Dump Truck Insurance Guide
Dump truck operators face different exposures than long-haul truckers — short hauls, frequent stops, off-road exposure, and high-risk job sites. Here's how to insure correctly.
Coverage stack for dump trucks
• Commercial Auto Liability — $1M minimum, $2M increasingly required • Physical Damage on the dump truck (5%–9% of value annually) • Motor Truck Cargo — typically $25K (dump truck cargo is gravel/dirt, low value) • Hired & Non-Owned Auto if you ever rent • General Liability for the job site • Workers Comp on drivers/laborers
Typical 2026 cost
Single dump truck owner-operator, $80K truck, clean MVR, 5+ years experience, 100-mile radius: $7,500–$11,500/year all-in. Multiple-truck fleets unlock 8%–12% account discounts.
Why Progressive Commercial for dump trucks
Progressive has dedicated dump truck underwriters, fast quote turnaround, and competitive pricing for short-radius operators. We are appointed with Progressive Commercial — same-day quoting.
Get a quote
USA Alliance Logistic (our sister logistics company) also places dump truck contracts in the Midwest if you're looking for work while we set up insurance. 814-718-0060.
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Real broker. Real numbers. Same business day on most Ohio policies.