Depending on the weight of the vehicle a truck can be rated commercial even when the use is personal. Trucks are commonly used on farms, for contractors and for hauling freight but can also be the vehicle of choice for personal use.

Smaller trucks are much more modular and the cost to repair after an accident has increased over the years. When considering the purchase of a truck you might consult with your agent or broker as to the rate group. One model versus another can result in a higher insurance premium. If the truck is rated personally it may be subject to a vehicle inspection if it is an older model.