State Farm commercial truck insurance

What State Farm commercial auto insurance covers

The State Farm commercial auto product applies to vehicles a business owns or leases for its work. Artisan and service contractors come first among the business types State Farm names, then farmers and ranchers, florists, and caterers. Companies that move other people's freight for pay, which is what for-hire means in trucking, are not named on the page.

A policy may include the following coverages:

• Liability: covers another party's medical bills, vehicle repairs, and property damage when the fault is yours.
• Collision: covers damage to a covered vehicle, rollover damage included.
• Uninsured and underinsured motorist: helps when the other driver carries no insurance or not enough of it.
• Employers' non-owned and hired car: covers vehicles your business uses without owning them, such as an employee's personal car or a rental.

What is available depends on the state, so your local choices may look different.

How much does State Farm commercial truck insurance cost?

The company does not publish commercial truck prices. According to the company, cost depends on the number of vehicles insured, their value, the miles they travel, and the industry involved.

Other companies publish national average figures that give you a general sense of trucking business costs. None of these figures come from State Farm.

The Drive Safe & Save discount program

This telematics program covers small to medium commercial vehicles such as cargo vans, box trucks, and flatbeds. In simple terms, telematics uses a device or app to record driving behavior, and that data plays a part in your price. Whether a vehicle qualifies comes down to its weight rating, body style, and business use.

Every enrolled vehicle receives a 1-time price decrease for signing up. When the policy renews, that adjustment might rise, fall, or remain steady, so the program does not always mean a lower price later on.

Is cargo covered under State Farm box truck insurance?

State Farm includes box trucks among its covered vehicles, yet the commercial auto policy protects the truck rather than all of its contents. According to State Farm, tools and equipment that are not permanently fixed to the vehicle usually belong under a commercial inland marine policy.

Inland marine is a stand-alone policy for company property that travels from location to location. State Farm's inland marine product includes a motor truck cargo form covering cargo you haul yourself. To have both the vehicle and its contents protected, talk with the agent about both policies.

How to file a State Farm commercial truck insurance claim

You can file a claim online or through the State Farm app. Your agent can also help you through the process, since agents handle policies for State Farm businesses.

Federal liability minimums for trucks hauling for hire

When you haul freight for pay between states under your own operating authority, federal rules set the smallest amount of liability coverage you must maintain. GVWR, short for gross vehicle weight rating, is the maximum loaded weight a truck is rated for by its manufacturer. Look for that figure on the label inside the driver's door.

Your insurer sends proof of that coverage to FMCSA, the federal agency in charge of trucking, by submitting Form BMC-91 or BMC-91X. Brokers frequently ask for limits above what federal rules require. C.H. Robinson, TQL, and Uber Freight each require $1,000,000 in auto liability plus $100,000 in cargo coverage.

Where to find State Farm commercial truck insurance contacts and agents

On its business pages, State Farm points you toward a local agent for details about small business options, instead of a single central quote line. Their website helps you locate the closest agent.

If your trucking business falls outside the categories State Farm names, you might work with an agent who places policies from several different insurers.

Questions people often ask