Box Truck Insurance: Cost and Cheap Quotes from $11

Box trucks are as efficient as cargo vans when transporting light to medium-weight loads. These pick up where tractor-trailers and rail transportations leave-they move cargo to and from depots, warehouses, and distributors.

However, huge risks are still haunting the trucking industry- accidents, theft, fire, and legal claims. This is why insurance is a requirement when starting a box truck business (CDL/non CDL) or managing an existing one. 

You get comprehensive protection through a tailored box truck insurance package. You can use this to cover lawsuits, refund the value of the damaged cargo, take care of vehicular accidents, and other troubles. With insurance coverage, you protect your box truck business in California or any other place in the USA. 

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. 

Also read:

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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 bu

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

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