5 min read
Bundled Trucking Insurance: One Fleet Program, No Gaps
Running a trucking operation means managing a stack of coverages: auto liability, physical damage, cargo, general...
Fleet Insurance
Fleet insurance for businesses that run on their vehicles
Cover two vehicles or two hundred under one scalable policy. We consolidate your trucks, vans, and drivers into a single program that is simpler to manage, easier to grow, and usually cheaper than insuring each vehicle on its own.
Get a Fleet Quote Call 833-776-4671- Specialty Insurance
- Commercial Trucking Insurance
- Fleet Insurance
2 to 300
Vehicles per policy
40+
States covered
One
Policy to manage
Independent
Multiple carriers
Quick Answer: Fleet insurance combines two or more business vehicles into one commercial auto policy that is simpler to manage and usually cheaper than separate policies. It covers liability, physical damage, and uninsured motorist, with add-ons like cargo, trailer interchange, and hired and non-owned auto. You can add or remove vehicles mid-term as the fleet changes.
What a fleet policy covers
One policy, customized to your mix of vehicles and how you operate. The core coverages plus the add-ons your fleet needs.
Liability
Covers bodily injury and property damage your drivers cause to others. The legally required foundation for every vehicle in the fleet.
Physical damage
Repairs or replaces your vehicles after a collision, theft, fire, vandalism, or weather, across every unit on the policy.
Uninsured motorist
Protects your fleet and drivers when an at-fault party has no insurance or limits too low to cover the damage.
Cargo & trailer interchange
Add-ons that protect the freight you haul and trailers you pull but do not own. Common for trucking and delivery fleets.
Hired & non-owned auto
Covers your business when employees drive rented or personal vehicles for work. See hired and non-owned auto.
Roadside & downtime
Optional roadside assistance and loss-of-use coverage that helps keep revenue moving while a vehicle is down.
Why one fleet policy beats separate policies
Insuring each vehicle on its own means more renewals, more paperwork, and usually a higher total premium. A fleet policy consolidates everything into one contract that bundles for savings, scales as you add or retire vehicles, and rates on your overall driver and safety profile. It is built for trucking companies, contractors, delivery services, and any business running multiple vehicles.
Fleet coverage sits on top of the same foundation as commercial auto insurance, and connects directly to your commercial trucking, box truck, and last-mile delivery coverage as your operation grows. We also keep your permit, audit, and compliance documentation in order.
What fleet insurance costs
Premium depends on the vehicles, drivers, mileage, and coverage. Typical 2026 ranges per vehicle, with fleets usually earning lower per-unit rates than separate policies:
| Fleet type | Typical annual (per vehicle) |
|---|---|
| Light fleet (cars, pickups, service vans) | $1,500 to $3,000 |
| Mixed fleet (box trucks, cargo vans) | $3,000 to $11,000 |
| Heavy fleet (semis, tractor-trailers) | $12,000 to $19,000 |
Ranges are 2026 estimates for budgeting, not quotes. Safe-driver programs, regular maintenance, and telematics can lower the rate. For heavy fleets, see our commercial trucking pricing and FMCSA detail.
What our clients say
Why fleets choose Pro Insurance Group
Independent market access
We compare carriers that specialize in fleet risk and put them head to head on coverage and price.
Built to scale
Add or remove vehicles mid-term without gaps, so coverage always matches the fleet on the road.
Compliance handled
Permits, audits, filings, and certificates kept current so your fleet stays road-legal.
Real humans
A licensed advisor manages your fleet account from quote through renewal and claims.
Fleet insurance FAQ
How many vehicles do I need to qualify for fleet insurance?
Most insurers require a minimum of two vehicles to qualify for fleet insurance. Some require all vehicles to be registered under one business, while others allow vehicles owned by related parties to be combined on one policy.
Is fleet insurance cheaper than insuring vehicles individually?
In most cases, yes. Insurers offer bundling discounts for multiple vehicles, and you save administrative time managing one policy instead of many. Safe driver programs and regular maintenance can lower the rate further.
How much does fleet insurance cost?
Cost depends on the vehicles, drivers, mileage, and coverage. A light fleet of cars, pickups, and service vans commonly runs $1,500 to $3,000 per vehicle per year, a mixed fleet with box trucks or cargo vans $3,000 to $11,000, and a heavy fleet of semis $12,000 to $19,000. Fleets usually earn lower per-vehicle rates than separate policies.
Can I cover different types of vehicles under one policy?
Yes. A fleet policy can insure a mix of vehicle types, including vans, pickups, box trucks, and semis, under one policy, as long as they are used for business.
What happens if I add or remove vehicles mid-term?
You can update a fleet policy at any time to add or remove vehicles as the fleet changes. You do not have to wait for renewal, which keeps new vehicles covered without a gap.
What does a fleet policy cover?
Most fleet policies include liability for bodily injury and property damage, physical damage for collision and comprehensive, and uninsured motorist coverage. Common add-ons include cargo, trailer interchange, hired and non-owned auto, and roadside or downtime protection.
Put your whole fleet on one policy
Two vehicles or two hundred, a licensed advisor will consolidate your coverage, shop carriers, and keep it simple to manage. No pressure.
Get a Fleet Quote Call 833-776-4671NF
Reviewed by Neal Fusco, VP Commercial Lines
25+ years placing fleet and commercial transportation coverage across Illinois and 40+ states.