ERGO NEXT wins our top spot due to superior affordability and seamless digital experience. The Hartford follows with better coverage options and higher-rated customer experience. GEICO, Nationwide and biBERK serve as good alternatives depending on your needs.
Best Cheap Commercial Dump Truck Insurance
With rates starting at $504/mo, the best cheap commercial dump truck insurance is offered by ERGO NEXT, The Hartford and Nationwide.
Get matched to top commercial dump truck insurance providers below.
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Updated: January 28, 2026
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Commercial Dump Truck Insurance: Key Takeaways
ERGO NEXT ranks best overall with a 4.62 score and perfect 5.0 coverage rating due to superior affordability and fast digital quotes for owner-operators and small fleets.
ERGO NEXT is also the cheapest at $504/month ($6,047 annually) for $1,000,000 CSL coverage on tandem and tri-axle dump trucks, saving $467/year versus the provider average.
Commercial dump truck insurance averages $549/month ($6,587 annually) for aggregate haulers, ranging from $309/month in Vermont to $841/month in New York.
Compare quotes from at least three insurers and stack discounts (paid-in-full, multi-vehicle, bundling) to save 15% to 30% on your fleet.
MoneyGeek scored commercial dump truck insurance providers across three weighted factors: Affordability (40%), Customer Experience (30%) and Coverage & Terms (30%). We analyzed $1,000,000 CSL (Combined Single Limit) Liability quotes from five major insurers across all 50 states. Affordability scores compare each provider's rates against market averages. Customer experience reflects claims handling, agent support and policyholder satisfaction. Coverage scores evaluate policy terms, endorsement options and coverage flexibility.
Best Cheap Commercial Dump Truck Insurance Companies
| ERGO NEXT | 4.62 | $504 | 4.27 | 5 |
| The Hartford | 4.58 | $542 | 4.63 | 5 |
| Nationwide | 4.35 | $563 | 4.44 | 4.48 |
| biBERK | 4.33 | $636 | 4.33 | 4.8 |
| GEICO | 4.18 | $562 | 4.09 | 4.27 |
Data Source
MoneyGeek analysis of $1,000,000 CSL (Combined Single Limit) Liability coverage from five insurers, November 2025. Scores reflect affordability, customer experience and coverage. Rates are national averages; your costs vary by location, driving record and operations.
Get Dump Truck Insurance Quotes From Your Top Provider
Compare rates from your top provider match for your business. Enter your industry and state to get a customized quote in minutes.
Industry
State
Best Commercial Dump Truck Insurance by State
Vermont operators pay as low as $309/month while New York's best available rate is $717/month. ERGO NEXT leads in 30 states, The Hartford ranks first in 13 states, Nationwide wins 5 Midwestern states and GEICO captures Maryland and New Jersey.
| Alabama | The Hartford | $384 | 5 | 4.62 |
| Alaska | ERGO NEXT | $443 | 5 | 4.27 |
| Arizona | ERGO NEXT | $481 | 5 | 4.27 |
| Arkansas | The Hartford | $426 | 5 | 4.62 |
| California | ERGO NEXT | $587 | 5 | 4.27 |
| Colorado | ERGO NEXT | $538 | 5 | 4.27 |
| Connecticut | ERGO NEXT | $560 | 5 | 4.27 |
| Delaware | The Hartford | $493 | 5 | 4.62 |
| Florida | ERGO NEXT | $640 | 5 | 4.27 |
| Georgia | ERGO NEXT | $438 | 5 | 4.27 |
| Hawaii | ERGO NEXT | $373 | 5 | 4.27 |
| Idaho | ERGO NEXT | $341 | 5 | 4.27 |
| Illinois | ERGO NEXT | $559 | 5 | 4.27 |
| Indiana | ERGO NEXT | $419 | 5 | 4.27 |
| Iowa | Nationwide | $347 | 4.54 | 4.52 |
| Kentucky | The Hartford | $433 | 5 | 4.62 |
| Louisiana | The Hartford | $703 | 5 | 4.62 |
| Maine | ERGO NEXT | $314 | 5 | 4.27 |
| Maryland | GEICO | $535 | 4.27 | 4.14 |
| Massachusetts | ERGO NEXT | $554 | 5 | 4.27 |
| Michigan | ERGO NEXT | $619 | 5 | 4.27 |
| Minnesota | ERGO NEXT | $476 | 5 | 4.27 |
| Mississippi | ERGO NEXT | $428 | 5 | 4.27 |
| Missouri | ERGO NEXT | $528 | 5 | 4.27 |
| Montana | The Hartford | $394 | 5 | 4.62 |
| Nebraska | Nationwide | $378 | 4.48 | 4.51 |
| Nevada | ERGO NEXT | $499 | 5 | 4.27 |
| New Hampshire | ERGO NEXT | $317 | 5 | 4.27 |
| New Jersey | GEICO | $572 | 4.27 | 4.09 |
| New Mexico | ERGO NEXT | $444 | 5 | 4.27 |
| New York | ERGO NEXT | $717 | 5 | 4.27 |
| North Carolina | ERGO NEXT | $397 | 5 | 4.27 |
| North Dakota | The Hartford | $340 | 5 | 4.62 |
| Ohio | ERGO NEXT | $428 | 5 | 4.27 |
| Oklahoma | The Hartford | $394 | 5 | 4.62 |
| Oregon | ERGO NEXT | $466 | 5 | 4.27 |
| Pennsylvania | ERGO NEXT | $492 | 5 | 4.27 |
| Rhode Island | ERGO NEXT | $586 | 5 | 4.27 |
| Rhode Island | The Hartford | $623 | 5 | 4.62 |
| South Carolina | ERGO NEXT | $454 | 5 | 4.27 |
| South Dakota | Nationwide | $512 | 4.48 | 4.43 |
| Tennessee | The Hartford | $462 | 5 | 4.62 |
| Texas | ERGO NEXT | $549 | 5 | 4.27 |
| Utah | ERGO NEXT | $389 | 5 | 4.27 |
| Vermont | Nationwide | $309 | 4.48 | 4.43 |
| Virginia | ERGO NEXT | $446 | 5 | 4.27 |
| Washington | ERGO NEXT | $542 | 5 | 4.27 |
| West Virginia | The Hartford | $450 | 5 | 4.62 |
| Wisconsin | Nationwide | $427 | 4.48 | 4.49 |
| Wyoming | The Hartford | $411 | 5 | 4.62 |
Data Source
Best company determined by highest Overall Score per state. Scores reflect affordability, customer experience and coverage. MoneyGeek analysis, November 2025.
ERGO NEXT
Best for Affordability
MoneyGeek Rating
4.6/ 5
4.7/5Affordability
4.3/5Customer Experience
5/5Coverage Points
Average Cost
$504/monthlyOur Survey: Claims Process
3.9/5Our Survey: Likely to Recommend
4.8/5
The Hartford
Best Customer Service
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.6/5Customer Experience
5/5Coverage Points
Average Cost
$542/monthlyOur Survey: Claims Process
4.5/5Our Survey: Likely to Recommend
4.5/5
About These Reviews
Our provider evaluations are based on rate analysis, customer surveys, coverage options, and financial stability. Rates shown are national averages. Contact each insurer directly for personalized quotes and to verify current coverage availability in your state.
Cheapest Commercial Dump Truck Insurance Companies
ERGO NEXT offers the cheapest dump truck coverage in 31 states, with rates starting at $315/month in Maine. The Hartford leads 11 states, Nationwide wins five Midwestern markets and GEICO is cheapest in Maryland and New Jersey.
Data filtered by:
Alabama
| Alabama | The Hartford | $135 |
Data Source
Cheapest provider determined by lowest monthly premium per state. Rates for $1,000,000 CSL (Combined Single Limit) Liability coverage. MoneyGeek analysis, November 2025.
How Much Does Commercial Dump Truck Insurance Cost on Average?
Commercial dump truck insurance costs $549 monthly ($6,587 annually) on average for $1,000,000 CSL coverage on tandem and tri-axle end dumps. Your state drives the biggest price gap: Vermont operators pay $309/month while New York businesses pay $841/month.
Average Monthly Premium | $549 |
Average Annual Premium | $6,587 |
Lowest State (Vermont) | $309/month |
Highest State (New York) | $841/month |
Monthly Range | $309 - $841 |
Data Source
Rates for $1,000,000 CSL (Combined Single Limit) Liability coverage. Averages based on five major providers. MoneyGeek analysis, November 2025.
Factors That Affect Commercial Dump Truck Insurance Costs
Your commercial dump truck insurance premium depends on several key factors:
Coverage Limits
Moving from $500,000 to $1,000,000 CSL adds 10% to 20% to your premium. Most broker contracts require $1,000,000 minimum regardless of FMCSA's $750,000 floor because a single dump truck accident can cause catastrophic property damage.
Deductibles
Raising your deductible from $1,000 to $2,500 lowers premiums 10% to 15%; a $5,000 deductible saves 15% to 25%. Choose based on cash flow since dump truck repairs average $10,000 to $50,000 after rollovers or collisions.
Vehicle Configuration
Tandem axle dump trucks cost less to insure than tri-axle or quad-axle configurations due to lower payload capacity. Super dumps and transfer dumps carrying 25+ cubic yards face higher premiums than standard end dumps. Trucks with roll-over protection and backup cameras qualify for discounts.
Cargo Type
Clean aggregate haulers (sand, gravel, crushed stone) pay the lowest rates. Hauling construction debris, asphalt millings or contaminated soil triggers pollution liability requirements. Hazmat or petroleum transport requires $1,000,000 to $5,000,000 limits.
Rollover Risk
Dump trucks have elevated rollover risk due to high center of gravity when loaded and during bed-raise operations at quarries and job sites. Insurers factor in your load types, terrain and dumping frequency. Installing stability control systems reduces premiums.
Driving History
One at-fault accident raises premiums 20% to 40% for three to five years. DUIs may disqualify you entirely. Insurers review CSA scores and look back 3 to 5 years for violations; clean MVRs for all CDL drivers qualify you for preferred rates.
Operating Territory
Vermont operators pay $309/month while New York businesses pay $841/month for identical coverage. High-litigation states charge premium rates. Hauling between quarries, pits and construction sites in urban areas increases exposure versus rural earthwork operations.
Fleet Size
Insuring two to five dump trucks saves 5% to 10% per vehicle through fleet discounts. Fleets of 10+ tandem or tri-axle trucks may negotiate 10% to 20% discounts plus dedicated account management. Single-truck owner-operators pay the highest per-vehicle rates.
Driver Experience
CDL Class A or B holders with 5+ years hauling aggregate get better rates than newer drivers. Operations with 3+ years claims-free history qualify for 10% to 15% discounts. Adding inexperienced drivers to your dump truck operation increases rates 15% to 25%.
Commercial Dump Truck Insurance Requirements
FMCSA requires $750,000 CSL minimum for Class 8 dump trucks (33,001+ lbs GVWR) hauling aggregate interstate as for-hire carriers. Most brokers require $1,000,000 regardless of federal minimums. Intrastate-only operations and private carriers hauling their own materials follow state minimums, which vary from $300,000 to $750,000.
General Freight (sand, gravel, crushed stone) | $750,000 CSL | Class A or B |
Oil/Petroleum Products | $1,000,000 CSL | Class A or B |
Hazardous Materials | $1,000,000-$5,000,000 CSL | Class A or B + HazMat |
Disclaimer
Interstate for-hire operations must file BMC-91, MCS-90 and BOC-3. Your insurer handles these filings. Verify with FMCSA before operating.
Requirement | Details |
|---|---|
Federal Filings | Interstate dump truck operators need an active MC number, USDOT number, BMC-91 (proof of insurance), MCS-90 endorsement (environmental liability) and BOC-3 (process agent designation). Your insurer files BMC-91 and MCS-90; you file BOC-3 separately or through a service. |
State Requirements | Each state sets minimum liability for intrastate hauling. California requires $750,000 for trucks over 10,000 lbs GVWR. Texas requires $500,000 for motor carriers. Private carriers hauling their own aggregate between quarries and job sites may have lower requirements. Check your state's DOT for exact requirements. |
Broker Contract Standards | Large brokers like CH Robinson, TQL and Landstar require $1,000,000 auto liability and $100,000 cargo coverage minimum. Excavation contractors and earthwork companies often require pollution liability and $2,000,000+ limits for subhaulers. Meet broker requirements before accepting loads. |
Disclaimer
Requirements vary by state, cargo type and operating authority. Verify specific requirements with FMCSA and your state DOT before operating.
How to Get the Best Cheap Commercial Dump Truck Insurance
- 1Compare Quotes From Multiple Insurers
Request quotes from ERGO NEXT, The Hartford and at least one other provider. Provide identical coverage limits ($1,000,000 CSL) and deductibles to each insurer.
- 2Verify Coverage Meets Requirements
Confirm your policy meets broker contracts ($1,000,000 liability, $100,000 cargo). FMCSA requires $750,000 minimum but most contracts require more.
- 3Improve Your Risk Profile
Remove drivers with DUIs or multiple violations. Install dash cams and GPS. Maintain current DOT inspections.
- 4Stack Available Discounts
Combine paid-in-full (5% to 10%), multi-vehicle (5% to 15%), bundling (10% to 20%) and safety equipment (5% to 15%) discounts to save 15% to 30%.
- 5Review Coverage Annually
Request competing quotes 45-60 days before renewal. Rates change annually and the cheapest insurer last year may not be cheapest this year.
Commercial Dump Truck Insurance: Bottom Line
ERGO NEXT delivers the best value for aggregate haulers at $504/month with a perfect 5.0 coverage score. The Hartford costs $38 more but provides superior agent support for complex claims involving rollovers or pollution liability. Vermont operators pay under half what New York businesses pay, so get quotes from multiple providers to find your best rate.
Commercial Dump Truck Insurance: FAQ
We've answered the most common questions about finding affordable commercial dump truck insurance coverage:
What coverage do I need for commercial dump truck insurance?
You need at minimum $1 million combined single limit liability coverage to meet most state requirements and client contracts. Add physical damage coverage for your truck if you have a loan or lease. Consider higher limits if you haul valuable cargo or work in high-traffic areas. Learn more about commercial auto insurance and what coverages are required.
How can I lower my commercial dump truck insurance rates?
Lower rates by maintaining a clean driving record, increasing your deductible, bundling policies and paying annually. Installing GPS tracking and dash cameras can earn discounts. ERGO NEXT offers the cheapest rates at $504 monthly. Find more tips on getting cheap business insurance.
Why is dump truck insurance more expensive than other commercial vehicles?
Dump trucks cost more to insure because of their size, weight and operating conditions. These vehicles cause more severe damage in accidents due to their mass. Dump trucks often work in construction zones and congested areas, increasing accident probability.
Do I need workers' compensation with dump truck insurance?
Workers' compensation insurance is separate from dump truck insurance and covers employee injuries regardless of fault. Most states require it if you have employees. Truck insurance covers vehicle-related accidents and liability. Check if you need workers' compensation.
Can I get same-day commercial dump truck insurance coverage?
Yes, many insurers including ERGO NEXT and GEICO offer same-day coverage if you complete the application and payment before business hours end. The Hartford and Nationwide may need 24 to 48 hours. Learn how to get business insurance quickly.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.