California Commercial Truck Insurance

California commercial truck coverage and filings

With more than 50 years of experience, you can trust Progressive Commercial for your California commercial truck insurance. We're the #1 truck insurer in America^Δ and have an A+ rating from A.M. Best.

Whether you're looking for  owner operator insurance,   motor carrier insurance, or   private carrier insurance, Progressive Commercial specializes in providing coverage for trucks and trailers of all sizes in California.

Trusted by over 1 million small businesses nationwide

California commercial truck insurance requirements

State and Federal Motor Carrier Safety Administration (FMCSA) insurance requirements for commercial trucking companies in california depend on your vehicle size, business type, and what you're hauling.

California law aligns with the FMCSA requirements. Trucks under 10,001 pounds transporting household goods must carry at least $300,000 primary liability coverage. For trucks over 10,000 pounds, the state mandates minimum coverage that ranges from $750,000 to $5,000,000 depending on the truck's cargo.

However, California defines cargo differently, with higher minimums for cargo insurance.

Our trucking insurance experts can help you find the right coverage to meet federal and state requirements and assess what other protections you might need on the road. You can also start a quote online to learn more.

California truck insurance filings

Progressive Commercial offers California state and federal insurance filings. Once you file for authority, we take care of the rest, including:

• ICC
• MCS90
• MCP65
• TL672
• TL676
• PL914
• TL1000
• MV23
• OL207
• SR22

Types of trucks we insure

Our commercial truck insurance covers a range of trucks, including:

• Box trucks
• Tractor trucks
• Dump trucks
• Tow trucks
• Garbage trucks
• Food trucks

Whether you have a single delivery van or several construction rigs, we have customizable insurance to protect your assets and provide liability coverage.

CA truck insurance coverages

Progressive Commercial offers the truck insurance coverages that California truckers need for protection on the road, including vehicle liability insurance, physical damage coverage, and protection against uninsured/underinsured motorists.

We also have additional options that can bring peace of mind to your next haul:

• Motor truck cargo insurance
• Trailer interchange coverage
• Heavy truck roadside assistance
• Rental reimbursement with downtime
• General liability insurance for truckers
• Non-trucking liability coverage

If you have specialized trucking insurance needs, we can tailor a policy that works for you, whether you need hotshot trucking insurance, refrigerated truck coverage, or insurance for a semi truck.

How much is commercial truck insurance in California?

What you'll pay for truck insurance depends on your trucking category and other factors. In 2024, our national average monthly cost for commercial truck insurance ranged from $746 for specialty truckers to $954 for transport truckers.^‡‡

The following features will help determine your rate:

U.S. Department of Transportation (USDOT) authority

If you're operating under a lease agreement with another carrier, your costs may be lower than if you drive under your own USDOT authority.

Coverage limits

California and federal regulations require trucks to carry minimum liability insurance. However, if you're found at fault for an accident that causes more damage than your policy limit, you'll be responsible for the difference. Higher limits offer more protection but typically result in increased premiums.

Coverage types

The coverages you select contribute to your rate. For example, a truck carrying only liability insurance will pay less than the same truck with additional coverages like collision, cargo insurance, and rental reimbursement with downtime.

Type of cargo

Transporting hazardous materials and high-value goods typically requires more protection to safeguard against damage, injury, or spills. Motor truck cargo insurance is a supplemental coverage that protects the freight you're hauling. It's not required by law, but it's often part of trucking contracts.

Operating radius

If your routes take you out of California, you'll typically need broader coverage and pay more for truck insurance than an intrastate trucker who drives within the state.

Type of truck

The kind of vehicle you operate affects your rate. Heavier trucks like tractor trailers usually need more liability coverage than smaller trucks under 10,001 pounds.

Driving history

A clean driving record with no accidents or violations can significantly reduce your California truck insurance costs and help you save hundreds or even thousands of dollars.

Get a California commercial truck insurance quote

Start a quote online for California commercial truck insurance with Progressive Commercial. You may be able to take advantage of special benefits and features designed just for our customers.

You can also call  1-888-806-9598 and speak to one of our trucking insurance representatives for expert guidance.

Insurance for all cities in California

We offer truck insurance in all California cities, such as:

• Anaheim
• Bakersfield
• Chula Vista
• Fremont
• Fresno
• Glendale
• Huntington Beach
• Long Beach
• Los Angeles
• Modesto
• Oakland
• Oxnard
• Riverside
• Sacramento
• San Bernardino
• San Diego
• San Francisco
• San Jose
• Santa Ana
• Stockton

We also offer truck insurance for the states bordering California, including Arizona, Nevada, and Oregon.

Common businesses that need commercial truck insurance in CA

We provide commercial truck insurance for a wide range of businesses that use trucking vehicles, including:

• General freight haulers
• Agriculture haulers
• Car haulers
• Dirt, sand, and gravel haulers
• Expeditors
• Log haulers
• Household movers
• Auto repair shops
• Towing services
• Roadside assistance

From San Francisco to Orange County, we provide commercial truck insurance tailored to the unique needs of California truckers. Get the protection you need by starting a quote today.