A truck-insurance shopping service that connects owner-operators and fleets with agents, helping them compare coverage options before choosing a policy.
HQ is useful when you want help finding agents without starting each search from scratch. Customers in this sample often value introductions and follow-through. Treat that help as the start of the decision: the matched agent and insurer still determine your coverage and price. A cheaper quote elsewhere and complaints about the handoff make a written comparison worthwhile. Agree on contact preferences, then confirm the requested coverage, total cost and policy documents before paying a deposit.
Updated 2026-09-09
What stands out
A closer look at Commercial Truck Insurance HQ
Getting covered
Bring the same vehicle, driver and cargo details to each agent. Compare coverage and exclusions alongside the premium; three introductions need not produce three comparable offers.
Supporting details
Offers introductions to up to three agents to broaden the search. This is an agent-matching service, not three guaranteed policy offers. Source ↗
Owner-operators and fleets, from pickups to semis. The service connects applicants to agents who handle truck insurance. Source ↗
Publishes agency licenses for all 50 states and Washington, DC. A license listing does not establish that a particular insurer accepts your operation. Source ↗
Offers agent matching for new authorities. Acceptance and coverage still depend on the agent and insurer’s assessment. Source ↗
The quote form asks about your state, authority arrangement, vehicles, equipment values and drivers. Source ↗
The form asks fleet applicants for truck and driver schedules so agents can assess the operation. Source ↗
Offers help finding agents for primary liability coverage. Limits and endorsements must be established in the actual quote. Source ↗
Its cargo guide highlights theft, loading and unloading, refrigeration breakdown and cleanup as coverage questions. These are not automatically included benefits. Source ↗
Customer experience: Several accounts value finding agents and alternatives.
Research context
Feedback spans November 2022–July 2026 and covers matching and sometimes another agent’s service. It does not establish insurer claims performance or results for similar fleets.
At a glance
Who it serves
Owner-operators and fleets, from pickups to semis. The service connects applicants to agents who handle truck insurance.More details
Matching cost
Advertises its standard insurance-shopping service as free to the shopper. The insurance premium is separate.More details
Policy commitment
Policy term, cancellation, refunds and payment arrangements belong to the agreement with the matched provider; HQ does not publish one universal policy contract.More details
Information for the search
The quote form asks about your state, authority arrangement, vehicles, equipment values and drivers.More details
Costs, plans & capabilities
Finding an agent
Commercial Truck Insurance HQ is the quote-matching brand of Commercial Truck Quotes LLC, based in Mount Pleasant, South Carolina.
Publishes agency licenses for all 50 states and Washington, DC. A license listing does not establish that a particular insurer accepts your operation.
Offers introductions to up to three agents to broaden the search. This is an agent-matching service, not three guaranteed policy offers.
The concierge approach lets you start with one agent and seek another option if needed.
The concierge service describes arranging choices on your schedule. Discuss how and when you want to hear from agents.
Phone support at 843-790-6864, Monday–Friday, 8am–8pm Eastern. These are matching-service hours, not an insurer’s claims schedule.
Preparing your operation
The quote form asks about your state, authority arrangement, vehicles, equipment values and drivers.
The form asks fleet applicants for truck and driver schedules so agents can assess the operation.
Offers agent matching for new authorities. Acceptance and coverage still depend on the agent and insurer’s assessment.
The new-authority guide identifies driving history, equipment value, cargo and operating radius as pricing factors. It does not provide a binding rate for your business.
Comparing the coverage
HQ says it does not quote or sell policies. The matched agent and insurer handle the policy itself.
Offers help finding agents for primary liability coverage. Limits and endorsements must be established in the actual quote.
Its cargo guide highlights theft, loading and unloading, refrigeration breakdown and cleanup as coverage questions. These are not automatically included benefits.
The terms do not guarantee a match, an offer of coverage or the lowest available price.
Price and policy terms
Advertises its standard insurance-shopping service as free to the shopper. The insurance premium is separate.
Matched providers may pay HQ referral fees. Your agent’s fees and insurance charges are governed by your agreement with that provider.
Policy term, cancellation, refunds and payment arrangements belong to the agreement with the matched provider; HQ does not publish one universal policy contract.
HQ’s privacy policy describes sharing quote details with service providers who may contact you by phone or email. An introduction is not a policy purchase.
After choosing a policy
The cargo guide advises checking certificate access when choosing a provider. No HQ-operated certificate service or delivery guarantee is established.
HQ does not issue or bind coverage. Identify the insurer and claims contact in the policy offered by the matched agent.
HQ encourages comparing the market each year as rates and underwriting change. Returning to the matching service does not itself renew or cancel a policy.
Plan details
Who runs the service
Commercial Truck Insurance HQ is the quote-matching brand of Commercial Truck Quotes LLC, based in Mount Pleasant, South Carolina. Source ↗Checked 2026-09-09
Who it serves
Owner-operators and fleets, from pickups to semis. The service connects applicants to agents who handle truck insurance. Source ↗Checked 2026-09-09
Where it operates
Publishes agency licenses for all 50 states and Washington, DC. A license listing does not establish that a particular insurer accepts your operation. Source ↗Checked 2026-09-09
Agent introductions
Offers introductions to up to three agents to broaden the search. This is an agent-matching service, not three guaranteed policy offers. Source ↗Checked 2026-09-09
How many agents to speak with
The concierge approach lets you start with one agent and seek another option if needed. Source ↗Checked 2026-09-09
Matching cost
Advertises its standard insurance-shopping service as free to the shopper. The insurance premium is separate. Source ↗Checked 2026-09-09
Other charges
Matched providers may pay HQ referral fees. Your agent’s fees and insurance charges are governed by your agreement with that provider. Source ↗Checked 2026-09-09
Quote availability
The terms do not guarantee a match, an offer of coverage or the lowest available price. Source ↗Checked 2026-09-09
Who issues coverage
HQ says it does not quote or sell policies. The matched agent and insurer handle the policy itself. Source ↗Checked 2026-09-09
Policy commitment
Policy term, cancellation, refunds and payment arrangements belong to the agreement with the matched provider; HQ does not publish one universal policy contract. Source ↗Checked 2026-09-09
Contact preferences
The concierge service describes arranging choices on your schedule. Discuss how and when you want to hear from agents. Source ↗Checked 2026-09-09
What happens after matching
HQ’s privacy policy describes sharing quote details with service providers who may contact you by phone or email. An introduction is not a policy purchase. Source ↗Checked 2026-09-09
Information for the search
The quote form asks about your state, authority arrangement, vehicles, equipment values and drivers. Source ↗Checked 2026-09-09
Fleet preparation
The form asks fleet applicants for truck and driver schedules so agents can assess the operation. Source ↗Checked 2026-09-09
New ventures
Offers agent matching for new authorities. Acceptance and coverage still depend on the agent and insurer’s assessment. Source ↗Checked 2026-09-09
What affects a quote
The new-authority guide identifies driving history, equipment value, cargo and operating radius as pricing factors. It does not provide a binding rate for your business. Source ↗Checked 2026-09-09
Liability shopping
Offers help finding agents for primary liability coverage. Limits and endorsements must be established in the actual quote. Source ↗Checked 2026-09-09
Cargo details
Its cargo guide highlights theft, loading and unloading, refrigeration breakdown and cleanup as coverage questions. These are not automatically included benefits. Source ↗Checked 2026-09-09
Certificate access
The cargo guide advises checking certificate access when choosing a provider. No HQ-operated certificate service or delivery guarantee is established. Source ↗Checked 2026-09-09
Claims responsibility
HQ does not issue or bind coverage. Identify the insurer and claims contact in the policy offered by the matched agent. Source ↗Checked 2026-09-09
Shopping again
HQ encourages comparing the market each year as rates and underwriting change. Returning to the matching service does not itself renew or cancel a policy. Source ↗Checked 2026-09-09
Matching assistance
Phone support at 843-790-6864, Monday–Friday, 8am–8pm Eastern. These are matching-service hours, not an insurer’s claims schedule. Source ↗Checked 2026-09-09
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