Introduction
If you’re in the trucking business in the United States, you already know how important it is to have the right truck insurance. Whether you operate a single rig or manage a fleet, protecting your vehicles, drivers, and cargo is critical. But with so many providers out there, how do you know which ones truly offer the best value?
In this 2025 guide to the top rated truck insurance companies in the USA, we’ll break down the best providers based on coverage, pricing, customer support, and user reviews. We’ll also help you understand what to look for when choosing the right insurance for your trucking operations.
Why Truck Insurance Matters More Than Ever in 2025
The trucking industry is evolving rapidly. With more stringent federal regulations, rising fuel prices, and increasing road risks, having the right insurance is not just a formality—it’s a necessity.
A well-chosen policy can:
- Protect you from financial loss in the event of an accident
- Ensure compliance with FMCSA regulations
- Safeguard your cargo and reputation
- Help keep your operations running smoothly
Now, let’s dive into the companies that are leading the market in 2025.
Top 7 Truck Insurance Companies in the USA (2025)
1. Progressive Commercial
Why it stands out: Progressive is consistently ranked as one of the top truck insurance providers in the U.S. Known for its competitive pricing and wide coverage options, it’s ideal for both individual owner-operators and fleet owners.
- Key Benefits:
- Instant online quotes
- Specialized commercial truck coverage
- 24/7 claims service
- Discounts for bundled policies
Best for: Owner-operators and small fleets.
2. CoverWallet (Aon)
Why it stands out: CoverWallet is a digital insurance platform backed by Aon. It allows trucking companies to compare quotes from top carriers in minutes, making the process fast and transparent.
- Key Benefits:
- Easy online comparison tool
- Customized policies for commercial trucking
- Digital policy management
Best for: Tech-savvy business owners who want to compare multiple quotes.
3. OOIDA (Owner-Operator Independent Drivers Association)
Why it stands out: OOIDA offers insurance specifically for independent truckers. They understand the unique challenges owner-operators face and provide comprehensive, affordable plans.
- Key Benefits:
- Created by and for truckers
- Personalized service
- Competitive premiums
Best for: Independent owner-operators looking for tailored solutions.
4. Sentry Insurance
Why it stands out: Sentry is known for its strong commitment to the trucking industry. With over 50 years of experience, it offers robust coverage and personalized service for fleets of all sizes.
- Key Benefits:
- Experienced agents
- Safety and loss control programs
- Claims handled in-house
Best for: Medium to large-sized fleets needing risk management support.
5. The Hartford
Why it stands out: The Hartford is a trusted name in commercial insurance. Their truck insurance products are comprehensive, and they offer excellent customer service.
- Key Benefits:
- Reputation for fast claims processing
- Extensive policy options
- Tailored coverages for trucking companies
Best for: Businesses wanting a reputable, all-in-one provider.
6. Nationwide
Why it stands out: Known for its broad commercial coverage and solid financial stability, Nationwide offers flexible plans for long-haul truckers and small fleets alike.
- Key Benefits:
- Strong customer support
- Customizable policies
- Business continuity services
Best for: Trucking companies seeking long-term insurance partners.
7. GEICO Commercial Auto
Why it stands out: GEICO provides reliable, low-cost commercial vehicle insurance with basic coverage needs. It’s a good starting point for small businesses or owner-operators.
- Key Benefits:
- Affordable premiums
- Trusted national brand
- Simple online quote process
Best for: New trucking businesses or solo drivers on a budget.
What to Look for in a Truck Insurance Provider
When shopping for truck insurance, don’t just focus on the price. Consider these key factors:
- Coverage Options
Ensure the policy covers liability, physical damage, cargo, bobtail, and non-trucking use. - Financial Stability
Choose companies with strong ratings from A.M. Best or similar financial rating agencies. - Customer Service
A responsive claims team can make all the difference after an accident. - Industry Experience
Insurers who specialize in trucking understand the risks and offer more relevant coverage. - Discounts and Flexibility
Look for multi-policy discounts, safety incentives, and flexible payment plans.
Most Common Types of Truck Insurance
To understand what you’re buying, here are the most common types of coverage:
- Primary Liability Insurance – Mandatory by FMCSA, covers damage to others.
- Physical Damage Insurance – Covers repairs to your truck after an accident.
- Motor Truck Cargo Insurance – Covers loss or damage to the freight you’re hauling.
- General Liability Insurance – Covers non-trucking-related incidents.
- Bobtail/Non-Trucking Liability – Protects when the truck is being used without a trailer or for personal reasons.
Average Cost of Truck Insurance in the USA (2025)
The average cost for commercial truck insurance in the USA varies widely:
| Type of Operation | Estimated Annual Premium |
|---|---|
| Owner-Operator (Lease On) | $3,000 – $5,000 |
| Owner-Operator (Own Authority) | $9,000 – $15,000 |
| Small Fleet (3-5 Trucks) | $18,000 – $30,000 |
Note: Rates depend on driving history, vehicle type, routes, and coverage limits.
Tips to Lower Your Truck Insurance Premium
- Maintain a Clean Driving Record – Fewer accidents = lower premiums.
- Use Dash Cams & Telematics – Technology helps monitor driver behavior.
- Increase Deductibles – Higher deductibles can reduce monthly costs.
- Bundle Insurance Policies – Combine general liability and truck coverage.
- Stay Compliant – Keep your DOT and FMCSA filings up to date.
Final Thoughts
Choosing the right truck insurance company in 2025 isn’t just about finding the cheapest rate — it’s about protecting your livelihood and ensuring peace of mind on the road.
Whether you’re a seasoned fleet manager or a new owner-operator, the companies listed above offer trustworthy solutions for all types of trucking operations.
Take the time to compare quotes, read customer reviews, and speak with a licensed agent before making a decision. After all, in the trucking world, the right protection makes all the difference.
FAQs: Truck Insurance in the USA (2025)
Q: Who offers the cheapest truck insurance in the USA?
A: GEICO and Progressive often have affordable options for basic coverage. However, the cheapest depends on your driving record and business type.
Q: How can I get a fast quote?
A: Use online platforms like CoverWallet or Progressive Commercial for instant quotes.
Q: Is truck insurance mandatory in the USA?
A: Yes, if you’re operating commercially, you are required by federal and state law to carry minimum liability coverage.