Next-Gen Commercial Auto and Truck Insurance
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Cargo van, unlimited miles, clean MVR
PA
$5,750
Owner-operator
Hotshot, car hauler, good safety scores, long haul
IL
$8,200
1-5 vehicles
Last mile delivery, cargo vans
TX
$8,320
1-5 vehicles
Dry van, new venture, clean record, 1,500,000 liability limits
NJ
$17,800
Owner-operator
Straight truck, new venture, out of state driver
VA
$11,900
1-5 vehicles
Dry van, lapse in coverage, long haul
CA
$14,260
Owner-operator
Refrigerated goods hauling, drivers with 1+ years of experience
NV
$16,970
5-10 vehicles
Straight trucks fleet, out of state and some drivers with under 2 years of experience
CA
$13,170
10+ vehicles
Box trucks, prior loss, favorable safety scores
AZ
$9,430
1-5 vehicles
Car haulers, liability limits $1,500,000
NJ
$17,200
1-5 vehicles
Car haulers, favorable loss history and safety scores
PA
$12,010
5-10 vehicles
Dry van fleet, drivers under 2 years of experience and prior claim
IL
$15,250
1-5 vehicles
Car hauler, hotshot operations
OK
$16,900
1-5 vehicles
Dry van, one year in business, no claims
TX
$12,730
1-5 vehicles
Refrigerated goods hauling, long haul, out of state drivers
CA
$14,150
Owner-operator
Fleet, out of state drivers with prior claims, implemented corrective actions
SD
$13,050
10+ vehicles
Fleet, renewal, steady growth
OH
$12,680
10+ vehicles
Sand and gravel, local
TX
$11,740
Owner-operator
Flatbed small fleet, steady growth, favorable loss ratio and safety scores
PA
$9,600
5-10 vehicles
Refrigerated goods hauling, long haul, out of state drivers
SC
$14,340
5-10 vehicles
Sand and gravel, clean MVRs, favorable loss ratio and safety scores
FL
$14,130
1-5 vehicles
Small fleet of box trucks, long haul, out of state drivers
WA
$13,550
5-10 vehicles
Small cargo van fleet, mixed operations, favorable loss runs and safety scores
WY
$7,170
1-5 vehicles
Dry van, favorable safety scores and loss ratio
TN
$12,000
Owner-operator
Flatbed operations, favorable development with prior claims
MD
$15,560
5-10 vehicles
Dry vans, long haul, favorable safety scores with prior claims
IN
$17,590
5-10 vehicles
Cargo vans, unlimited miles
GA
$10,070
1-5 vehicles
Box trucks, favorable loss ratio and safety, steady growth
DE
$10,530
1-5 vehicles
Refrigerated goods hauling, unlimited miles, favorable history, less than 2 years of experience
CT
$15,540
1-5 vehicles
Car haulers, hotshots, long haul, new venture with 1 year of experience
WI
$10,730
1-5 vehicles
Insurance made for the 21st century
Expect better service: modern, responsive, and efficient. No wasted steps—just fast, effective results.
At STAR Mutual, we are transforming the outdated insurance process. With decades of experience and advanced technology, we deliver quick, bindable quotes and reliable long-term commercial auto liability coverage for operators committed to safety.
Thousands
Same-day
quotes, ready to bind
Exceptional Financial Stability
Rated “A” (Exceptional) by Demotech and reinsured by “A+” (Superior) rated reinsurance carriers.
Owned by our insureds
As an RRG, we are a liability company owned by its members and operate under state regulated guidelines.
Financial rewards and discounts
We aim to alleviate the significant overhead costs that burden transportation businesses.
Proactive risk management
We are committed to transforming our insureds into better and safer operators by enhancing conscious business practices.
Actions speak louder than words. We are actually transforming time- and effort-consuming processes for agents and our insureds. With our dynamic underwriting, progressive rating model and one of the fastest price indications, you get immediate eligibility determination for 99% of accounts.
More about us
As featured in
How technology is transforming commercial auto insurance
“Advanced analytics and data tools are reshaping the way underwriters assess risk.”
Read more
Steering change in U.S. commercial auto insurance
“STAR is built to serve those who drive for a living, with a focus on efficient, transparent, and customer-centric service.”
Read more
States where we write
STAR Mutual RRG offers commercial auto liability insurance in 40 states, with one additional state pending launch in our portal. We also provide access to auto physical damage (APD) and motor truck cargo (MTC) in 33 states.
Commercial auto coverages
An essential component of insurance, providing financial protection for transportation businesses in the event of accidents involving their vehicles.
Commercial Auto Liability
Commercial auto liability insurance protects businesses from significant financial loss. It is required by law and combines Bodily Injury and Property Damage coverage to compensate the other party if the insured is found at fault. Coverage includes payments for medical expenses, pain and suffering, vehicle repairs, and associated legal defense costs.
Personal Injury Protection
Personal Injury Protection (PIP) coverage provides financial aid for medical expenses and other related costs for the driver and passengers of a commercial vehicle, regardless of who is at fault in an accident. It ensures the insured party receives the immediate support they need. It typically covers hospital bills, rehabilitation, and lost wages.
Uninsured & Underinsured Motorist
This coverage protects the insured business’s drivers and passengers in the event of an accident involving a driver who has insufficient or no insurance, including hit-and-run incidents. It helps cover medical costs and property damage when the at-fault party cannot fully compensate.
Physical Damage
Physical Damage coverage is available through a program facilitated by Reliable Transportation Association and protects the insured vehicle itself, covering repair or replacement costs resulting from collisions, theft, vandalism, or certain natural disasters. This coverage typically includes both Collision and Comprehensive protection.
Motor Truck Cargo
Motor Truck Cargo coverage protects goods and materials transported by a covered commercial vehicle, including cargo hauled for others in for-hire operations. It helps cover losses resulting from damage or theft of cargo during transit and is available through a program facilitated by the Reliable Transportation Association.
Business vehicles covered
Flexible coverage for a wide range of commercial vehicles. From heavy-duty trucks to service vans and pickup trucks used by local businesses, STAR Mutual RRG provides commercial auto liability protection tailored to diverse fleet needs.
Designed for for-hire trucking, freight delivery, and commercial hauling operating medium- and heavy-duty vehicles.
Box truck
Pickup truck (commercial use)
Cargo van
Dry van
Flatbed
Semi truck / Tractor
Dump truck
Tow truck
Waste hauler
Car hauler
Hotshot truck
Reefer (refrigerated)
Expeditor truck
Sprinter van
Commercial Class 1–6 vehicles used by contractors, service professionals, and local delivery operations.
Box truck (light/medium duty)
Pickup truck
Cargo van
Service van / utility van
Sprinter van
Flatbed (light/medium duty)
Mini-fleet vehicles (service cars, small vans)
Delivery vans
Passenger vehicles used for business purposes (non-for-hire)
Business classes covered
Offering commercial auto liability coverage for a wide range of business operations—from skilled trades and service professionals to last-mile delivery fleets and specialized trucking companies.
Small to large-sized fleets involved in local, regional, or long-haul transportation.
General freight
Dirt, sand & gravel hauler
Household goods mover
Towing
Garbage & trash removal
Last-mile delivery (-26,000 lbs)
Auto hauling
Hotshot trucking
For-hire trucking operations
Expeditor trucking
Refrigerated goods hauling
Machinery & heavy equipment (overweight/oversized)
Logging (limited accidental exposure/operations)
Debris removal / waste haulers
Steel hauling
Agricultural products & farm supplies
Commercial auto liability for businesses using light- and medium-duty vehicles to serve local customers.
Contractors & skilled trades (electrical, HVAC, plumbing, construction)
Landscaping, maintenance & outdoor services
Retail, food, and delivery services
Professional and home service providers
Courier, messenger & local delivery (non–for-hire)
Cleaning and janitorial services
Property management & service companies
The following commercial vehicle classes and operations are not eligible for STAR Mutual RRG’s Trucking Liability Program:
Freight forwarder / broker
Livestock hauler
Coal hauler
Oilfield materials hauler
Septic waste removal truck / hauler
Fracking, sand & water hauler
Emergency services vehicle
Tree trimmer vehicle
Auto dismantler vehicle
Scrap metal / auto (junk or scrap haulers)
Lunch truck / food truck / catering truck
Building wrecker / heavy duty wrecker truck
Newspaper delivery vehicle
Hazardous materials / hazmat haulers
Boat haulers
Bus
Escort vehicle
Ash removal vehicle
Armored car / vehicle
Rental and leasing operations
Hazardous materials / Hazmat haulers*
*pure (100%) alcohol in bulk
*flammable or combustible liquids or gases
*fireworks, fuses, nitroglycerin, explosives, ammunitions, ammonium nitrate
*poisonous or radioactive material
*or any other commodity defined as “hazardous material” by the Department of Transportation
*caustic or corrosive chemicals
*petroleum or by-products
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