Progressive Commercial Review 2026

Coverage Options

Progressive Commercial offers a comprehensive suite of trucking coverages designed to meet FMCSA requirements and protect your operation:

Primary Liability Insurance: Available from $750,000 to $1 million or higher, meeting federal motor carrier requirements.[^6][^7] They handle BMC-91 filings directly with the FMCSA.

Physical Damage Coverage: Comprehensive and collision protection for your equipment with agreed value options available on newer trucks. Deductible choices typically range from $1,000 to $5,000.

Motor Truck Cargo Insurance: Protect the freight you haul with limits up to $100,000 or more. Refrigeration breakdown coverage is available for reefer operations.

Additional Coverages: Bobtail/non-trucking liability, trailer interchange, general liability, and occupational accident insurance round out their offerings.

Claims Process

Progressive maintains a dedicated commercial claims team available 24/7. Their claims process is straightforward, and they have a network of approved repair facilities across the country. Most customers report reasonable claims handling, though some owner-operators note that the process can feel less personalized than working with trucking-specific insurers.

Response times are generally good, with initial contact typically within 24 hours of filing a claim. Progressive's size means they have the resources to handle claims efficiently, even during high-volume periods.

Customer Service

Progressive offers multiple contact channels including phone, online chat, and a mobile app for policy management. Their commercial division operates separately from personal lines, with agents who understand trucking basics.

However, some experienced truckers note that Progressive agents may lack the deep industry knowledge found at trucking-specialist insurers. For complex situations like unique commodity types or specialized equipment, you may need to push for answers.

Additional Benefits

Smart Haul Program: Progressive's telematics program offers premium discounts for safe driving behaviors. Customers who enroll with a preferred vendor ELD from Geotab, Motive, or Omnitracs receive at least a 5% discount at new business, with some saving 15% or more based on their safety record.[^2][^4]

Multi-Policy Discounts: Bundle your commercial auto with general liability or other coverages for additional savings.

Flexible Billing: Monthly payment options are available, helpful for managing cash flow, though paying annually saves on fees.

24/7 Roadside Assistance: Available as an add-on coverage for breakdown protection.

Final Verdict

Progressive Commercial earns its reputation as the go-to option for truckers who want insurance without hassle. Their online tools, acceptance of new authorities, and financial stability make them a solid choice for owner-operators and small fleets who value convenience.

However, if you need specialized expertise for unusual operations or want the hands-on service of a trucking-focused insurer, you may find Progressive's approach too generalist. For straightforward trucking operations, they deliver reliable coverage at competitive rates.

Rating: 4.4/5 - An excellent choice for operators seeking accessible, well-backed trucking insurance with modern digital tools.