The Hartford — Best for Fleets and Professional Liability
The Hartford scores 4.62 out of 5 and earns the top rating for coverage breadth. It offers the cheapest professional liability for food truck operators at $52 per month. Its FleetAhead telematics program helps multi-truck operations reduce premiums over time through driver data monitoring. The Hartford is the strongest choice for commercial food truck auto insurance on fleets of two or more vehicles.
Progressive Commercial — Best for Commercial Auto
Progressive is the largest commercial vehicle insurer in the US by policy count (Insurance Information Institute). For food truck operators, Progressive’s commercial auto quotes frequently beat the $170 monthly average. It also offers straightforward bundling with general liability and easy online quoting in all 50 states.