Nationwide commercial truck insurance
The call goes to an independent agency, not to Nationwide.
- Semi-trucks and tractor trailers: not covered
- Biggest truck class offered: box trucks from 10,001 to 20,000 pounds
- Suggested liability limit: at least $500,000 for each vehicle
- Insurance rating from AM Best: A (Excellent), affirmed 11/7/25
Minimum liability coverage per vehicle recommended by Nationwide.
nationwide.comTop weight for medium box trucks in Nationwide fleet guides.
nationwide.comAM Best financial strength rating affirmed on 11/7/25.
nationwide.comFederal liability minimum for interstate trucks from 10,001 lbs.
49 CFR 387.9Hotshot and truck coverage cost per month
| A month | Applies to | Source |
|---|---|---|
| $665 to $1,165 | An established hotshot business with a clean driving record | Trucking Insurance Services |
| $1,000 to $1,800 | A hotshot in the first two years with your own new MC number | Trucker Path Insurance |
An agent prices your own truck, record and routes; Nationwide quotes can land above or below these ranges.
Nationwide offers commercial truck insurance for business vehicles such as pickups, vans, utility trucks, and box trucks. Semi-trucks and tractor trailers fall outside what it insures. Since rates are not posted online, you would need to speak with an agent for a quote.
What affects the price
Nationwide doesn't list monthly price averages online because commercial policies require a custom quote from an agent or via 1-866-238-3357. Your monthly payment depends on your truck's gross weight, the coverages you pick, your personal and business credit reports, and your commercial claims over the past 3 years. So there is no Nationwide rate chart available for comparison.
Nationwide says the gross weight of the vehicle affects the price, especially for trucks. A truck's gross vehicle weight rating tells you the maximum weight it is rated for once loaded, cargo included. Nationwide's fleet insurance article groups trucks by weight like this:
| Kind of truck | Weight class Nationwide uses |
|---|---|
| Pickups and flatbed trucks | Light trucks: 10,000 pounds or less |
| Box trucks | Medium class: 10,001 to 20,000 pounds |
Nationwide also runs a credit report on you and the business during the quoting process.
For a rough sense of what truck coverage costs across the market, hotshot truckers pay about $896 a month on average. That's an industry-wide figure, not Nationwide's price.
Coverage types in a truck policy
LiabilityPays for injuries and damage your truck causes to other people. The federal minimum is $300,000 to $5,000,000.
Motor truck cargoPays for the load you haul if it is damaged or stolen. Most brokers ask for $100,000.
Physical damageRepairs or replaces your own truck and trailer after a crash, fire or theft.
Non-trucking liabilityCovers a driver working for a trucking company who uses the truck between loads, off the job.
BobtailCovers a truck you drive for a trucking company when it has no trailer, such as a pickup heading home after dropping a load.
Trailer interchangePays for damage to a trailer you pull for someone else under a written trailer-sharing agreement.
How claims affect your price and repairs
Claims history plays into the quote. Nationwide asks for your commercial claims from the past 3 years before it sets a policy price.
Repairs completed at a shop within Nationwide's On Your Side Auto Repair Network come with a written guarantee that lasts as long as you own or lease the vehicle. The guarantee only applies at network shops, so it's worth asking your agent for one near you before you book a repair.
Calling for a quote
If your business runs pickups, vans, utility trucks, or box trucks, you need to contact a Nationwide agent for an accurate quote or call their sales line at 1-866-238-3357. Gather your vehicle details and 3 years of loss history before reaching out so the quote matches your actual records. That number handles new quotes, because Nationwide says getting an accurate commercial auto price takes an agent.
If you operate a semi or tractor trailer, calling Nationwide will not lead to a policy, since those vehicles are not covered there. An independent agent who writes truck policies can look at other insurers for you.
What the business auto policy covers
The business auto policy from Nationwide applies to vehicles your business owns, leases, borrows, or rents. Listed vehicle types include:
- Cars
- Cargo vans and work vans
- Pickups
- Utility trucks
- Box trucks
A standard policy usually includes:
- Auto liability, which covers injuries and damage you cause to others in a crash
- Medical payments
- Comprehensive, which pays for theft, fire, and other damage not tied to a crash
- Collision
- Protection for uninsured and underinsured motorists, which helps when the other driver carries too little insurance or none at all
The policy may also cover borrowed or rented cars, plus employees who drive their own cars on business errands. Nationwide suggests at least $500,000 for each vehicle's liability coverage.
Does Nationwide sell semi truck insurance?
No. According to Nationwide's commercial auto FAQ, semi-trucks and tractor trailers are not covered. The biggest class it lists is medium trucks weighing 10,001 to 20,000 pounds, which includes box trucks.
Federal liability minimums for trucks
Federal rules set a liability floor for anyone hauling for hire, meaning you transport another party's freight for payment. For interstate hauling, the rules look like this:
| Type of operation | Required liability limit |
|---|---|
| Fleet of only vehicles under 10,001 pounds, carrying non-hazardous freight | $300,000 |
| Any single vehicle of 10,001 pounds or more, hauling non-hazardous freight | $750,000 |
| Hauling oil, hazardous waste, or other listed hazardous materials | $1,000,000 |
| Bulk shipments of hazardous substances, such as cargo tanks, on vehicles rated 10,001 pounds or above | $5,000,000 |
The $500,000 figure Nationwide recommends sits above the $300,000 minimum for light fleets, yet under the $750,000 minimum that applies to larger trucks used for-hire.
Insurers that write small trucks and hotshots
One independent agent can quote several of these for the same truck. Logos belong to their owners; none of these companies runs this site.
Questions people often ask
Which insurance company is best for commercial trucks?
The best choice depends on the truck. Nationwide's property and casualty companies carry an AM Best rating of A (Excellent), the third highest among 13, as AM Best affirmed on Nov. 7, 2025. Because semis are not covered, owners of heavy trucks need a carrier that insures tractors.
What does a $1,000,000 liability policy cost?
Pricing depends on your truck, record, and freight, so there is no fixed amount. That limit is common among brokers: C.H. Robinson, TQL, and Amazon Relay each ask carriers for $1,000,000 of auto liability coverage plus $100,000 for cargo.
What is the monthly cost of commercial truck insurance?
According to Progressive Commercial, national averages range from $734 a month for specialty truckers and $926 for transport truckers. Your own quote may land above or below that range.
Sources
Related
Compare Nationwide with other quotes
Our line reaches an independent insurance agent, not Nationwide. Tell them how you run, your truck and trailer, and the state you are based in.
Call an independent agent: +1 866 403 5064
Hotshot Insure passes your request to one truck insurance agency. We do not sell or quote insurance. An insurance agent quotes your truck.