Best bobtail insurance providers in 2022

April 13, 2022

Bobtail insurance is a kind of liability insurance that covers you if you get involved in an accident while driving your truck without the trailer.

It is beneficial if you are involved in a collision when:

  1. On your way to collect a fresh load of cargo.
  2. Delivering and picking up loads.
  3. After your final drop-off.

However, although bobtail truck insurance does not cover the damage to your rig in these situations, it may be able to help you pay for medical bills, attorney fees, damages, and other expenses if someone else is injured in an accident.

What Precisely Does Bobtail Insurance Cover?

Bobtail insurance is only focused on liability. If you get involved in an accident while driving a truck without a trailer attached under the authority of another person, bobtail insurance will cover all the expenses.

When it comes to most employers or partners you have a business relationship with, bobtail insurance is generally required. If it isn’t, it is to your best advantage to include it in your current commercial policy.

Bobtail insurance protects you from liability once you have dropped off your cargo and are no longer pulling the trailer. For example, if you are traveling from one drop-off spot to another pick-up location or if you are returning home for the day.

Product
Rating
Key Features
Website
1
OVERALL RATING
Expert Review
  • Bobtail insurance is available in all states.
  • Attractive discounts.
  • Variety of coverages.
PRICE: $
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2
OVERALL RATING
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  • Great pricing options.
  • Available in all states
  • Easy claim process
PRICE: $
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3
OVERALL RATING
Expert Review
  • Available in all states
  • Expensive compared to other insurers
  • Easy claims process
PRICE: $
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4
OVERALL RATING
Expert Review
  • Available in all states
  • Easy to file a claim.
  • Customized plans
PRICE: $
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5
OVERALL RATING
Expert Review
  • Expensive compared to other insurers
  • Specialized for truck insurance
  • Long standing company and well known name in industry
PRICE: $
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6
OVERALL RATING
Expert Review
  • Well known name in insurance industry
  • Excellent financial ratings
  • Broad range of coverages
PRICE: $
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Progressive Insurance provides commercial transportation protection, with bobtail insurance available as optional coverage. If you want additional information, you may reach customer care at 1-800-776-4737.

Commercial vehicle insurance is where they really shine. A wide variety of insurance coverages are available for trucking operations, ranging from individual owner-operators with a single truck to several trucks to large national trucking corporations.

You can easily get a free business insurance quotation from Progressive by filling out the online form.

PROS:
  • Availability in all 50 states
  • Many discounts provided
  • Coverage for a large number of different kinds of vehicles
  • Other forms of insurance available beyond the basic ones
CONS:
  • No access to some savings offers for certain states
  • Double-decker buses, military vehicles, non-roadworthy vehicles, and monster trucks not covered
  • Various additional types of business vehicles not covered by insurance

Car, truck, van, pickup, and farm vehicle coverages are available via State Farm business auto insurance.

Suppose you or one of your workers is involved in an accident. In that case, State Farm business vehicle insurance can assist you in covering the repair expenses, legal fees, and medical bills.

Due to the fact that no two businesses are alike, insurance companies cannot estimate your premium for commercial vehicle insurance without first speaking with you. Your industry, the number of vehicles you own, their worth, and the number of miles you travel will all play a role in determining the cost of commercial auto insurance.

In addition, your agent, like a good neighbor, may assist you in discovering affordable solutions for insurance protection.

PROS:
  • Excellent pricing and discounts
  • Great financial strength
  • Availability in all 50 states
  • Straightforward claims process online and via the phone
  • Monthly or biannual payments
  • Non-owner coverage available
CONS:
  • No cargo coverage info available
  • No lifetime repairs guarantee

Each and every dollar matters when it comes to running a profitable company, and GEICO knows what is essential to you: receiving exceptional service at the most competitive price. If you have a company that relies on a fleet of vehicles or trucks, GEICO can provide the coverage you need. Understand that if you ever need to file a claim, GEICO works around the clock to get your commercial vehicles back on the road quickly.

PROS:
  • Availability in all 50 states
  • Easy claims process online, by email, and by phone
  • Monthly, biannual, or yearly payments
  • Cargo coverage
  • Non-owner coverage
  • Lifetime repairs guarantee
CONS:
  • Not always the cheapest option for people with poor credit or recent accidents
  • High policy limits
  • Limited local agents network compared to other companies

For a good reason, Liberty Mutual places itself as the sixth-largest property and casualty insurer in the United States. The company excels as a commercial truck insurance company. In addition, customers can monitor claims, pay payments, and check policy documentation using the company’s mobile app.

PROS:
  • Available in all 50 states & Washington, DC
  • Easy claims process online, by email, and by phone
  • Yearly or monthly payment plans
  • Cargo coverage
  • Non-owner coverage
  • Lifetime repairs guarantee
CONS:
  • Not as flexible payment plans compared to other providers

5. Review

OVERALL RATING

Roemer Insurance, in business for over 80 years, has been publishing the Roemer Report for 30+ years. It specializes in semi trucking insurance plans and its products are available to fleets of all sizes.

This company provides you with four ways of getting a quote for bobtail insurance coverage: 

  • Phoning an agent
  • Emailing an agent
  • Filling out an online form (with and without authority options available)
PROS:
  • Excellent coverage at the best price
  • Experience of over 80 years
  • Coverage for fleets or independent operators
CONS:
  • More expensive than other providers

Nationwide Truck Insurance offers a broad range of coverage choices for your trucking needs. It provides cheap, comprehensive, and customizable insurance for all types of commercial vehicles, from passenger cars to delivery trucks. 

PROS:
  • A strong and established business with over 90 years of experience
  • Well-known for the quality of the service they provide
  • Excellent ratings from A.M. Best, Moody's, and Standard & Poor's proving the company’s financial strength and stability
CONS:
  • Some areas not covered by the service
  • Higher policy costs compared to other providers

When Would You Need Bobtail Insurance?

  1. If you drive without a trailer under another person’s authority.
  2. If you want to have extra protection. In the event of an accident, it’s essential that you protect yourself against costly litigation and out-of-pocket expenses.
  3. If the trucking company specifies it as a condition, you must comply.

When Is It Not Necessary to Get Bobtail Insurance?

  1. In the event that you’ve never driven a vehicle without a trailer.
  2. If you drive a truck for personal reasons.

How Much Does Bobtail Insurance Cost?

Several variables contribute to the cost of bobtail insurance. These include your specific driving history, the policy limit that you pick, how frequently you bobtail, and more. A typical yearly premium for this type of insurance is $400.

However, this is just an estimate, and your actual expenses may vary depending on the following factors:

  • Your driving record: A truck driver’s insurance rate is likely to decrease as they gain more driving experience.
  • Your limits: There is a price difference between $1 million and $2 million insurance coverages. The higher the coverage level is, the more you’ll pay for it.
  • Your application: Do you bobtail on a regular basis? For how long? The more bobtailing you do, the riskier you’re to insure — and the higher premiums you’ll pay.
  • Your insurance history: Having a lot of claims on your previous insurance policies will almost certainly result in you paying more for your bobtail insurance.

Semi-trucks are large vehicles, and when they are involved in a collision, they may inflict significant damage to automobiles, buildings, and other individuals in the vicinity. Because of the dangers associated with bobtailing, failing to get insurance for this activity can be a costly error that can leave you with huge amounts of money in damages and medical expenses if an accident occurs.

Is Bobtail Insurance Expensive?

Some insurance companies charge lower premiums than others, but it’s not a secret that you could save money by shopping around. You’ll have a better chance of getting the greatest deal on bobtail insurance if you talk to many agencies. To prevent double coverage and ensure that there are no gaps in your leasing agreement, make sure you read your lease agreement thoroughly.

Drivers who work for a trucking company often require:

  • Bobtail coverage
  • Insurance for physical damage
  • Non-trucking liability

How to Lower Your Bobtail Insurance Cost

The physical damage component of the policy’s value is the primary determinant of the cost of these coverages, which are often acquired as a bundle. Purchasing insurance for a 2015 Peterbilt will be more costly than getting one for a 2000 Volvo.

Packages ranging from $1,500 to $2,500 are available for older vehicles. Sometimes it makes sense to buy coverages from different providers. In most cases, you may save $500 or more simply by shopping around. 

Lower Cost = Higher Deductible

In order to reduce your monthly rates, you might agree to a higher deductible while negotiating with your insurer. But if an accident occurs, your out-of-pocket costs will be far greater. Even if you save a few dollars a month by decreasing your deductible, you might wind up shelling out hundreds of dollars more in the event of an accident.

Maintain a Good Driving Record

Bobtail insurance rates are affected by your driving record, just like your general liability insurance premiums. Your insurance rates will rise if you have a history of moving offenses, traffic fines, or accidents. This is just one of the many reasons why it’s important to be safe on the road.

What Is the Difference Between Bobtail Insurance and Non-Trucking Liability?

Understanding how trucking insurance works is essential if you are a driver who owns a semi-truck and is employed as an independent contractor. Trucking business dispatched drivers are usually insured by the business insurance coverage of the trucking company they work for. While on the clock, you are covered by the company’s trucking insurance.

Bobtail and non-trucking insurance are not synonymous, despite the common misconception. They differ in terms of what they cover and how they work. Since we’ve already discussed bobtail insurance, let’s take a closer look at non-trucking liability.

Non-Trucking Liability Insurance

Contingent liability insurance is another name for this sort of transportation insurance. A non-trucking liability policy protects owner-operators against liability claims when their truck is not being utilized for commercial reasons, regardless of whether or not it has a trailer attached. Non-trucking liability insurance is often required for contract drivers since it protects them in the event of an accident when not under dispatch.

Non-trucking liability insurance covers you and your semi-truck in situations when they are not being utilized commercially. For instance, you and your partner take your semi-truck to go out for dinner. You get into a small accident that results in minor damage to the car involved in the collision. Your main trucking liability insurance will not cover you in this situation since you are not dispatched at the time of the accident. However, non-trucking liability insurance can provide coverage the same way that regular auto insurance would if you were driving a car.

The bottom line is that bobtail insurance protects your semi-truck when driving between assignments from various carriers or for personal usage, but only if it is not hauling a trailer.

Non-trucking liability insurance protects owner-operators against liability claims when their truck is utilized for non-commercial purposes, regardless of whether or not the cargo is attached to the vehicle at the time of the accident.

How to Buy Bobtail Insurance

As with buying a car, home, or health insurance, your best bet is to shop around for the best deal. Commercial auto insurers usually provide bobtail insurance. Get in touch with an insurance agent to determine whether you can add it as an endorsement to your commercial truck insurance policy. 

Additionally, many comparison sites available, but we recommend considering the best bobtail insurance companies listed above.

Bobtail Insurance: Is It Worth It?

You’ll be covered by your trucking insurance when you’re at work most of the time. But once you have dropped off the cargo, you are no longer considered to be on the job. What happens if anything goes wrong at that point? That’s when bobtail insurance comes in to fill the gap in protection.

Having proper bobtail insurance is essential if you ever drive your semi-truck without a trailer. When looking for an insurance company, it’s important to shop around for the best deal.