Car Insurance for Truck Drivers

The average cost of car insurance for truck drivers is $954/yr, or $79 a month. Accident claims on truck driver auto insurance plans can affect their CDL. Even when operating your personal vehicle, your driving will be carefully scrutinized because you hold that CDL. Truck drivers can keep personal car insurance rates reasonable and reduce the risk of CDL revocation by keeping a clean driving record.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 31, 2020

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Things to know...

  • Even when operating your personal vehicle, your driving will be carefully scrutinized because you hold that CDL
  • Just holding a CDL will not necessarily affect rates for car insurance for truck drivers
  • Consider purchasing high liability and medical payment coverages on personal car insurance to protect property not protected by laws in your state
  • Take ample time to research

Personal car insurance for truck drivers doesn’t have to be a headache. Most truck drivers want to know if having a CDL will affect the type and price of coverage they need for their car or pickup.

That is only one of the questions new truckers ask, so perhaps you’d like to know a few key facts about personal car insurance for truck drivers (if you live in Britain, look for personal car insurance for lorry drivers). Read on to learn more about cheap car insurance for truck drivers.

Compare car insurance quotes to find the best rates for truck drivers. Enter your zip code above to begin.

Truck Driver Car Insurance

Take a look at the table below to see the cost of car insurance coverages for drivers.

Car Insurance Rates
CoverageCountrywide Average
Liability $516.39
Collision $299.73
Comprehensive $138.87
Total $954.99
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Shopping around will ensure that you find the cheapest truck driver auto insurance.

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Driving Record and Car Insurance Rates

Having a clean driving record will get you far, both personally as well as professionally, in terms of the cost and coverage of car insurance. While you can always compare rates between insurance providers, the one consistency is that a safe driving record, no matter what state you live in, will be reflected in the cost of coverage.

Even what you consider to be a small infraction in your state can be huge with insurance providers when they check the DMV point system for your record. It’s all about risk, and if that infraction increases the risk they are being asked to insure, your premiums will rise accordingly. The table below shows how much rates will rise.

Driving Record and Car Insurance Rates
Company Clean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$3,819.90$4,483.51$4,987.68$6,260.73
American Family$2,693.61$3,025.74$3,722.75$4,330.24
Farmers$3,460.60$4,079.01$4,518.73$4,718.75
GEICO$2,145.96$2,645.43$3,192.77$4,875.87
Liberty Mutual$4,774.30$5,701.26$6,204.78$7,613.48
Nationwide$2,746.18$3,113.68$3,396.95$4,543.20
Progressive$3,393.09$4,002.28$4,777.04$3,969.65
State Farm$2,821.18$3,186.01$3,396.01$3,636.80
Travelers$3,447.69$4,260.80$4,289.74$5,741.40
USAA$1,933.68$2,193.25$2,516.24$3,506.03
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Keep in mind that accidents or infractions on your personal insurance can affect your CDL license. According to NOLO, getting multiple speeding tickets can result in CDL revocation. So keeping a clean driving record will keep both your personal insurance rates down and ensure you don’t lose your CDL.

If you are ready to start shopping for cheap car insurance for professional drivers, enter your ZIP code in the box below.

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Special Rates on Personal Car Insurance for CDL Drivers

You might imagine that you now qualify for cheaper truck driver insurance because you have passed state and federal driving tests, both written and practical. Unfortunately, this really isn’t going to be the case.

Once again, your driving record will have a significant impact on rates, but there are other factors to consider as well. These factors include:

  • Where you live
  • Age and gender
  • Type of car being insured
  • Amount of time and distances you drive
  • Multi-vehicle coverage
  • Deductibles and total coverage
  • Credit ratings

And, these are just some of the factors affecting rates you may be quoted.

Simply put, you will not necessarily qualify for cheaper insurance rates just because you hold what is considered to be a professional license.

Some insurance providers may offer a slight discount if you hold a CDL, but it varies from company to company.

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Higher Liability Limits for Personal Car Insurance for CDL Drivers

There is something else you may also wish to consider when choosing liability limits on your personal vehicles. While this won’t apply to all professional truckers, it may have a significant impact on those who own their own rigs but drive for companies they don’t personally own.

Does car insurance cover costs if you are at-fault? If you should be involved in an at-fault accident in your personal vehicle, and the amount of damage is greater than your liability or medical coverage limits, you can be held personally responsible for the difference.

Can a court of law require that you liquidate personal assets to cover those losses? This answer could get tricky if your rig is not considered company/corporate property.

You may wish to opt for umbrella liability coverage that pays amounts greater than what your personal car insurance covers. Most insurance companies offer this coverage, so take the time to check availability and cost when comparing rates.

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Research on Customer Feedback for Car Insurance

While this information is by no means exhaustive on car insurance for truck drivers, it should at least impress upon you the importance of doing the legwork. It is vital that you:

  • Maintain a safe driving record.
  • Understand driving laws in your state.
  • Consider higher limits on personal car insurance coverage.
  • Carefully weigh cost against coverage – protection is of ultimate importance.

You may also wish to join a few truckers’ forums to see what others are saying in terms of cost, service, and reliability within insurers they have dealt with.

Sometimes, the answer you seek when shopping for car insurance can be found by learning from the experiences of others.

Compare free quotes and weigh your coverage options with your budget. While you may wind up paying slightly more for the highest quality protection, your safety and financial security are far more valuable than a few extra bucks in the bank.

Compare car insurance quotes today to find the best rates whether you are looking for truck driver insurance quotes for new CDL drivers or experienced CDL drivers. Enter your zip code below to begin.

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