Auto Insurance for Food Trucks (Cost & Requirements)

Auto insurance for food trucks generally consists of a commercial auto insurance policy that protects against injuries to others and damage to their property in an accident. Auto insurance rates for food trucks may be around $135 per month. Other food truck insurance requirements may include commercial general liability or workers compensation insurance.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 23, 2021

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A Concise Overview

  • Auto insurance for food trucks is essential to making sure that you are covered in the event of an accident
  • You may pay around $135 per month for a commercial auto insurance policy
  • You may be able to buy commercial auto insurance from your personal auto insurance company

If you own a food truck or are thinking of owning one, you need auto insurance for food trucks. Understanding the types of auto insurance coverages and other insurance you need is important to make sure you’re protected.

Owning a business, especially a food truck, has its unique risks. Read more below about what types of insurance you should buy for your food truck, including auto insurance.

If you want auto insurance quotes for food trucks, enter your ZIP code into our free quote comparison tool above.

What kind of insurance do I need for a food truck?

Because your food truck is a business, food truck insurance requirements include a few different types of insurance to make sure that the vehicle, business, and other business property are covered.

A commercial general liability policy will cover damages caused during business (exclusive of auto accidents), such as if you were sued for causing someone food poisoning.

Commercial property insurance will protect the contents of a food truck, such as cooking equipment or point-of-sale systems if they are damaged in a variety of occurrences, such as a fire or vandalism.

If you have employees, you may also need workers compensation insurance in case your employees are injured during work.

Lastly, you’ll also need to consider auto insurance for food trucks.

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Do I need auto insurance for food trucks?

Yes, you will need auto insurance if you own a food truck. You should buy auto insurance for food trucks to ensure that your vehicle and others’ vehicles are covered in the event of an accident.

What is covered by a commercial auto insurance policy may vary slightly depending on the company and type of coverage you buy. Some will only cover injuries to other parties and damage to their property, while some policies will also cover your injuries and damage.

If you have a food trailer that is towed by another vehicle, your food trailer insurance should consist of the other types of policies listed above as well as an endorsement that covers your trailer or damages caused by it during an accident.

How much is auto insurance for food trucks?

You may expect to pay around $135 per month for a commercial auto insurance policy. This amounts to $1,620 per year.

Generally, the policy limit for a commercial auto insurance policy is $1 million.

Where can I find auto insurance for food trucks?

Since owning a business, being self-employed, and food trucks are becoming more popular, according to the United States Census Bureau, many major auto insurance companies now offer commercial policies or add-ons that you may use to extend your personal coverage.

You may be able to use a provider such as:

  • Liberty Mutual
  • Progressive
  • State Farm
  • Nationwide
  • Farmers

Your selection of insurance providers for food truck insurance is broad.

Enter your ZIP code into our free quote comparison tool to find affordable auto insurance for food trucks.

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