Affordable Truck Insurance Quotes | Orbit Insurance Services

Every truck covered

What types of trucks can I insure?

From everyday pickup trucks to heavy commercial fleets, Orbit finds the right coverage for your truck — whatever you're hauling.

Pickup Trucks

Versatile and popular for personal and light commercial use. Insurance covers risks such as accidents, theft, and property damage, protecting your daily tasks and investments.

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Box Trucks

Ideal for transporting goods over local and regional routes. Comprehensive insurance protects against damage, theft, and accidents involving large cargo loads.

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Dump Trucks

Designed for transporting loose materials like sand, gravel, and dirt. Dump truck insurance is essential for protecting against tipping, collisions, and cargo damage on job sites.

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Commercial Trucks

Businesses that carry goods or services need reliable coverage. Commercial truck insurance safeguards against cargo damage, accidents, and liability while operating on the road.

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Flatbed Trucks

Used for transporting heavy and oversized items. Insurance covers risks such as load shifting, cargo damage, and accidents while handling construction or industrial materials.

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Tow Trucks

Vital for roadside assistance and vehicle recovery. Tow truck insurance covers liability, equipment damage, and accidents during recovery operations to ensure safe and legal service.

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Refrigerated Trucks

Used to transport temperature-sensitive goods. Insurance protects against breakdowns, cargo spoilage, and theft, ensuring both your vehicle and cargo are fully covered.

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Standard Auto

Need coverage for your daily driver too? Our agents can pair your truck policy with the right auto insurance so everything you own is properly protected.

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Why Orbit

Why Orbit is the best choice for truck insurance

Competitive Rates

We shop multiple carriers so you get the best rate for your truck without sacrificing the protection your business or personal use demands.

Industry Expertise

Our licensed agents understand the unique risks of truck ownership — from light pickups to heavy commercial fleets — and can guide you to the right coverage.

With or Without a License

Coverage options available regardless of license status. Our agents will work to find a policy that keeps you properly covered for your truck type and usage.

Any Credit Welcome

Good credit, bad credit, or no credit — your truck insurance rate is built around your specific situation and truck type, not just a score.

Online, Phone, or In-Person

Get your truck insured however you prefer — from home online, over the phone, or face-to-face with a local agent near you.

Talk to a truck insurance expert today

A real agent is ready to help you find the right coverage for your pickup, box truck, dump truck, or commercial fleet — no pressure, just answers.

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Coverage options

What coverages can I get for my truck?

Truck insurance goes beyond standard auto. Here are the key protections to consider for your vehicle and how you use it.

Liability Coverage

Helps pay for the other party's bodily injury and property damage costs in an accident where you are at fault, protecting against third-party claims.

Collision Coverage

Pays for repair costs to your truck if it is damaged in a collision with another vehicle or object, regardless of who is at fault.

Comprehensive Coverage

Protects your truck against non-collision incidents like theft, vandalism, fire, or natural disasters, ensuring broader protection for your investment.

Cargo Coverage

Protects the goods you are transporting in case of theft, damage, or loss during transit, ensuring your business operations continue without major disruption.

Physical Damage Coverage

Covers repair or replacement costs for your truck if it is damaged due to accidents, theft, vandalism, or weather-related incidents.

Uninsured / Underinsured Motorist

Covers damages if you are involved in an accident with a driver who does not have insurance or enough coverage to pay for your losses.

The basics

What is truck insurance?

A truck insurance policy is designed to protect truck owners, operators, and businesses against financial losses resulting from accidents, theft, or other unforeseen circumstances. Whether you are a small business owner with a single truck or a large fleet operator, having the right policy is a crucial part of responsible ownership that protects against significant financial losses.

The key coverages in a truck insurance policy include liability coverage to protect against third-party claims, physical damage coverage for the vehicle itself, and cargo coverage to protect goods being transported. Businesses can also customize their plans to meet specific needs — such as adding protection for hired drivers, bobtail coverage for non-business driving, or specialized coverage for high-value or modified trucks.

Good to know

Frequently asked questions about truck insurance

Yes, trucks can sometimes be more expensive to insure than smaller vehicles due to their size, weight, and potential to cause substantial damage in an accident. However, rates mostly depend on individual circumstances — the truck model, value, condition, driving history, and intended use all play a role.

There is no fixed amount — it varies from one policyholder to another. Drivers working with a motor carrier typically pay around $300 to $400 per month. Independent owner-operators may pay $1,000 to $1,800 per month due to added responsibilities. Factors like cargo type, route distances, and safety features all influence your rate.

Yes, an insurance provider can cancel your trucking policy under specific conditions such as non-payment of premiums, submitting false information, or a sharp increase in risk levels due to frequent accidents or traffic offenses. Always review your policy terms carefully.

Yes, multiple insurance providers offer short-term or temporary truck insurance policies, including single-day coverage. This is beneficial for single-use scenarios such as transporting your truck, taking a test drive, or short-term rental use. Check with your agent for eligibility requirements.

Cargo coverage is typically an add-on, not automatically included in a standard truck policy. It protects the goods you transport against theft, damage, or loss during transit. If you use your truck for hauling goods — even occasionally — it is worth asking your Orbit agent about adding this coverage.

Yes, a previously totaled truck can be insured; however, coverage options may be limited. Insurers may only offer liability coverage unless the vehicle has been fully restored and meets designated safety standards. Speak with an Orbit agent to explore what options are available for your specific situation.

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Best quote I’ve had in days — the lowest rate, for real. Quick sign-up and the rep was super patient and kind.

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Amanda searched multiple companies to get me the best rate possible. Genuinely great customer service.

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Veronica explained everything calmly and broke it all down so I understood. I appreciate the patience.

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I strongly recommend this place. They gave me the best deal and worked with me the whole way through.

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Oscar gave me a very competitive quote on my vehicle and made the whole process easy. Highly recommend.

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Karina made everything fast and easy, and stayed super consistent with follow-ups. She deserves a raise.

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