The average tow truck insurance premium for a single truck ranges from $450 to $620 per month, or $5,400 to $7,440 annually, according to ProInsGroup. Even clean fleets with no claims are seeing 7 to 15 percent rate increases in 2026 as rising litigation severity, ADAS-equipped vehicle repair costs, and nuclear verdicts continue to pressure the commercial auto insurance market.
Operator takeaway
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