Box Truck Insurance: Cost and Cheap Quotes from $11

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

Box trucks are heroes in the world of haulage businesses. These behemoths pick up where tractor-trailer and rail transportations leave- They get goods from depots, warehouses, and distributors to the furthest receiver.

However, huge risks are still haunting the trucking industry- accidents, theft, fire, and legal claims. But don't worry, excellent box truck insurance will protect your business against all these risks.

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Box Truck Insurance Cost

Box truck insurance cost is $125 a month or $1,500 a year for a $1 million general liability coverage. Apart from other factors (mentioned below), the type of truck will determine box truck insurance cost per month or year:

  1. 26-foot box truck

  2. 16-foot box truck 

You may need extra coverages to bolster your protection. Here are some estimates of their cost:

  • Commercial box truck insurance offering primary liability policy is $416.66 a month or $5,000 a year

  • The average box truck insurance cost for a general liability policy is $25 a month or $300 a year

  • Cargo insurance for box truck cost $145.83  a month or $1,750 a year

  • The average cost of box truck insurance having physical damage coverage is usually $2,300 a year or $191.66 a month

  • The average insurance cost for box truck non-trucking liability policy is $41.66 a month or $500 a year

  • Workers compensation included in box truck business insurance is $3,000 a year or $250 a month

We also looked into the pricing of the best companies offering box truck insurance. The rates are reflected in the table below:

Monthly Rate Annual Rate
CoverWallet $125 $1,500
Progressive $180 $2,160
Geico $210 $2,520
State Farm $240 $2,880

Note that your actual box truck insurance rates depend on the provider and several factors such as:

Box Truck Value

Highly valued box trucks cost more to insure because they're more expensive to replace or repair. Similarly, your commercial insurance for box truck will be more expensive if your truck is older.   

Number of Box Trucks in Your Fleet

An increase in the number of trucks increases the risk of losses. Therefore, you'll need to spend more for box truck insurance coverage to protect your investment.

Business  Location

More traffic in urban areas leads to spikes in accidents. So if your business is in cities or towns, the premiums of your insurance on a box truck will most likely shoot up. 

Distance Travelled

The more the radius traveled, the more the chance of crashes and breakdowns. So the premiums might increase irrespective of your business location, especially if you're into interstate transportation.

Goods Being Hauled

Perishable, fragile, or expensive items increase premium rates. The contract your business has with your client can also determine commercial box truck insurance cost.

Length of operation

If a company is well-established with a clean loss record, its details and data will convince your insurer to lower the premiums.

26 Foot Box Truck Insurance Cost

The cost of  26ft box truck insurance is $231.75 a month or $2,781 a year for a $1 million general liability coverage. Pricing depends on your location and other factors we mentioned above. 

16 Foot Box Truck Insurance Cost

The cost of 16ft box truck insurance is $216 a month or $2,592 a year for a $1 million general liability coverage. Pricing depends on your location and other factors we mentioned above. 

Straight Truck Insurance Cost

Let’s get this crystal clear, straight truck insurance is the same as box truck insurance in the same way as a box truck is also called a straight truck. Therefore, the average cost is the same, which is $125 a month or $1,500 a year for a $1 million general liability coverage. 

Get the Cheapest Commercial Box Truck Insurance Quotes Online!

Our free and intuitive box truck insurance quote generator is waiting for you to use it. Look for the “Get Quotes” button on this page, click on it, and fill up the form. Shortly after, you’ll receive the cheap box truck insurance quote from different companies. In case you’re wondering, “Where to get box truck insurance near me?”, know that our quote generator can also help because it prioritizes sourcing the quotes of the nearest insurance companies from your location. 

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Compare Cheap Box Truck Insurance Quotes Online!

Get all the best quotes from leading providers in a click of a button!

Best Box Truck Insurance Companies

Let’s review the best insurance companies for box trucks. We believe that by doing so, we can help you avoid carriers that are only out for your money. Read to know the best companies' pros, cons, and monthly pricing for a $1 million general liability coverage. 

Coverwallet Box Truck Insurance

CoverWallet can assist in buying insurance for box truck business from different carriers within minutes. The basic coverage begins at only $125 per month. CoverWallet tops our list as the best carrier because it doesn’t only offer standard box truck insurance but also box truck cargo insurance. It even has an intuitive quote comparison tool you can use for free to find the cheapest commercial box truck insurance. 


  • Purchase a cover online quickly

  • Helps you get the best insurance for box trucks 

  • Instant quotes are available online

  • Many options for diverse trucks

  • Have bad driving or bad credit? There's insurance for you.


  • The platform isn't an individual carrier, it's an aggregate one

  • Sometimes, the pricing may take longer

Best For: Comparing insurance quotes for box trucks 

Average cost: $125 per month

Insuranks Rating: 10/10

Progressive Box Truck Insurance

Progressive boasts the largest market share in the US business insurance industry. This company offers non cdl box truck insurance and standard box truck insurance as well as other policies at attractive discounts.


  • Available in all 50 US states

  • A behemoth in the commercial vehicle insurance industry

  • Offers the best insurance for box trucks in terms of discounts

  • Provide a wide variety of policies for diverse trucks

  • Free federal and state coverage filings


  • Have to work with an agent

  • May apply travel radius

  • Limited allowable fleet size

Best for: High-risk drivers and people looking for a wide variety of policies

Average cost: $180 per month

Our rating: 8.6/10

Geico Box Truck Insurance

Geico is the second-largest insurer in the US and offers commercial truck insurance for box trucks. Available all over the US, it's popular among all commercial box truck insurance companies for offering cheap rates.


  • Robust mobile application and site

  • Available in all 50 US states

  • A plethora of discounts

  • Excellent customer satisfaction

  • Online self-service 


  • Limited local agent's network

Best for: A wide range of insurance policies

Average cost: $210 per month

Our rating: 2.8/10

State Farm Box Truck Insurance

Two of the past three years have witnessed top customer satisfaction and low client complaints in this carrier. Whether you desire to insure a single box truck or the whole fleet, they lead in providing customer satisfaction. If you’re looking for isuzu npr insurance , note that State Farm can get covered without a doubt. 


  • Top-in-class customer satisfaction

  • Available in all the 50 US states

  • Covers a wide range of trucks

  • Cargo Insurance for Box Truck


  • Lack online quotes

  • You work with an agent

  • Limited details on the internet

Best for: Affordable box truck insurance policies and generous discounts

Average cost: $240 per month

Our rating: 8.2/10

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Box Truck Insurance for Amazon

Amazon is an eCommerce behemoth that offers a wide variety of employment and business opportunities. Why not grab the opportunity of delivering the company's goods to customers through its Amazon Relay program?

The program offers everything from freight networks to driver apps to make your work a breeze. But you need to meet the program's insurance demands (among other requirements). Here are the required policies:

  • Commercial General Liability: at least $1 million per occurrence and $2 million in the aggregate

  • Auto Liability: at least $1million per occurrence

  • Cargo: at least $100,000

  • Workers' Compensation: coverages in all jurisdictions where you do business

  • Employer Liability: at least $100k per occurrence

Before taking out a box truck insurance, tell your insurer that your truck will be for Amazon commercial deliveries. They'll work with you to ensure the solution is tailored to your needs.

Box Truck Rental Insurance

It will help if you take out rental insurance when renting a box truck. This is offered as hired auto liability insurance. If you’re renting a box truck and cause an accident with it,  hired auto liability insurance will cover the medical expenses of injured third parties and reimburse the owners of damaged property. If you do some  research before purchasing insurance, you’ll discover that insurance companies offer additional options:

  • Limited damage waiver - Covers loss or damage to the rented truck

  • Cargo coverage - Reimburse the losses of your clients if their cargo becomes lost or damaged during the trip

  • Supplemental liability - States require truck leasing firms to provide minimum liability limits on every rental. You can take out supplemental liability insurance to cover extra liabilities

Box Truck Owner Operator Insurance

You've acquired a new box truck and are starting to move down your own road. Congratulations on being an owner-operator.

But first thing, which policy will provide help if the hour of need clocks in? Commercial auto insurance.

Box truck-owner operators like you will do fine with commercial auto insurance. Adequate commercial auto insurance provides the following coverage for your business:

  • Auto liability coverage - Auto liability coverage will help if your box truck causes an accident and injures third parties and damaged properties. This will provide money to pay for the medical expenses of persons injured and reimbursement for damaged properties
  • Physical damage coverage - Physical damage coverage mitigates the cost of your box truck’s parts repair or replacement. This has two forms -  collision and physical damage coverage.  Collision physical damage coverage will shoulder parts repair or replacement if your box truck incurred damage after crashing into an object or vehicle.  Comprehensive physical damage coverage, on the other hand, will take care of parts repair or replacement if your box was damaged by fire, theft, vandalism, and other covered perils 
  • Emergency roadside assistance - While hauling the cargo of clients, your box truck might suddenly stall or experience other issues. Emergency roadside assistance will recoup the resulting expenses of this situation. In particular, this coverage will reimburse what you spent on gas delivery, tire delivery and replacement, tire repair, towing, battery jump-start, and more 
  • Medical payments/personal injury protection  - Medical payments/personal injury protection will kick in if the box truck caused an accident or got involved in an accident and you sustained injuries. Medical payments coverage will cover your hospitalization and emergency treatment. It also covers funeral expenses in case of death. Personal injury protection does the same. However, it has additional perks such as lost income compensation, coverage on the expenses for after-hospital visits, and more

Commercial auto insurance is the first protection we recommend you get as a box truck owner-operator. However, it’s not the only insurance product useful in your line of work. Here are others you’ll find useful:

  • Non-trucking liability insurance - Non-trucking liability insurance will cover your financial liability over accidents your box truck caused while you’re using it for personal errands
  • Uninsured/underinsured motorist coverage - If you got involved in an accident another driver caused, uninsured/underinsured motorist coverage will shoulder expenses if the driver doesn’t have insurance or enough insurance to cover your claim

Insurance for Businesses Renting Our Box Trucks 

Insurance companies underwrite tailored insurance if you’re a business renting out box trucks for personal or commercial use. Primary inclusions are general liability insurance, commercial property insurance, and workers’ compensation insurance. 

General Liability Insurance

Your business that rents out box trucks to clients will harm third parties. This is why purchasing general liability insurance is crucial because it provides protection when aggrieved third parties decide to file a claim. The primary function of general liability insurance is to cover the following:

  • Third-party personal injuries - A third party might experience an accident within the premises of your business and sustain injuries. If the person decides to file a claim, general liability insurance will cover medical expenses on your behalf 

  • Third-party property damage - If not injuries, then the person might sustain property damage after experiencing an accident within the premises of your business that rents out box trucks. General liability insurance also covers this by reimbursing the value of the damaged property if the aggrieved party files a claim 

  • Legal defense costs  - General liability insurance will pay for attorney fees, administrative costs, payments the court awards, and other legal expenses if the aggrieved party decides to take legal action 

General liability insurance has an optional advertising injury coverage and rented premises liability coverage. Consider getting these if you want enhanced protection. The bullet below explains the functions of advertising injury coverage and rented premises liability coverage:

  • Advertising injury coverage - This will take care of attorney fees, administrative costs, settlements, and other legal expenses if your business renting out box trucks is sued for slander, libel, defamation, and other types of advertising or reputational harm 

  • Rented premises liability coverage - If you’re renting a commercial space, then rented premises liability coverage is useful. This will reimburse the landlord if the rented commercial space is damaged by fire due to your fault 

Commercial Property Insurance

Commercial property insurance safeguards your investments on the commercial space of your box truck rental business. This insurance ensures the survival of your business against the following perils:

  • Building destruction - Commercial property insurance will reimburse your losses if fire and extreme weather destroys your box truck rental business’s commercial space. The amount of insurance money you’ll get is equal to the destroyed property’s actual cash value or replacement cost 

  • Building damage - If fire, extreme weather, theft, vandalism, and other covered perils damage your business’s commercial space, commercial property insurance will provide the money you can use to get damaged structures fixed 

Note that commercial property insurance for box truck rental businesses comes with business equipment and tools coverage. Business equipment and tools coverage will reimburse your losses if the items you’re using to maintain each box truck become lost or damaged due to fire, theft, vandalism, and other covered perils

Workers’ Compensation Insurance 

You need workers’ compensation insurance if your box truck rental business has one or more employees. Workers' compensation ascertains that you don’t use business funds to cover the resulting expenses when an employee sustains a work-related injury or disease.  By having this insurance, you’ll enjoy coverage for:

  • Medical treatment/procedure - When your employee sustains injuries or becomes sick, workers' compensation insurance covers the cost of surgeries, therapies, and other medical treatment/procedures needed

  • Hospitalization - After undergoing a medical treatment/procedure, your employee might need to stay in the hospital for days, weeks, or months. Workers' compensation insurance provides help in this situation by covering the hospital bills 

  • Medication - Your box truck rental business’s employees will need medicines to heal a work-related injury or disease. Workers' compensation insurance provides the money that will cover expenses for medication 

  • Lost income compensation - Your employee might request leave to continue healing a work-related injury or disease. In such a case, your box rental business must cover lost wages as provided by law. Workers' compensation insurance takes care of this responsibility by providing a weekly allowance equal to two-thirds or 67% of the average weekly wage

  • Death benefits - Work-related injuries and illnesses will sometimes result in the death of your business’s employee. Workers' compensation insurance provides coverage in this situation by taking care of funeral expenses and giving financial aid to the deceased’s dependents

Though quite expensive, you should always invest in workers' compensation insurance. Work-related accidents are very common among box truck businesses like yours. Therefore, you’ll be sure to use your workers’ compensation insurance even if it seems that it’s not needed right now. If you find this hard to believe, here are some incident reports from the Occupational Safety and Health Administration:

Incident DateWhat Happened?Result 
July 7, 2021An employee was struck by a box truck that began to back up to leave for another worksite. The truck rolled over and dragged the employee approximately twenty feet. The truck driver realized a problem, discovered the employee under the truck, and used a forklift to raise the truck off the employee. Emergency medical services were called, and the employee was transported to the hospitalDeath
January 27, 2016An employee was walking out from a pedestrian ramp leading from the warehouse to the parking lot toward the kitchen when she walked in front of a refrigerated box truck that had just been serviced and was backing up. The truck struck the employee and ran her over. The driver stated that he felt a bump and when he got out of the truck to investigate, he discovered that he had backed over the employeeDeath
May 26, 2020An employee was a passenger in a box truck making delivery of construction equipment. For an unknown reason, the employee exited the vehicle prior to it coming to a stop. The employee fell and was struck by the back tires of the box truckDeath

Final Words

Be sure to compare the prices of insurance options before diving in with one. Insurance companies may suggest a quote that looks great and cheaper than their competitors.

Who doesn't want the most affordable box truck insurance? But befriend the age-old adage, "If a deal is too good, think twice. " Ensure the cover suits all your business needs to ensure it helps you when you need it the most.

Compare Cheap Box Truck Insurance Quotes Online!

Get all the best quotes from leading providers in a click of a button!

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