Physical Damage for CA class 8 owner-operators.
Covers your truck and trailer against collision, theft, and comprehensive perils.
Rate band pending
We have not yet extracted a public California Department of Insurance filing for physical damage on class 8 tractor operators in California. The carriers writing the line are listed below; the band will publish here once a filing is reviewed.
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Carriers writing in CA
5 carriers we expect to quote this risk in California.
AM Best ratings shown below were verified directly. Whether a specific carrier currently has open appetite for your operation is the producer's call at submission.
Progressive Commercial
The Progressive Corporation
Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused.
A+ (Superior)Northland Insurance
Travelers Companies
Travelers' commercial trucking specialty unit.
A++ (Superior)Sentry Insurance
Sentry Insurance Group
Mutual carrier with deep trucking specialization; favors larger fleets and established carriers.
A+ (Superior)Berkshire Hathaway GUARD
Berkshire Hathaway Inc.
Multi-line carrier; trucking is one segment. Strong financial backing.
A++ (Superior)Acuity
Acuity Mutual
Mutual carrier with growing trucking footprint; midwest-anchored, expanding nationally.
A+ (Superior)AM Best ratings change. Dispatched displays the rating only when verified against ambest.com and stamped with the verification date in our data layer. Pending entries reflect that we have not completed verification — not that the carrier's rating is missing or weak.
Editorial
Physical damage for Class 8 tractor operators in California
Physical damage on a California-operating Class 8 tractor sits at the high end of the national rate spectrum. Three California-specific exposures compound: theft frequency in the Inland Empire and around the Ports of Los Angeles and Long Beach, CARB-driven equipment values 10-20% above national averages, and metro Los Angeles and Bay Area collision frequency at elevated levels.
The Inland Empire — the warehouse and staging belt extending from Riverside through San Bernardino — has been the highest-frequency tractor theft corridor in the country across multiple recent CargoNet annual reports. Port-adjacent staging in Wilmington, Carson, and Long Beach is the second cluster. Carriers writing physical damage on Class 8 tractors with significant Southern California exposure routinely require route-and-stop endorsements, hard-parking conditions, and GPS recovery technology on equipment exceeding $150,000 stated value.
CARB Advanced Clean Trucks rules and zero-emission mandates have driven equipment values for California-operating Class 8 tractors materially above national averages. Compliant tractors with certified clean engines or post-2020 model years carry stated values that translate directly into higher physical damage premiums (the dollar premium scales with stated value). Operators replacing equipment to maintain CARB compliance through 2026 should expect their physical damage premium to step up at each replacement cycle.
We have not yet extracted a public California Department of Insurance filing for physical damage on Class 8 tractors. The rate band will publish once a filing is reviewed.
Dispatched is a comparison and matching platform. In California, coverage is placed by licensed producers and bound by carriers appointed in CA; Dispatched does not bind coverage. Where we accept your contact information for a quote, that consent will be one-to-one with the named producer partner identified at submission.