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We can help you get box truck insurance quotes to help you protect your business.

Getting commercial truck insurance might feel impossible. You might be wondering where to start with getting insurance for your straight truck. It might feel even more impossible to get cheap truck insurance, but that’s why we do what we do. Our goal is to help businesses like yours get affordable truck insurance and save money on their insurance rates.

What is a box truck?

Box trucks are closed-in trucks that are normally 13 feet to about 25 feet in length. They have a cab, and the back of the truck - the storage area - opens with a door that rolls upwards. Box trucks are so named because they have a very cube-like shape.

Are there any other names for box trucks? Yes. Yes there are!

Cube truck

Cube van

Straight truck

Box van

Rolling toaster

What kind of insurance do I need for a box truck?

Since every trucking business is different, every trucking business needs a unique truck insurance plan. You’ve got a lot of risks coming at you every day, but the right insurance can help protect you from them. Some common coverages that we see for straight trucks are…

Auto Liability

Auto liability insurance can help you cover the costs that you’re legally obligated to pay to someone if you’re at-fault in a car accident.

Bodily damage liability: Bodily damage liability can help you cover the medical expenses, pain and suffering, and lost wages of someone that you’ve injured in a car accident.

Property damage liability: Property damage liability can cover the costs of replacing or repairing a vehicle (or another piece of property like a fence) that you’ve damaged in a car accident.

Physical Damage Coverage

Physical damage coverage can help you get your truck back on the road ASAP if it’s damaged in an accident or by another mishap.

Collision coverage: Can cover expenses of repairing your box truck if you’re in a car accident or strike another object.

Comprehensive coverage: Can cover expenses of repairing your truck if it’s damaged by something other than a car accident. Comprehensive insurance usually covers vandalism, fire, and falling objects (like trees.) It can also cover theft.

Truckers General Liability

Truckers general liability can help you cover the costs that you’re legally obligated to pay to someone to whom you cause bodily injury or property damage because of the services that your business provides.

Cargo Insurance

Cargo coverage protects you against the loss of the load you’re hauling if it’s damaged by fire or collision. It can also cover you if your cargo is stolen.

Non-Trucking Liability

Covers your vehicles while they’re on the road but not on a job or dispatch.

How much does box truck insurance cost?

There are a lot of details that influence the cost of box truck insurance. An insurance company will want to look closely at your business before they decide if they want to insure your business and, if so, how much to charge you for your insurance.


Some factors that affect the cost of box truck insurance are…



Number of Trucks

Speeding Tickets

Accidents, Claims, & Losses

Your Type of Business & What You Haul

Your Location & Radius

Understanding why these factors influence your box truck insurance

Your drivers: The age, experience, and driving records of your drivers can have an influence on your rates. They’re the people operating your trucks, after all.

Your truck: The make, model, and year of your vehicle affect the cost of your straight truck insurance.

How many trucks you have: If you’re insuring multiple trucks, that can play a part in your rates.

Speeding tickets: Speeding tickets are seen as indicators of risk, so if you or your drivers have speeding tickets on your record, the insurance company may charge you more for your insurance.

Accidents/claims: Like speeding tickets, accidents and claims are seen as indicators of risk.

What kind of business you are/what you haul: The cargo that you carry will impact your insurance rates.

Where you’re located/Your radius: The location of your business has an impact on your rates.

Get quotes for box truck insurance.

The only way to get a truly accurate idea of how much box truck insurance costs is to get truck insurance quotes. Our team of transportation insurance experts is here to help you shop for the best possible rate. We’ve worked with many trucking businesses to help them get the insurance they need, so we understand the coverages that will protect your business. To get started with your truck insurance quotes, all you have to do is fill out our online form or give us a call today. We’re here to help you save money on your insurance and to make insurance easy.