Physical Damage for Illinois commercial trucking operators.
Covers your truck and trailer against collision, theft, and comprehensive perils.
Rate band pending. We have not yet extracted a public rate filing from Illinois Department of Insurance for physical damage in Illinois. We will publish a sourced premium band on this page once the filing is reviewed by an expert reviewer. Carrier listings below are unaffected; they are sourced from the carriers' own appointment and license footprints.
Top carriers for physical damage in Illinois
| Carrier | Parent group | AM Best | Notes |
|---|---|---|---|
| Progressive Commercial | The Progressive Corporation | A+ (Superior) (verified 2026-04-27) | Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused. |
| Great West Casualty | Old Republic International | A+ (Superior) (verified 2026-04-27) | Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services. |
| Acuity | Acuity Mutual | A+ (Superior) (verified 2026-04-27) | Mutual carrier with growing trucking footprint; midwest-anchored, expanding nationally. |
| Sentry Insurance | Sentry Insurance Group | A+ (Superior) (verified 2026-04-27) | Mutual carrier with deep trucking specialization; favors larger fleets and established carriers. |
| Northland Insurance | Travelers Companies | A++ (Superior) (verified 2026-04-27) | Travelers' commercial trucking specialty unit. |
AM Best ratings are populated only when verified against ambest.com. Pending entries reflect that we have not completed verification, not that the carrier's rating is missing or weak.
What drives physical damage premiums in Illinois
Illinois physical damage on commercial trucking equipment reflects three state-specific exposures: theft frequency in and around the Chicago intermodal corridor, collision frequency in metro Chicago, and freeze-thaw weather damage that affects equipment maintenance economics. Stated value drives the dollar premium proportionally; these three factors drive the rate per dollar of value.
Theft frequency around the Chicago-Joliet intermodal corridor — including BNSF Logistics Park, the CSX Bedford Park terminal, the NS Landers Yard, and surrounding cross-dock facilities — has been consistently flagged by industry trackers across multiple recent years. Tractor and trailer theft from staging yards and overnight parking is the primary loss pattern. Carriers writing physical damage on Class 8 tractors operating Illinois lanes routinely require route-and-stop endorsements, hard-parking conditions, and GPS recovery technology on equipment over $150,000 stated value.
Collision frequency in metro Chicago is elevated relative to highway long-haul corridors. The Cook County DuPage corridor combines high traffic density with frequent winter weather conditions; carriers writing physical damage on operators with significant Chicago-metro exposure may apply higher base rates for collision frequency than for an equivalent risk operating exclusively rural Illinois lanes.
We have not yet extracted a public Illinois Department of Insurance filing for physical damage on commercial tractors. The carrier table reflects carriers writing the line based on their published license footprints; the rate band will publish once a filing is reviewed by an Illinois-licensed producer.
Sources
Reviewer attestation pending. The editorial body above is sourced but has not yet been signed off by a credentialed reviewer.
Illinois-specific rules that move premium
Illinois retains pure several liability for non-medical-malpractice cases and has no general cap on non-economic damages. Cook County jury venues are widely tracked by motor-carrier underwriters as a high-severity environment, materially affecting Class 8 long-haul primary liability rates for risks operating in or transiting the Chicago metro.
Illinois surplus lines are filed through the Surplus Line Association of Illinois (SLA-IL); 3.5% premium tax plus 0.075% SLA-IL stamping fee applies.
FMCSA jurisdiction: FMCSA Midwestern Service Center (Olympia Fields).
State regulator: Illinois Department of Insurance.
Physical Damage for specific DOT classes in Illinois
Deep pages cover the operator profile, sampling assumptions, and rate band for a single product × state × DOT class. We publish deep pages only after the editorial body and reviewer attestation are complete.
Dispatched is a comparison and matching platform. In Illinois, coverage is placed by licensed producers and bound by carriers appointed in IL; 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.