Whether you're delivering packages across town or hauling freight across state lines, your box truck is more than a vehicle — it’s your livelihood. That’s why having the right box truck insurance isn’t just a good idea — it’s a must.
But how much should you really be paying for coverage? And what exactly does box truck insurance include?
Let’s break it all down.
What Is Box Truck Insurance?
Box truck insurance is a specialized commercial auto insurance policy designed for vehicles with a cargo area separated from the cab — often used for moving, deliveries, and freight. Whether you’re an independent owner-operator or running a small fleet, box truck insurance helps protect you, your vehicle, your cargo, and others on the road.
What Does It Cover?
Here’s what a solid box truck insurance policy typically includes:
Liability Insurance: Covers injuries or property damage to others if you’re at fault in an accident.
Physical Damage Coverage: Pays for repairs to your truck (collision and comprehensive).
Cargo Insurance: Protects the goods you're hauling.
Uninsured/Underinsured Motorist: Helps if you're hit by someone without enough coverage.
Medical Payments or Personal Injury Protection (PIP): Covers medical expenses for you and your passengers.
General Liability (if needed): Especially useful if you’re doing deliveries or pickups at customer locations.
How Much Does Box Truck Insurance Cost?
Here's the big question: How much should you be paying?
On average, box truck insurance costs between $3,000 and $6,000 per year per truck for owner-operators. That breaks down to about $250 to $500 per month.
However, several factors can cause this number to go up or down:
Factors That Affect Your Premium:
Driving History: Clean records = lower rates.
Location: Urban areas tend to cost more due to higher traffic and accident rates.
Truck Size & Weight: Heavier trucks usually cost more to insure.
Cargo Type: Hauling high-value or hazardous materials increases risk.
Coverage Limits: Higher limits mean higher premiums — but also more protection.
Business Type: Local delivery, long-haul freight, or moving services all affect pricing.
Tips to Save on Box Truck Insurance
At Stone Era Insurance Agency, we believe you shouldn’t overpay for peace of mind. Here are a few tips to help lower your rates:
✅ Bundle your policies (like general liability and workers’ comp).
✅ Maintain a clean driving record.
✅ Choose higher deductibles (if financially manageable).
✅ Ask about discounts for safety features or driver training.
✅ Review and adjust your coverage annually.
Why Choose Stone Era Insurance Agency?
We get it — insurance is complicated. But it doesn’t have to be.
At Stone Era Insurance Agency, we specialize in helping truckers, movers, and delivery drivers find reliable, affordable coverage. Our team understands the trucking industry, and we work with top-rated carriers to get you the best deal without compromising protection.
We’re not just agents. We’re partners in keeping your business on the road — safely and affordably.
Final Thoughts
Don’t leave your business exposed. The right box truck insurance could be the difference between a quick repair and a major financial hit. Know what you need, understand what you’re paying for, and work with a trusted agency that has your back.
Need a quote or have questions?
👉 Contact Stone Era Insurance Agency today and let’s get you covered.