Best Car Insurance Discounts for CDL Drivers in 2025 (Save up to 35% With These Companies!)
The best car insurance discounts for CDL drivers come from Progressive, Geico, and Nationwide, which offer savings of up to 35%. Having a CDL doesn’t have a large impact on rates, but CDL drivers can get coverage starting at $80 per month. You can also save more by finding additional discounts.
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Eric Stauffer
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Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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UPDATED: Jan 18, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 18, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The best car insurance discounts for CDL drivers can help commercial driver’s license holders save up to 35% on their personal policies.
The cheapest car insurance companies for CDL drivers include Progressive, Geico, and Nationwide, thanks to their generous discounts for CDL drivers. If you own your own trucking company, you can also find discounts for commercial truck insurance from these same companies.
Our Top 10 Company Picks: Best Car Insurance Discounts for CDL Drivers
| Company | Rank | Savings Potential | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
 | 1 | 35% | A+ | CDL drivers with clean records |
 | 2 | 30% | A++ | Active CDL holders |
 | 3 | 28% | A+ | CDL drivers with safe driving history |
 | 4 | 25% | B | Full-time CDL drivers |
 | 5 | 23% | A | CDL drivers with no violations |
 | 6 | 20% | A+ | Commercial drivers with active CDL |
 | 7 | 18% | A | CDL drivers with a clean record |
 | 8 | 15% | A++ | CDL holders with good driving history |
 | 9 | 12% | A+ | CDL drivers with no accidents |
 | 10 | 10% | A | Active CDL drivers |
Read on to learn more about CDL discounts, including which companies can help you save the most on your insurance. Then, enter your ZIP code into our free comparison tool to see CDL insurance costs in your area today.
- CDL drivers can save up to 35% on their insurance from the right companies
- You can take advantage of other discounts for additional savings
- The best car insurance discounts for CDL drivers come from Progressive and Geico
CDL Car Insurance Discounts
Whether you need CDL insurance for new drivers or experienced road veterans, you can find the best car insurance discounts from some of the biggest providers. These include:
- Progressive: The Progressive CDL discount is one of the largest on the market, with savings of up to 35%. Explore other discount opportunities in our Progressive car insurance review.
- Geico: Geico offers 30% off, making it one of the best CDL discounts available. You can combine the Geico CDL discount with its government employee discount if you qualify.
- Nationwide: Save up to 28% when you shop at Nationwide. Check out our Nationwide car insurance review to see other programs you can take advantage of, such as the popular vanishing deductible add-on.
- State Farm: As one of the largest companies in the country, the State Farm CDL discount is a respectable 25%. See our State Farm car insurance review to learn more.
- Liberty Mutual: According to our Liberty Mutual car insurance review, CDL drivers in some areas may be eligible for savings of up to 23%.
These aren’t the only companies to offer a CDL insurance discount, but they have the best savings opportunities.
However, that’s not the only thing to consider when it comes to CDL insurance. For example, Allstate runs a commercial license program to help drivers get their CDL. You may qualify for a larger discount if you complete this program, but you’ll need to check Allstate commercial driver training school reviews to be sure.
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CDL Car Insurance Rates
Finding cheap car insurance for HGV drivers and CDL holders isn’t usually difficult. However, if you’re wondering, “Does having a CDL lower car insurance?” the answer is – not really.
Many factors affect how much car insurance is, but the primary two insurance companies look at for CDL drivers are their driving skills and how often they’re on the road. A CDL driver’s professional driving skills mean they’re less likely to get into an accident, but their increased road time increases their chances.
Because of this, CDL insurance rates are about the same as the national average. Check below to see how much you might pay for CDL insurance.
Like all other drivers, comparing quotes is the best way to find affordable coverage. To see personalized rates, you need to visit an insurance company’s website and fill out their quote request form.
Repeat this process with as many companies as possible to find which provider will have the lowest rates for you. If you don’t want to spend the time doing that, an online quote-generating tool can help you compare multiple companies at once.
How to Qualify for a CDL Car Insurance Discount
To get the best car insurance for commercial truck drivers, you’ll need to get commercial truck insurance discounts. Getting one is easy, but not everyone qualifies.
To qualify for a discount, you must hold a Commercial Driver’s License (CDL), required for operating large vehicles like trucks and buses. This license is regulated by the Federal Motor Carrier Safety Administration (FMCSA).
Insurance companies may have additional requirements, such as:
- A clean driving record
- Years of driving experience
- Completion of a defensive driving course
- No at-fault accidents or traffic violations in the past three years
- A minimum number of miles driven per year
To apply, provide proof of your CDL to your insurer, either through your agent or online. Once verified, the discount is applied to your auto insurance premium, lowering costs significantly.
Even new CDL drivers can access discounted insurance, helping them secure affordable coverage while meeting industry requirements.
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Additional savings are available for HGV drivers, rental vehicles, and commercial policies, ensuring financial efficiency and security.
Other Discounts Available for Commercial Truck Drivers
In addition to CDL car insurance discounts, many car insurance companies offer other discounts that commercial truck drivers may be eligible for. These discounts may include:
- Bundling Discounts: If you purchase a home or renters insurance policy from the same company you get your auto coverage from, you’ll likely earn a discount.
- Multi-Vehicle Discounts: Households with more than one vehicle can get a discount by insuring all cars on the same policy.
- Pay-In-Full Discounts: A pay-in-full discount is often available to drivers who pay for their entire six-month premium instead of paying in monthly installments.
- Safety Feature Discounts: If your vehicle has safety features installed like anti-lock brakes and air bags, you may qualify for this discount.
- Loyalty Discounts: Many car insurance companies offer a loyalty discount for long-term customers.
One of the most popular discounts CDL drivers take advantage of is good or safe driver discounts.
Many of the companies that offer the best safe driver car insurance discounts also offer excellent CDL discounts. Most discounts apply automatically apply to your account, but you may need to submit proof for some.
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Commercial Car Insurance for CDL Drivers
Most CDL drivers work for an employer who will provide insurance. However, if you own a trucking business, you’ll need to get commercial auto insurance for your vehicles.
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CDL drivers often operate large or high-risk vehicles, making proper coverage essential for:
- Liability protection in case of accidents causing injury or property damage
- Cargo coverage for transported goods (especially for truckers)
- Comprehensive and collision coverage for damage from theft, weather, or crashes
- Uninsured/underinsured motorist coverage to protect against drivers with insufficient insurance
Many states and employers require minimum coverage levels, and additional options like bobtail insurance (for driving without a trailer) or non-trucking liability (for off-duty driving) can provide extra protection.
Additionally, if you pick the right insurance company, you’ll likely gain access to a host of other benefits. For example, Progressive small business policies offer a variety of help for owners.
Having the right commercial auto policy helps CDL drivers stay legally compliant, financially secure, and fully protected on the road. Just like standard coverage, it’s integral to compare rates. That’s particularly true if you need commercial insurance for new CDL drivers.
Find the Best Car Insurance Discounts for CDL Drivers Today
While there are many types of commercial insurance and personal insurance, a CDL driver may be able to get a discount on all of them. The easiest way to lower your rates when you’re asking, “Does having a CDL lower your insurance?” is simply to pick a provider that offers a discount.
Like any other type of driver, the best way to get affordable coverage with a CDL is to compare quotes with multiple companies. To start comparing rates today, enter your ZIP code into our free comparison tool.
Frequently Asked Questions
What is a CDL car insurance discount?
A CDL car insurance discount is a type of discount offered to commercial drivers who hold a Commercial Driver’s License (CDL). It can help them save money on their auto insurance premiums.
How can I qualify for a CDL car insurance discount?
To qualify for this discount, you typically need to hold a valid CDL and provide proof of completion of a qualified training program or course.
How much of a discount can I receive with a CDL car insurance discount?
The best car insurance discounts for CDL drivers are up to 35% from Progressive. However, there are plenty of other options for CDL drivers, including Nationwide, Geico, and State Farm.
Does having a CDL raise your car insurance?
Wondering, “Does having a CDL increase insurance rates?” Generally speaking, your rates won’t increase just because you have a CDL. Your rates are more likely to increase for other reasons, especially if you’re involved in an accident or get a traffic violation. If you have too many marks against you on your driving record, you may need to find the best car insurance for high-risk drivers.
Does having a CDL make insurance cheaper?
Does a CDL lower insurance? Having a CDL can lower your car insurance rates because insurance companies often view CDL holders as more skilled and responsible drivers. However, other factors typically offset any savings and cancel out.
How much does CDL car insurance cost?
The cost of CDL car insurance varies depending on factors like driving history, location, type of vehicle, and coverage levels. On average, it can range from $1,200 to $2,500 annually. You’ll need to compare car insurance quotes to find the best rates for you.
How much is insurance for a new CDL driver?
Insurance for a new CDL driver can be higher due to lack of experience, typically ranging from $1,500 to $3,000 per year, depending on the insurer and other factors. Other factors affect insurance rates for new drivers, including if your state requires car insurance, what your driving record looks like, and what type of car you drive.
How do you get discounts on CDL car insurance?
CDL holders can get discounts on their car insurance by maintaining a clean driving record, bundling policies, completing defensive driving courses, and seeking out companies that specialize in commercial driver insurance. If your insurance is still too high, you can enter your ZIP code into our free comparison tool to find more affordable coverage elsewhere.
How can I save money on commercial car insurance?
You can save money on commercial car insurance by shopping around for quotes, maintaining a good driving record, increasing deductibles, and taking advantage of discounts for safety features and driver training programs.
Do CDL drivers get discounts on life insurance?
Unfortunately, life insurance for truck drivers doesn’t come with discounts for your profession. However, CDL drivers can get affordable rates from the best life insurance companies, regardless of what type of coverage they want.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
