5 Best Bobtail Insurance Companies for 2023

Thang Truong
Thang Truong
Updated on:

If you are a truck driver, you already know that you need a commercial trucking insurance policy to protect you and your business. If you work for a trucking company, you are usually covered by your company’s commercial trucking insurance policy. You might think that’s all you need. However, your company’s insurance policy doesn’t provide you with 100% coverage at all time as you drive your truck. And you might need bobtail insurance. We will explain the details of bobtail insurance in this article: from the coverage and cost to how you get the quotes, and who the best providers are.

The 5 best bobtail insurance companies

We tried to get bobtail insurance quotes online with 4 big national carriers: Progressive and AllState, Nationwide, and Liberty Mutual; and another 3 digital brokerage firms: Simply Business, Commercialinsurance.net, and InsureMyRig. However, we are not able to get any quotes online since bobtail insurance is not an independent policy, it is an optional add-on or endorsement of commercial truck insurance.

If you already have your commercial truck insurance policy with a carrier, we suggest that you contact the carrier or the agent or broker that you work with to inquire to add bobtail insurance coverage or endorsement to your existing policy.

If you do not have your commercial truck insurance policy yet, below are the top 6 providers of commercial truck insurance for your consideration. If you want to compare several quotes to find the cheapest one, Simply Business or commercialinsurance.net is your best option:

Progressive: Best Overall

Progressive offers commercial trucking insurance, with bobtail insurance as an optional coverage. We tried to get a quote, but got directed to call customer service at 1-888-892-5420 to get more details.

Progressive is probably the best option to start with. They are the market leader in commercial truck insurance. They provide a wide range of insurance coverages for trucking businesses, from an individual owner operator with one truck to several trucks to large national trucking companies.

Smart Financial: Best for an intensive network of agents specializing in commercial truck insurance

Smart Financial is a national agency focused on small business insurance. They work with a comprehensive network of agents who specialize in commercial truck insurance.

They can connect you with one or many agents in their network who are the most knowledgeable and experienced in situations like yours so that you can benefit from their decades of experience working with hundreds or even thousands of clients like you. Their rich experience will help you find the coverages that you need at the most affordable prices.

AllState: Best for excellent customer satisfaction rating

AllState offers bobtail insurance and there is an online form to get a quote. We attempted to get a sample quote for this article, However, since it is typically an add-on to a the main commercial truck insurance policy, they don’t offer online quote for this additional coverage. They suggest us contacting their agents to add on the coverage.

AllState achieved the #1 ranking in the prestigious JD Power consumer satisfaction survey among all commercial insurance providers in the country.

InsureMyRig: Best for the specializing in truck insurance

This company offers you four ways to get a quote for bobtail insurance coverage: calling an agent, chatting with an agent, or filling out an online form (with and without authority options available). To get a sample, we went through the online forms. These two quotes are for a driver who is 55 years old an owner/operator (who does not have authority), followed by one who does. In both instances, we were taken to a contact form and were notified that an agent would contact us.

Simply Business: Best for comparing several quotes

Simply Business is another national broker focused on small business insurance. The biggest advantage of working with them is that they make it very easy for you to compare several quotes. They provide a comprehensive list of small business insurance coverages to a wide range of industries, including trucking.

After filling out a simple application on their website, you will receive 3-5 quotes either online or on the phone. Their knowledgeable agents can walk you through these quotes and help compare them. You can select the cheapest one for your business.

What is Bobtail Insurance?

Bobtail insurance is not discussed in most trucking businesses. Most truck drivers assume that their employer’s insurance policy covers them. That is not always the case. Bobtail insurance is an extra insurance option that protects drivers who are in between deliveries when you don’t carry any freight.

One other thing to keep in mind is that bobtail insurance only covers trucks without trailers. When you don’t carry any freight but you have the trailer attached to your truck, bobtail insurance doesn’t cover you in this case. To get protected in this situation, you’ll need something called non-trucking liability coverage.

Bobtail insurance vs. non-trucking liability insurance: How are they different?

The best way to illustrate the differences between bobtail insurance and non-trucking liability insurance is through an example. For example, say you dropped off a freight of wood planks to a construction site in the morning. As noon rolls around, you need to pick up 20 cars from a Tesla manufacturing plant and deliver it to a local car show. Your employer’s insurance covers the time you have the freight for the construction site and car show on your trailer. It does not cover the time you have no freight on your trailer.

  1. When you are driving from the construction site to a Tesla manufacturing plant, you have the trailer on your truck, bobtail insurance doesn’t cover this period, non-trucking liability insurance does.
  2. After loading off the cars at the local car show and park the trailer there, you drive home on your truck without the trailer, bobtail insurance will cover you during this period.
  3. The question is does non-trucking liability insurance cover you in the period mentioned in #2. The answer is yes, it does. So in a way, non-trucking liability insurance includes bobtail insurance. If you have non-trucking liability coverage, you may not need bobtail coverage. Learn more at the best non-trucking liability insurance companies.

>>MORE: Bobtail & Non-Trucking Liability Insurance: Which One Do You Need?

Why is Bobtail Insurance Important?

This extra insurance option is critical if you are an independent trucker making deliveries for large companies. It protects you in the chance that an accident happens when you’re:

  • Driving to get the load for the construction site,
  • Travelling to pick up the load for the car show, or
  • Heading home after both deliveries have been made.

How Much does Bobtail Insurance Cost?

Buying this type of protection is not very expensive as it covers a small portion of your time on the road. The average cost of bobtail insurance is about $30 to $50 a month. Underwriters factor in your driving history and how often you drive any truck in your employer’s fleet without a trailer.

Different companies will offer you different rates. Be sure to shop around with a few or with a broker like Simply Business, CoverWallet, or Commercialinsurance.net to compare several quotes to find the cheapest one for your business.

Or you can get quotes online from InsurePro, Progressive, biBERK, and THREE insurance. These are the only 4 providers offering truck insurance quotes online.

>>MORE: How Much Does Bobtail Insurance Cost?

Bobtail and physical damage insurance

Bobtail insurance is a liability-only coverage. If you are involved in an accident while driving your truck without a trailer attached to it and are found at fault, bobtail insurance will cover you. It will pay for the bodily injury and property damages of the other car and the other driver. However, if you own truck is damaged in the accident, bobtail policy doesn’t cover it. You will need to have trucking physical damage insurance to pay for the reparation or replacement of your truck if it is damaged in the accident.

Learn more at the best bobtail and physical damage insurance companies.

Temporary bobtail insurance

In some scenario, you may need bobtail insurance coverage just for a day or up to 30 days. For example, you just bought a new truck and need to drive to the motor carrier’s garage to sign the lease and start the business relationship with the carrier. Or you are switching from one motor carrier to another. In the period between the two motor carriers, your bobtail coverage with the old motor carrier might have been cancelled but your lease with the new motor carrier hasn’t started. In these two scenarios, you may need need temporary bobtail insurance coverage.

Learn more at Temporary Bobtail Insurance: Who Needs It, Cost, and Coverage

Final Thoughts

Trucking business is risky. As a truck driver, you know you can run into a lot of risks on the road. Make sure you are fully covered. Get a good commercial truck insurance policy and remember to add bobtail coverage endorsement or rider. It isn’t too expensive, but will protect you and your family well.

Thang Truong
Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

More Stories

Milepost Joins Truckstop: A New Dawn for Commercial Truck Insurance

The trucking industry is about to witness a significant shift in how insurance policies are procured, managed, and serviced. Milepost Insurance Agency LLC, a renowned Berkshire Hathaway enterprise, has recently collaborated with Truckstop, thereby pioneering a new era in trucking insurance for independent owner-operators. Revolutionizing the Insurance Experience The primary aim behind this dynamic partnership […]

Thang Truong
Thang Truong

Navigating Commercial Truck Insurance Premiums in 2023

Commercial truck insurance has become a focal point for many in the transportation sector as we delve deeper into 2023. With premiums seeing significant spikes in recent years, stakeholders are asking: Are we approaching a stabilization or even a decrease in these rates? Insights from industry experts provide clarity on this critical concern. Trends in […]

Thang Truong
Thang Truong

Regulatory Changes and Rising Commercial Truck Insurance Costs in California

In the wake of the passing of California’s AB5 bill, the trucking industry, including drivers and insurers, face unforeseen challenges. The legislation threatens to severely disrupt contractual trucking gigs, leading to rising insurance costs and potential operational changes. AB5 – A Potential Setback for Owner-Operators AB5, signed into law by Governor Gavin Newsom in 2019, […]

Thang Truong
Thang Truong

Finding Balance in Commercial Truck Insurance: Costs, Value, Services, and Long-Term Benefits

Navigating the maze of truck insurance offerings is not just a matter of finding the lowest price. It’s about understanding the nuances of what you’re buying, considering long-term benefits, and ensuring a harmonious relationship with your provider. This article offers a detailed examination of the process, unfolding the aspects of costs, value, services, honesty, and […]

Thang Truong
Thang Truong

New SEC Regulations on Cybersecurity and AI: A Comprehensive Overview

In an era where technology is at the forefront of business operations, the U.S. Securities and Exchange Commission (SEC) is taking decisive steps to ensure transparency and ethical practices. On Wednesday, the SEC was set to introduce new regulations that will impact publicly traded companies in two significant areas: cybersecurity and artificial intelligence (AI). These […]

Thang Truong
Thang Truong

6 Best Malpractice Insurance for Nurse Practitioners for 2023

Nurse practitioners have a great deal of responsibility when it comes to patient care. Many nurse practitioners assume that because they work under a doctor and their employer provides some level of malpractice insurance, they’re covered. It may be worth it to purchase your own policy, however. Employer malpractice insurance is to protect the employer, […]

Thang Truong
Thang Truong

6 Best Warehouse Insurance and Costs for 2023 

In the fast-paced world of logistics and supply chain management, warehouses play a pivotal role. They serve as the backbone of industries, storing a wide variety of goods that are integral to our daily lives. However, with such responsibility comes a multitude of risks. From natural disasters and fires to theft and accidental damage, warehouses […]

Thang Truong
Thang Truong

5 Best Retail Insurance Companies & Costs for 2023 

The retail industry can be an exciting and profitable venture. However, it’s also fraught with risks that could potentially disrupt operations and result in significant losses. This is where retail insurance comes in. 5 best retail insurance companies Simply Business: Best for comparing several quotes from top-tier carriers  Simply Business is a leading online insurance […]

Thang Truong
Thang Truong

How Much Does Daycare Insurance Cost in 2023? 

In the ever-evolving landscape of childcare, ensuring the safety and well-being of the children under your care is paramount. One crucial aspect of this responsibility is securing comprehensive daycare insurance. This coverage not only protects your daycare business from potential liabilities but also provides parents with the assurance that their children are in a safe […]

Thang Truong
Thang Truong

7 Best Film Production Insurance, Cost, & Coverage

The world of film production is thrilling, dynamic, and filled with creativity. However, it also comes with considerable risks ranging from personal injuries and equipment damage to legal issues. To mitigate these risks and protect the investment, having a comprehensive film production insurance is essential. This article aims to provide an understanding of why such […]

Thang Truong
Thang Truong