Class 5–7 (16,001–33,000 lbs GVW) · 16,001–33,000 lbs
Box trucks (also called straight trucks) are Class 5 through Class 7 vehicles where the cargo area is permanently attached to the chassis — typically 16, 20, or 26 feet long. They're the workhorse of last-mile delivery, regional courier service, moving companies, and small-scale distribution. Insurance for box trucks rates differently from tractor-trailers because GVW is lower, operating radius is usually shorter, and cargo values are typically more modest.
$4,000–$9,000 per year per unit (1–5 vehicle fleet, $1M primary liability, $50K cargo, physical damage on $40K stated value, local radius). Last-mile delivery fleets sometimes rate higher due to frequency exposure.
Federal rules require a CDL for vehicles over 26,000 lbs GVW. Most box trucks come in under-26,000 lb configurations specifically so drivers don't need CDLs — that's why box trucks dominate last-mile delivery. If you're running 26,001+ lb trucks, you do need CDL drivers and the rating moves up.
Yes. Both are specific risk classes with carriers that target them. Premium rates differ from general commercial auto because of the high vehicle-per-mile frequency and the contract requirements with the parent company. We have markets that write both.
For one-off personal moves, rental insurance through the rental company is usually adequate. For commercial use — running a moving business — you need a commercial auto policy that schedules rental trucks as covered vehicles or includes hired-auto coverage.
Tell us about your vehicle and how you use it — we'll come back with quotes from the carriers that fit your class best.
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