In the transportation and logistics industry, trucking insurance plays a crucial role in safeguarding both businesses and drivers.
Whether you own a single truck or manage a fleet, having the right insurance coverage can protect you from unexpected financial losses caused by accidents, theft, or liability claims. Choosing the best trucking insurance company ensures peace of mind and long-term stability for your business.
In this article, we’ll explore the top trucking insurance companies in 2025, the types of truck insurance they offer, and why comparing policies can help you find the best coverage at affordable rates.
What Is Trucking Insurance?
Trucking insurance is a specialized type of commercial vehicle insurance designed for businesses that use trucks for transporting goods. It provides financial protection against accidents, cargo loss, physical damage, and liability claims.
Trucking insurance typically includes:
- Primary liability insurance – Covers bodily injury and property damage caused to others.
- Physical damage coverage – Protects your truck against collision, fire, theft, or vandalism.
- Motor truck cargo insurance – Covers the goods being transported.
- Bobtail insurance – Protects when driving a truck without a trailer.
- General liability insurance – Covers non-driving related risks like injuries at loading docks.
Top Trucking Insurance Companies in 2025
Let’s take a look at some of the best trucking insurance companies that offer reliable and affordable coverage options for owner-operators, small fleets, and large carriers.
1. Progressive Commercial Truck Insurance
Progressive remains one of the most popular names in commercial trucking insurance due to its extensive coverage options and flexible pricing.
Key Features:
- Offers Primary Liability, Physical Damage, and Cargo Insurance.
- 24/7 claims support and flexible payment plans.
- Discounts for bundling policies and using electronic logging devices (ELDs).
- Coverage for owner-operators, motor carriers, and private carriers.
Why Choose Progressive:
Progressive is known for its competitive rates and quick online quotes. It’s ideal for those seeking affordable trucking insurance with nationwide coverage.
2. State Farm Commercial Truck Insurance
State Farm is a trusted name in the insurance world, offering reliable coverage and personalized service for trucking businesses.
Key Features:
- Excellent liability protection for small and mid-sized fleets.
- Local agents provide customized policy options.
- Roadside assistance and repair coverage included.
Why Choose State Farm:
State Farm is best for small business owners who prefer working with local agents to build tailored commercial trucking insurance policies.
3. Nationwide Commercial Truck Insurance
Nationwide offers comprehensive policies for independent drivers and trucking companies. It’s one of the top-rated providers for commercial vehicle coverage.
Key Features:
- Liability and collision coverage for all types of commercial trucks.
- Fleet management solutions for multiple trucks.
- Optional cargo and trailer interchange insurance.
Why Choose Nationwide:
Nationwide stands out for its flexible plans and strong customer service reputation. It’s great for both owner-operators and fleet owners looking for broad coverage.
The Hartford Trucking Insurance
The Hartford specializes in providing tailored insurance for trucking companies and logistics businesses.
Key Features:
- Offers general liability, cargo coverage, and workers’ compensation.
- Excellent claims handling and risk management tools.
- Discounts for safe driving records and driver training programs.
Why Choose The Hartford:
With over 200 years in business, The Hartford is known for its reliability and focus on business protection. It’s ideal for established trucking companies seeking comprehensive coverage.
5. Sentry Insurance for Truckers
Sentry Insurance is one of the top choices for long-haul and regional trucking businesses.
Key Features:
- Offers customized policies for owner-operators and fleets.
- Includes physical damage, cargo, and liability coverage.
- 24/7 claims service and expert risk management advice.
Why Choose Sentry:
Sentry focuses exclusively on the trucking industry, providing industry-specific insights and cost-saving coverage options.
6. OOIDA (Owner-Operator Independent Drivers Association)
OOIDA is a popular choice among independent truck drivers. It’s a membership-based organization offering affordable owner-operator truck insurance.
Key Features:
- Specializes in coverage for independent drivers.
- Offers cargo, physical damage, and occupational accident insurance.
- Discounts for OOIDA members and safety programs.
Why Choose OOIDA:
Perfect for independent drivers seeking affordable, community-based insurance with tailored support.
7. CoverWallet (Digital Trucking Insurance Marketplace)
CoverWallet is an online platform that allows you to compare trucking insurance quotes from multiple providers.
Key Features:
- Easy-to-use platform for comparing policies.
- Works with top insurance partners like Progressive and Liberty Mutual.
- Flexible plans for new trucking businesses and owner-operators.
Why Choose CoverWallet:
Ideal for those who want to compare quotes online and find the best truck insurance rates quickly.
How to Choose the Best Trucking Insurance Company
When selecting a commercial trucking insurance provider, consider the following factors:
- Coverage Options – Ensure the company offers all necessary types of coverage (liability, cargo, physical damage).
- Premium Costs – Compare quotes from multiple providers to get the best deal.
- Claims Process – Choose insurers known for fast and fair claims handling.
- Reputation & Ratings – Check customer reviews and financial strength.
- Discounts – Look for multi-truck, safe driver, or bundle policy discounts.
Average Cost of Trucking Insurance
The average cost of commercial truck insurance ranges between $8,000 and $14,000 per year for owner-operators with their own authority. For leased drivers, costs are usually lower, around $3,000 to $5,000 annually.
Factors influencing cost include:
- Type of cargo
- Driving history
- Vehicle type and value
- Coverage limits
- Business location
Final Thoughts
Finding the best trucking insurance company depends on your specific needs—whether you’re an owner-operator, manage a small fleet, or run a large trucking business. Companies like Progressive, Nationwide, and The Hartford consistently rank among the top for reliability, affordability, and comprehensive coverage.
By comparing quotes and evaluating your coverage needs, you can ensure that your business stays protected on every route.