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Bobtail Insurance: Cost, Quote, & Coverage

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.

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. One other thing to keep in mind is that bobtail insurance only covers trucks without trailers. 

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.

You need to have bobtail insurance to cover the time when you drive a truck and have no freight on your trailer.

>>MORE: What is Commercial Auto Insurance? And Its Coverage?

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. Coverwallet reports that a premium can cost anywhere between $20 and $50 per month. Underwriters factor in your driving history and how often you drive any truck in your employer’s fleet without a trailer. Now that you know what it takes to get this protection, let’s explore the best companies that offer it.

>>MORE: How Much does Commercial Auto Insurance Cost?

Getting Bobtail Insurance Quotes Online

We tried to get bobtail insurance quotes online with 4 big national carriers: Progressive, Geico, Liberty Mutual, and Nationwide; and another 3 digital brokerage firms: CoverWallet, Coverhound, 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 providers of commercial truck insurance for your consideration. If you want to compare several quotes to find the cheapest one, CoverWallet is your best option:

Progressive

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.

Geico

Geico offers commercial truck insurance. We tried to get a sample quote to give you an idea of costs, but got directed to call customer service.

Liberty Mutual

Liberty Mutual does offer commercial auto insurance. However, the site will direct you to find an agent based on your city or zip code.

Nationwide

Nationwide 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 more comprehensive policy, we got a message suggesting we call their partner, Commercial Insurance Center at 430-220-1321.

InsureMyRig

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.

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.

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