How much does box truck insurance cost?

Progressive's box truck page publishes no premium figure. It states only that the cost of box truck insurance depends on several factors, including cargo, travel radius, and size of truck, so this file records the drivers and no invented average. The broadest published reference is the same insurer's all-segment book average: $734 per month for specialty truckers and $926 per month for transport truckers on 2025 new for-hire policies with no violations. A box truck quote moves with the published drivers on this page.

What are the Amazon Relay insurance requirements?

These are Amazon Relay's own published carrier program requirements, recorded as the vendor's contract terms. They are not legal minimums, and they sit well above the federal filing floor. Commercial general liability: Not less than 1,000,000 dollars per occurrence and 2,000,000 dollars in the aggregate. Auto liability: Not less than 1,000,000 dollars per occurrence, including trailer replacement coverage of 50,000 dollars. Cargo coverage: Cargo coverage of at least 100,000 dollars. Workers' compensation: Required in all jurisdictions where the carrier operates; the amounts follow each state's law, so no dollar figure is recorded here. Employer liability: Not less than 100,000 dollars per occurrence.

Does Amazon Relay accept a brand-new authority?

Relay requires a DOT number with interstate authority that has been active for a minimum of 180 days, a valid MC number, and an FMCSA safety rating of Satisfactory, None, or Not Rated. That waiting period is the vendor's own published term, which is why many new box truck carriers run other freight first and treat Relay as a later step.

What kinds of trucks count as box trucks for insurance?

The truck types the page names include cargo cutaways, reefer trucks, ice boxes, sleeper boxes, moving trucks, and tilt cabs. The label matters less than the rating inputs. The published cost drivers are the cargo hauled, the travel radius, and the size of the truck.

Truck insurance

Box Truck Insurance

Box truck insurance is a commercial truck policy sized to how box trucks earn: local and regional freight, parcel and last-mile contracts, and moving work. No insurer publishes a box-truck average premium, so this page renders what is on the record: the published coverage stack, the published cost drivers, and the insurance minimums Amazon Relay puts in writing for its carriers, each with a source.

By Evan Reid, Founder of Haul Handbook · Updated Jul 22, 2026

What box truck insurance covers

The box truck coverages Progressive lists are liability for at-fault injuries or damage, physical damage, motor truck cargo, non-trucking liability for off-dispatch driving, uninsured and underinsured motorist, medical payments, comprehensive for non-collision events like fire, theft, and vandalism, and collision.

The truck types the page names include cargo cutaways, reefer trucks, ice boxes, sleeper boxes, moving trucks, and tilt cabs. Whatever the body style, only liability is a federal purchase for a for-hire interstate carrier; FMCSA requires it on file before authority activates, and everything else is forced by contracts, lenders, or the cost of replacing the truck. How each coverage type works, and who forces each purchase, is broken down in the types of truck insurance.

What it costs

The published cost drivers are the cargo hauled, the travel radius, and the size of the truck.

Progressive's box truck page publishes no premium figure. It states only that the cost of box truck insurance depends on several factors, including cargo, travel radius, and size of truck, so this file records the drivers and no invented average.

The broadest figures any insurer puts in writing are book averages across all for-hire trucking segments: $734 per month for specialty truckers and $926 per month for transport truckers, on 2025 new policies with liability plus physical damage and no violations. Treat those as scale, not a box truck quote; the segment-neutral picture of commercial truck insurance cost explains every published number behind them.

Amazon Relay insurance requirements

These are Amazon Relay's own published carrier program requirements, recorded as the vendor's contract terms. They are not legal minimums, and they sit well above the federal filing floor.For many box truck carriers, Relay is the contract that decides the coverage limits they actually buy, so the vendor's published terms belong next to the legal minimums.

Relay requires a DOT number with interstate authority that has been active for a minimum of 180 days, a valid MC number, and an FMCSA safety rating of Satisfactory, None, or Not Rated.

Coverage	Relay's published requirement
Commercial general liability	Not less than 1,000,000 dollars per occurrence and 2,000,000 dollars in the aggregate.
Auto liability	Not less than 1,000,000 dollars per occurrence, including trailer replacement coverage of 50,000 dollars.
Cargo coverage	Cargo coverage of at least 100,000 dollars.
Workers' compensation	Required in all jurisdictions where the carrier operates; the amounts follow each state's law, so no dollar figure is recorded here.
Employer liability	Not less than 100,000 dollars per occurrence.

Those limits sit well above the federal floor, which is the pattern across big freight buyers: the law sets the minimum to operate, and the contract sets the minimum to get paid. Where Relay fits in a first year, and what the rest of the segment's economics look like, lives in the box truck business hub.

The filings behind the policy

For a for-hire interstate box truck rated over ten thousand pounds hauling general freight, the federal liability filing floor is $750,000, and FMCSA activates authority only after your insurer files proof of coverage. An intrastate-only operation answers to its state's minimums instead, mapped in truck insurance requirements by state. A new box truck authority also carries first-year pricing on top of the segment's own drivers; why that happens, and when it eases, is the subject of new authority insurance.

Frequently asked questions

How much does box truck insurance cost?: Progressive's box truck page publishes no premium figure. It states only that the cost of box truck insurance depends on several factors, including cargo, travel radius, and size of truck, so this file records the drivers and no invented average. The broadest published reference is the same insurer's all-segment book average: $734 per month for specialty truckers and $926 per month for transport truckers on 2025 new for-hire policies with no violations. A box truck quote moves with the published drivers on this page.
What insurance does a box truck business need?: The box truck coverages Progressive lists are liability for at-fault injuries or damage, physical damage, motor truck cargo, non-trucking liability for off-dispatch driving, uninsured and underinsured motorist, medical payments, comprehensive for non-collision events like fire, theft, and vandalism, and collision. Only liability is a federal filing for a for-hire interstate carrier; contracts and lenders force the rest.
What are the Amazon Relay insurance requirements?: These are Amazon Relay's own published carrier program requirements, recorded as the vendor's contract terms. They are not legal minimums, and they sit well above the federal filing floor. Commercial general liability: Not less than 1,000,000 dollars per occurrence and 2,000,000 dollars in the aggregate. Auto liability: Not less than 1,000,000 dollars per occurrence, including trailer replacement coverage of 50,000 dollars. Cargo coverage: Cargo coverage of at least 100,000 dollars. Workers' compensation: Required in all jurisdictions where the carrier operates; the amounts follow each state's law, so no dollar figure is recorded here. Employer liability: Not less than 100,000 dollars per occurrence.
Does Amazon Relay accept a brand-new authority?: Relay requires a DOT number with interstate authority that has been active for a minimum of 180 days, a valid MC number, and an FMCSA safety rating of Satisfactory, None, or Not Rated. That waiting period is the vendor's own published term, which is why many new box truck carriers run other freight first and treat Relay as a later step.
What kinds of trucks count as box trucks for insurance?: The truck types the page names include cargo cutaways, reefer trucks, ice boxes, sleeper boxes, moving trucks, and tilt cabs. The label matters less than the rating inputs. The published cost drivers are the cargo hauled, the travel radius, and the size of the truck.

Sources

Primary statutes and official agency pages this guide relies on. Laws and fees change, so confirm against the current source before you act.

Box Truck Insurance · Progressive Commercial
Commercial Truck Insurance Cost · Progressive Commercial
Amazon Relay: Requirements for Carriers · Amazon Relay
Insurance Filing Requirements · Federal Motor Carrier Safety Administration (FMCSA), U.S. DOT

Haul Handbook publishes educational information about trucking registration and compliance requirements. This is not legal, financial, or tax advice. Rules, fees, and deadlines change; confirm with the agency before you file or pay.