Personal Auto Insurance for Trucking Families
Coverage for the vehicles at home, bundled with the policies that protect the business.
Personal Auto insurance for trucking fleets in 50 states
Personal auto insurance for your family vehicles. We bundle with your trucking and home policies to maximize discounts.
Prestige Trucking Insurance places personal auto coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
The household policy should not be an afterthought
Owners spend months structuring the fleet program and then buy the family auto policy online in ten minutes at state minimum limits. A serious at fault accident in the family sedan reaches the same personal assets the business was built to protect.
We review household limits against your net worth, coordinate uninsured motorist coverage and look at whether a personal umbrella belongs above the auto and home policies.
Business coverage does not follow the family car
Commercial auto policies cover scheduled business units. A crash in a personal vehicle, even while running a work errand, is generally the household policy's problem. Keep both sides coordinated with one agency.
855-643-3881What we look at on a household review
Liability limits
Set against assets and future income, not against the state minimum.
Uninsured motorist
The coverage that pays when the other driver has nothing, frequently underbought.
Youthful drivers
Rating and discount strategy when a teen driver joins the household policy.
Bundling
Home, auto and umbrella placed together, which is where meaningful discounts live.
State minimum versus a structured household limit
| Scenario | State minimum policy | Structured personal program |
|---|---|---|
| Serious injury to another driver | Limit exhausts quickly | Higher limits plus umbrella above |
| Uninsured at fault driver | Often minimal or rejected | Matched to your liability limit |
| Asset exposure | Personal assets at risk | Layered protection |
Questions motor carriers ask
Can I bundle personal auto with my trucking policies?
They are separate policies, and often separate carriers, but placing them through one independent agency lets us coordinate limits and pursue every discount available.
Does personal auto cover me in a commercial truck?
No. Personal auto forms exclude vehicles used in your trucking business. Commercial auto liability or non-trucking liability is what responds there.
How much liability should a fleet owner carry personally?
Enough that a judgment does not reach business equity, which usually means higher auto limits plus a personal umbrella. Call 855-643-3881 for a household review.
Review My Household Policies
Send your current auto declarations and we will compare limits and pricing.
Fleets of three or more power units across the 50 states we are licensed in.
Personal Auto coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending personal auto limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs personal auto coverage?
Personal Auto coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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