Food Truck Car Insurance: Discounts, Rates, & Requirements (2021)

If you are thinking of opening up a food truck it’s important to have the right food truck insurance. To keep your food truck operating you need several types of insurance, including commercial auto insurance, property insurance, liability insurance, and more. The most affordable way to maintain this insurance is to bundle as many policies as you can.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 21, 2021

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Here's What You Need to Know

  • A food truck requires several types of insurance to operate
  • Commercial auto insurance is required if you drive your food truck
  • Bundling insurance policies is the best way to keep costs low

If you are preparing to open up a food truck, it’s important to know what type of food truck car insurance to purchase.

Keep reading to learn more about the different types of insurance required to operate a food truck and where to get cheap car insurance for your food truck.

If you want to start looking for affordable food truck car insurance right away, enter your ZIP code above. We can help you find a rate that fits your budget.

What Food Truck Car Insurance Do You Need?

Food trucks are a growing industry with over 26,000 currently in operation serving customers.

If you are looking to join this growing industry, you need to ask, what kind of insurance do I need for a food truck?

The answer is; multiple types. Operating a food truck requires a lot of insurance to ensure you are fully protected.

While there is no food truck car insurance company, most insurance providers will offer the different policies that a food truck owner needs.

Here’s a list of the most important insurance policies you will need for your food truck:

  • Commercial car insurance
  • Property insurance
  • Liability insurance
  • Worker’s compensation insurance

Each type of insurance is designed to protect not only your vehicle but also your business.

For example, if you have a separate trailer for carrying supplies, food trailer insurance or property insurance will protect said supplies in the event of damage or theft.

Different cities may have different rules for food truck owners, with some requiring more coverage than others.

To make sure you are fully protected, look up the local laws governing food trucks and distribution in your city before deciding how much coverage to purchase.

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Who Offers the Most Affordable Food Truck Car Insurance?

Because you need so many different types of insurance to keep your food truck covered, the best way to save money is to bundle as many types of insurance as you can.

Progressive car insurance and State Farm food truck insurance are good examples of this.

Both companies have bundled small business coverage plans that include multiple types of insurance and discount any additional policies you need to purchase.

Bundling in this way can help to save big on auto insurance, and it’s not just State Farm and Progressive who can help you find the best way to save. While there is no one food truck car insurance company, it is easy to create your own unique insurance bundle by shopping around.

In fact, the best thing to do to ensure you are getting the most affordable insurance is to get multiple food truck car insurance quotes.

Are you ready to buy food truck car insurance? Enter your ZIP code below and we will help you find the right car insurance provider for your food truck, trailer, or any other vehicles you need to insure.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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