Tow Truck Insurance — Compare Rates & Save
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1-833-505-2594Get Business Coverage helps towing companies and wrecker services find the right insurance at the right price. Tow trucks face unique risks — from on-hook liability to garage keepers coverage — and we connect you with carriers who understand the towing industry.
* Savings claims are based on industry averages when businesses compare multiple insurance quotes. Individual savings vary based on coverage, location, driving history, and other factors. We are not an insurance company or agent — we connect businesses with licensed insurance professionals.
Get Your Tow Truck Insurance Quote in Minutes
Fast, affordable tow truck insurance for towing companies, wrecker services, and roadside assistance providers. Compare rates from carriers who specialize in towing.
Why Choose Get Business Coverage?
- Compare tow truck insurance from multiple carriers in 5 minutes.
- Specialized coverage for flatbeds, wheel-lifts, and heavy-duty wreckers.
- Save with competitive rates from A-rated carriers.
- We work with operators who have less-than-perfect driving records.
Towing companies that compare insurance quotes save an average of $500 - $3,000 per year per truck. Savings vary based on truck type, services offered, claims history, and location.
Coverage Options for Tow Trucks
Protect your towing operation with tow truck insurance designed for the unique risks of the towing industry:
- On-Hook/Towing Coverage: Protects vehicles in your care while being towed.
- Garage Keepers Liability: Vehicles stored at your lot or facility.
- Commercial Auto Liability: Required coverage for tow trucks on the road.
- Physical Damage: Collision, comprehensive for your tow trucks.
- General Liability: Slip and fall, property damage at customer locations.
- Cargo & Equipment Coverage: Tools, chains, and towing equipment.
Why Tow Truck Insurance Matters
- Stay Compliant: Stay compliant with state and local towing regulations.
- Protect Your Investment: Protect vehicles in your care, custody, and control.
- Win More Contracts: Meet city and county contract insurance requirements.
Types of Tow Trucks We Cover
Whether you operate a single truck or a fleet, we cover all types of towing equipment:
- Flatbed Tow Trucks: The most common type — ideal for transporting vehicles safely without additional mileage.
- Wheel-Lift Tow Trucks: Light-duty towing for sedans and small vehicles.
- Heavy-Duty Wreckers: Coverage for large wreckers handling semis, buses, and commercial vehicles.
- Integrated Tow Trucks: Combined boom and wheel-lift units for versatile towing.
- Roadside Service Vehicles: Lockout, jump-start, and tire change service trucks.
Frequently Asked Questions
Common concerns — answered by licensed insurance professionals
How much does tow truck insurance cost?
Tow truck insurance typically costs $3,000-$8,000/year per truck depending on the type of towing, your location, driving record, and coverage limits. Heavy-duty wreckers cost more to insure than light-duty flatbeds.
What is on-hook/towing coverage?
On-hook coverage protects vehicles while they are being towed or transported on your truck. If the vehicle is damaged during transport, this coverage pays for the repair — protecting you from costly claims.
Do I need garage keepers insurance?
If you store customer vehicles at your lot or facility — even temporarily — you need garage keepers liability. It covers damage to customer vehicles while in your care from fire, theft, vandalism, or collision.
Can I get tow truck insurance with accidents on my record?
Yes. We work with carriers who cover tow truck operators with less-than-perfect driving records. Rates may be higher, but coverage is available. A clean record for 3+ years qualifies you for better rates.
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