Best Car Insurance Discounts for CDL Drivers in 2025 (Save up to 30% With These Companies!)
The best car insurance discounts for CDL drivers include good driver discounts, where professional CDL holders can earn up to 30% in savings. The best companies CDL drivers can get a good driver discount from are Liberty Mutual, Farmers, and State Farm, where insurance rates start at $80 per month.
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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...
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UPDATED: Apr 10, 2025
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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.
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: Apr 10, 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 are good driver discounts, which can help commercial driver’s license holders save up to 30%.
The cheapest car insurance companies for CDL drivers include Progressive, Geico, and Nationwide, thanks to savings like the good driver discount.
Our Top 10 Company Picks: Best Car Insurance Discounts for CDL Drivers
| Company | Rank | A.M. Best | Good Driver Discount | Clean Record Time |
|---|---|---|---|---|
 | #1 | A | 30% | 3 Years |
 | #2 | A | 30% | 3 Years |
 | #3 | A++ | 30% | 3 Years |
 | #4 | A++ | 26% | 5 Years |
 | #5 | A+ | 25% | 3 Years |
 | #6 | A | 25% | 3 Years |
 | #7 | A+ | 18% | 3 Years |
 | #8 | A+ | 15% | 3 Years |
 | #9 | A+ | 10% | 3 Years |
 | #10 | A++ | 10% | 5 Years |
While there may not be actual CDL discounts, you can learn which discounts can help you save the most on your insurance below. 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 30% on their insurance with a good driver discount
- You can take advantage of other discounts for additional savings
- The best discounts for CDL drivers come from Liberty Mutual and Farmers
Good driver discounts are one of the best ways for CDL drivers to save, but there are plenty of other ways to lower your monthly insurance bill.
CDL Car Insurance Discounts
While you won’t find a CDL-driver-specific discount, there are plenty of alternative ways for CDL drivers to lower their car insurance. For example, one of the most common discounts CDL drivers qualify for is a good or safe driver discount.
Whether you need CDL insurance for new drivers or experienced road veterans, you can find the best car insurance discounts with some of the biggest providers. Take a look below to see some of the most popular discounts for CDL drivers.
Top Car Insurance Discounts for CDL Drivers by Provider
| Company | Bundling | Good Driver | Low Mileage | Safety Features |
|---|---|---|---|---|
| 20% | 25% | 30% | 20% |
| 20% | 25% | 20% | 20% |
| 15% | 30% | 10% | 15% |
| 18% | 26% | 30% | 15% |
| 22% | 30% | 30% | 12% |
| 18% | 18% | 20% | 18% |
| 20% | 10% | 30% | 10% |
 | 25% | 30% | 30% | 20% |
| 15% | 15% | 10% | 15% |
| 15% | 10% | 20% | 13% |
These aren’t the only companies to offer a good driver insurance discount that CDL drivers can take advantage of, but they have the best savings opportunities.
In addition to CDL car insurance discounts for safe driving, many car insurance companies offer other discounts that commercial truck drivers may be eligible for. These discounts may include:
- Bundling: If you purchase a home or renters insurance policy from the same company you get your auto coverage from, you can earn up to 22% off from Nationwide. Learn more about this discount in our Nationwide car insurance review.
- Low Mileage: If you put fewer than 10,000 miles on your car annually, you may qualify for a discount of up to 30% from companies like Allstate. Explore the low-mileage discount in our Allstate car insurance review.
- Good Driver: Earn a good driver discount by keeping your driving record clean of traffic violations like at-fault accidents, DUIs, and speeding tickets. Check out our Liberty Mutual car insurance review to see how to save up to 30%.
- Safety Feature Discounts: If your vehicle has safety features installed like anti-lock brakes and air bags, you may qualify for this discount.
Many of the companies that offer the best safe driver car insurance discounts also offer excellent CDL discounts for good drivers. Most discounts apply automatically to your account, but you may need to submit proof for some.
If you own your own trucking company, you can also find discounts for commercial truck insurance from most major insurance companies.
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 Good Driver Discount as a CDL Driver
To get the best car insurance for commercial truck drivers, you’ll need to get commercial truck insurance discounts. Unfortunately, there are no direct CDL discounts. Instead, professional CDL drivers can qualify for a good driver discount to save on their insurance. Getting a good driver discount is easy, but not everyone qualifies.
To qualify for a good driver discount, CDL drivers have the same requirements as all other endorsements. Insurance companies typically require the following:
- 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
Insurance companies will automatically check your driving record when you either buy a new policy or at every renewal period. Once your driving record is 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.
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.
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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 to find a company with the most discounts that you can take advantage of.
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?
Unfortunately, there are no specific discounts for CDL drivers. However, holding a Commercial Driver’s License can help you find lower insurance premiums. One of the most popular discounts for CDL drivers is a good driver discount, which many qualify for because of their clean driving records.
How can I qualify for a CDL car insurance discount?
While you can’t qualify for a CDL discount because it doesn’t exist, there are plenty of other discounts you may be eligible for. For example, to get a good driver discount, all you need is a clean driving record.
How much of a discount can I receive with a CDL car insurance discount?
Insurance companies don’t offer CDL driver discounts, but there are plenty of other ways to save. The best car insurance discounts for CDL drivers are up to 30% from Liberty Mutual by getting a good driver discount. 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 car insurance cost for CDL drivers?
The cost of car insurance for CDL drivers 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 car insurance for CDL drivers?
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.
