost to get insured with the top affordable car insurance companies that offer car and trucking insurance in your area.

Trucking Insurance Companies That Also Insure Cars

Both car and trucking insurance coverage are available from Allstate, Farmers, GEICO, Nationwide, and Progressive. If you’re deciding between these different providers, consider that Progressive is one of the country’s largest commercial truck insurers.

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How much does truck insurance cost?

As you might expect, trucks command a higher insurance rate than cars. They are still not that expensive to insure.

You can also take advantage of discounts such as multi-vehicle discounts or good driver discounts to keep costs down.

To give an idea of what different types of trucks cost to insure, here are some average rates for truck insurance by make and model.

Average Monthly Truck Insurance Rates by Make and Model
Vehicle Make and ModelAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Full Coverage Rates
Chevrolet Colorado$21$37$31$102
Chevrolet Silverado 1500 $27$47$35$124
Chevrolet Silverado 2500HD$30$57$35$138
Ford F-150$27$39$31$110
Ford F-Series Super Duty$27$51$39$132
Ford Ranger$21$39$31$105
GMC Sierra 1500$28$50$31$122
RAM 1500$30$47$35$127
RAM 3500$22$33$48$121
Toyota Tundra$28$44$35$122
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If you haven’t purchased a truck yet, you may want to go with a model that will cost less to insure.

Should I bundle my car and trucking insurance?

Consolidating multiple insurance policies often leads to discounts from many insurance companies. It’s a technique that a car insurance company uses to make you want to purchase more insurance policies.

Multi-line discounts are a term used to describe these savings.

If you run a small business, like many people searching for car and truck insurance coverage do, you’ll know how much hassle it is to keep multiple balls in the air.

You also know that sticking to a budget is crucial, and maybe you’re wondering if insurance is cheaper for cars or trucks?

It’s not just cheaper for cars or trucks to be insured with the same company. You can also simplify the management of your insurance coverage by keeping your car and truck insurance with the same provider.

With most policies being managed online, it’s one less piece of administration for you to do.

What are the types of commercial truck insurance?

Commercial trucking insurance companies, unlike car insurance companies, cover bigger vehicles. These are commonly used for business purposes, like working on farms or transportation of products.

If you want to see some real-life examples, here are the types of coverage commercial insurance will get you and some situations where they apply.

Commercial Auto Insurance Coverage Types
Basic Coverages of Commercial Auto Insurance Description Example Situation
Bodily injury and property damage liability Covers costs if you cause an accident that damages another driver's property or causes another driver injury. You rear-end another car, and the driver now needs a new bumper.
Collision Covers costs if you hit another vehicle or an object. You take out a fence post while backing out of the driveway.
ComprehensiveCovers costs of theft, vandalism, and natural disasters. Your truck's new company decal has been spray painted over.
Medical coverage Covers costs of medical bills if you are in an accident. Your flower van crashes into a mailbox, giving you a concussion.
Uninsured/Underinsured driver coverageCovers costs if the other driver who caused the accident can't pay your bills. The driver who took off your side mirror while pulling out doesn't have insurance.
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Like car insurance, you can choose from a variety of types of commercial insurance.

There’s uninsured and underinsured motorist coverage, property damage liability, personal injury, comprehensive, and collision coverage among the types available.

Your personal vehicle’s insurance covers you when you use the car for personal reasons, whereas commercial insurance covers you when you use a car or truck for commercial or business reasons.

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What should I look for in a car and trucking insurance company?

Look at the reputation of the company, its financial stability, what options for coverage it offers, and finally, its rates.

Reading reviews is a good way to make a decision, especially for bigger companies with lots of customers like Progressive.

You can read a Progressive insurance review to get an idea of if the company is right for you.

Car Insurance Companies That Offer Car and Trucking Insurance: The Bottom Line

Hopefully, you’ve learned everything you need to know about how to pick a car and trucking insurance company.

Enter your ZIP code into our free tool now to find out car insurance companies that offer car and trucking insurance rates in your city.

Frequently Asked Questions: Car Insurance Companies That Offer Car and Trucking Insurance

Got questions about car insurance companies that offer car and trucking insurance? We’ve got answers.

#1 – Can I get no down payment commercial truck insurance?

Unfortunately, there isn’t any insurance provider that will cover your truck without a down payment.