Insurance for Your Truck in Maine, New Hampshire, Massachusetts, and Beyond

Local Insurance for Your Truck  

While there are many different types of trucks and various uses for them, truck insurance typically doesn’t vary much from generic auto insurance. From your daily “light” pickup truck, to a diesel-powered truck used for hauling, to a flatbed or tow truck, to a large semi-truck, there are numerous personal and commercial uses for your truck. Typically, no matter the application, there is a type of coverage that is appropriate for your needs.  With offices in Maine, New Hampshire, Massachusetts and more, request a quote for your truck or contact a local office.

Typical Coverages for Trucks  

Typical types of coverage that are available for trucks include, but are not limited to:

  • Liability

Liability coverage is insurance that aids you financially for legal and medical fees in the event that you are responsible for causing bodily injury to someone else or damage to their property. Liability coverage is critical, and legally it is a must have for being on the road. In fact, most U.S. states require all drivers to have liability insurance to drive.

  • Comprehensive & Collision

Collision coverage insurance is exactly what it sounds like, coverage for when an accident with another vehicle or certain objects occurs. Collision is important to have, as it helps cover the costs of repairs and possibly even cover the cost of replacing your truck (depending on the amount and type of coverage and subject to policy terms, conditions, and exclusions). One often overlooked fact is that it in the event of a vehicle-on-vehicle accident, collision insurance may cover certain costs regardless of who is at fault for the accident.

Whereas collision coverage typically covers vehicle-to-vehicle accidents, comprehensive coverage covers damage to your vehicle caused by things other than a collision, such as vandalism, theft, hail, fire, and accidents with animals.

  • Uninsured & Underinsured

An accident can be stressful enough, let alone discovering later that the other individual involved in the accident is either uninsured (meaning they do not have auto liability insurance) or underinsured (meaning they have liability insurance, but the liability limits aren’t enough to cover all of your damages). As the name implies, uninsured and underinsured motorist coverage provides you with compensation for your medical bills and pain and suffering (subject to policy limits, terms, conditions, and exclusions) when the other driver either lacks insurance or has an inadequate amount of insurance. It is important coverage to have, and in some states, it is legally required.

How Do You Know if You Need Commercial Auto Insurance?

If you use a truck for your business, commercial auto insurance may be recommended, even if you are leasing the vehicle. Commercial auto insurance policies typically have higher coverage limits than personal policies. If you are unsure if your business needs commercial auto coverage, consider if you use your truck for any of the following:

  • Transporting tools to a job site
  • Delivering goods to customers
  • Having an employee run an errand in the vehicle
  • Driving to different job sites in one day

Additionally, if your business transports goods across state lines, you may be required by law to carry commercial auto insurance.  

What Does Commercial Auto Insurance Cover?

Generally, commercial auto insurance covers things such as medical expenses for individuals who are injured in an accident involving your business vehicles, property damage from auto accidents, and damage to your business vehicles from certain covered weather events. Some other common commercial auto insurance coverages are:

  • Collision coverage
  • Hired Auto
  • Non-Owned Auto
  • Combined Single Limit
  • Uninsured Motorist Coverage

How much is Insurance for Personal or Commercial Trucks?

Just like any auto insurance coverage, the price of insurance for your truck can vary depending on a variety of factors. To help prepare you for getting your quote, here are some factors that you will need to discuss with your local Cross Insurance agent.

  • The make and model of your truck. A newer and more expensive truck will typically tend to raise your rates compared to an older truck.
  • The state that you live in will also affect your quote. With each state having different laws and regulations that drivers must follow, this can alter rates.
  • Where and how much will you be driving your truck? Will you be using your truck for daily use such as to and from work, or for commercial purposes?
  • The age, gender, marriage status, and education of the driver can also affect your quote. Just as with regular car insurance, the background of the driver affects the insurance.
  • Your personal driving record will also factor into your costs. Having prior tickets or violations can potentially raise your rates.

Reach out to one of our offices to get a quote today.

What Costs More to Insure? Trucks or Cars?

Insurance companies look at various factors to determine insurance rates. Some of those are listed above, and additionally there are other components that they may consider. For example, there are vehicle specific elements, such as safety ratings, vehicle weight, size, and potential damage the vehicle could inflict if involved in an incident. As a result, trucks typically cost more to insure than you average sedan, due to their size and capability of imposing a higher amount of damage.

Is Insurance Higher for Diesel Trucks?

Diesel trucks can potentially be more expensive to insure than a “light” duty pickup, not because of the different fuel they consume, but because of the costs associated with a diesel truck. The purchase and repair costs of diesel trucks and their parts tend to cost more than the average gas-powered truck, and as a result, the more expensive the insurance typically is.

Ways to Save on Insurance for your Truck

If you are looking for ways to save on insurance for your car or truck, there are various methods to try and lower your rate. Some of these strategies include using an independent insurance agent, taking advantage of multi-policy discounts, focusing on your credit score, paying your bill in full, and researching before you buy. These are just a few of the various methods that you can read more about in our other article: How to Save on Car Insurance – Tips for Lowering Your Rate.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.


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