In the world of logistics and transportation, trucking insurance is more than just a requirement — it’s a financial safeguard for your business.
Whether you’re an independent driver or managing a fleet, having the right commercial truck insurance ensures protection from unexpected accidents, liability claims, theft, and cargo loss.
If you’re searching for the best trucking insurance companies in 2025, this comprehensive guide covers top providers, coverage options, and cost factors — with strategically placed high CPC keywords to boost your SEO ranking.
What Is Trucking Insurance and Why It Matters
Trucking insurance (also known as commercial truck insurance) provides financial protection for trucking businesses against physical damage, liability, and cargo-related losses. Since trucks transport valuable goods across long distances, even a small accident can result in heavy financial loss.
Key components of a trucking insurance policy include:
- Primary Liability Insurance: Covers bodily injury or property damage to others.
- Physical Damage Coverage: Protects your vehicle against accidents, theft, and fire.
- Motor Truck Cargo Insurance: Covers goods being transported.
- Bobtail or Non-Trucking Liability: Covers your truck when it’s not under dispatch.
- General Liability Insurance: Protects from non-driving related risks.
Best Trucking Insurance Companies in 2025
Here are the top-rated trucking insurance providers in the U.S. offering reliable, affordable, and comprehensive coverage for commercial trucks.
1. Progressive Commercial Truck Insurance
Progressive continues to dominate the trucking insurance industry with its customizable plans and nationwide presence.
Key Benefits:
- Offers liability, cargo, and physical damage coverage.
- 24/7 claims service and flexible payment options.
- Discounts for safe drivers and usage of Electronic Logging Devices (ELDs).
- Ideal for owner-operators and small fleet owners.
Why It’s the Best:
Progressive offers one of the most affordable commercial truck insurance options, making it perfect for startups and independent truckers.
2. State Farm Commercial Truck Insurance
State Farm is well-known for its personalized customer service and flexible truck insurance plans.
Highlights:
- Provides liability and physical damage coverage.
- Offers local agent support for custom policy creation.
- Includes roadside assistance and quick claims service.
Why Choose State Farm:
If you prefer one-on-one guidance from an agent, State Farm’s customer-centric approach is ideal. It’s a trusted name in business vehicle insurance.
3. Nationwide Trucking Insurance
Nationwide stands among the best for comprehensive protection and large fleet management solutions.
Features:
- Covers cargo, liability, and collision damage.
- Provides trailer interchange insurance and general liability coverage.
- Excellent for long-haul trucking companies.
Why It’s Great:
Nationwide is known for strong financial stability and reliability, ensuring claims are handled smoothly.
4. The Hartford Truck Insurance
The Hartford is a reputable name in commercial vehicle insurance, offering coverage suited for businesses of all sizes.
Key Benefits:
- Customizable plans for cargo, liability, and business interruption.
- Risk management support and accident prevention programs.
- Quick claims process and extensive business coverage options.
Why It’s Recommended:
It’s an excellent choice for established trucking businesses needing full-scale protection and risk management.
5. Sentry Insurance for Truckers
Sentry Insurance focuses specifically on the trucking industry and offers tailor-made solutions for owner-operators and long-haul truckers.
Highlights:
- Provides liability, physical damage, and cargo protection.
- 24/7 claims and safety consultation.
- Discounts for safe drivers and good maintenance records.
Why It’s a Top Pick:
Sentry’s industry expertise makes it one of the best trucking insurance companies for specialized fleets.
6. OOIDA (Owner-Operator Independent Drivers Association)
OOIDA is a non-profit organization that provides affordable truck insurance for independent drivers.
Coverage Includes:
- Physical damage, cargo, and occupational accident insurance.
- Discounted rates for OOIDA members.
- Support for small trucking businesses.
Why It’s Beneficial:
OOIDA understands the challenges of independent truckers and provides insurance plans designed for affordability and flexibility.
7. CoverWallet (Online Truck Insurance Comparison)
CoverWallet is an online platform that lets you compare commercial truck insurance quotes from multiple providers.
Key Features:
- Instant quotes from major insurers.
- Simple online application and policy management.
- Ideal for startups and small fleets.
Why Choose CoverWallet:
It’s perfect for those who want to compare multiple trucking insurance quotes before choosing a policy.
Average Cost of Trucking Insurance
The average cost of commercial truck insurance depends on several factors, including location, driving history, and coverage needs.
| Type of Coverage | Average Annual Cost |
|---|---|
| Primary Liability | $6,000 – $10,000 |
| Physical Damage | $2,000 – $4,000 |
| Cargo Insurance | $1,000 – $3,000 |
| Non-Trucking Liability | $500 – $1,500 |
Cost Influencers:
- Type of cargo (hazardous or non-hazardous)
- Truck model and age
- Driver experience
- Operating region and routes
Tips for Choosing the Best Trucking Insurance Company
- Compare Multiple Quotes – Use platforms like CoverWallet to find the best rates.
- Check Financial Strength – Choose insurers with high A.M. Best ratings.
- Consider Discounts – Ask about safe driver and multi-truck discounts.
- Review Policy Details – Ensure your plan covers cargo, liability, and downtime.
- Evaluate Customer Support – Go for companies known for quick claim settlements.
Final Thoughts
Selecting the best trucking insurance company ensures that your business stays protected from financial risks on and off the road. Whether you choose Progressive for affordability, State Farm for personal service, or The Hartford for complete business coverage, the right insurer can make all the difference in keeping your operations smooth and secure.
For owner-operators and fleet managers, comparing policies and understanding coverage options is key to getting the best commercial truck insurance at the most competitive rates.