Physical Damage for IL 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 Illinois Department of Insurance filing for physical damage on class 8 tractor operators in Illinois. 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 IL
5 carriers we expect to quote this risk in Illinois.
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)Great West Casualty
Old Republic International
Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services.
A+ (Superior)Acuity
Acuity Mutual
Mutual carrier with growing trucking footprint; midwest-anchored, expanding nationally.
A+ (Superior)Sentry Insurance
Sentry Insurance Group
Mutual carrier with deep trucking specialization; favors larger fleets and established carriers.
A+ (Superior)Northland Insurance
Travelers Companies
Travelers' commercial trucking specialty unit.
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 Illinois
Physical damage on an Illinois-operating Class 8 tractor reflects three exposures: theft frequency around Chicago intermodal terminals, collision frequency in metro Chicago, and freeze-thaw weather damage that shapes equipment maintenance economics. For a $120,000 stated value 2020 model-year Class 8 tractor — the canonical Illinois owner-operator profile — physical damage prices proportionally to stated value with rate-per-dollar reflecting the three exposures.
Theft frequency around BNSF Logistics Park, CSX Bedford Park, NS Landers Yard, and surrounding cross-dock facilities is consistently flagged by industry trackers. Tractor and trailer theft from staging yards and overnight parking is the primary loss pattern. Carriers writing physical damage on Class 8 tractors with significant Chicago-area exposure 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; underwriters apply higher base rates for collision frequency than for an equivalent risk operating primarily rural Illinois lanes.
We have not yet extracted a public Illinois Department of Insurance filing for physical damage on Class 8 tractors. The rate band on this page will publish once the filing has been extracted and reviewed by an Illinois-licensed producer.
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.