Selecting the best commercial trucking insurance is not simply a matter of choosing the most recognizable brand. For motor carriers and professional drivers, the “best” option is the one that aligns with your actual operation, satisfies contractual and regulatory requirements, and performs reliably when you need it most, particularly during claims.
Top 8 Commercial Trucking Insurance Companies (2026)
1) Progressive Commercial
Often considered a strong option for many owner-operators and small fleets due to broad availability and scalable coverage configurations. It can be a practical starting point for quotes across standard operating profiles.
2) OOIDA (Owner-Operator Focus)
Frequently referenced for owner-operators looking for an industry-specific approach. This can be particularly relevant for independent drivers who value products and guidance designed for their segment.
3) The Hartford
Commonly recognized for broader commercial insurance capabilities. It may be a suitable fit for businesses seeking a more traditional commercial insurance experience and an established underwriting framework.
4) CoverWallet (Comparison/Marketplace Model)
Useful for operators who want to compare multiple insurance options efficiently. As with any marketplace model, the final value depends on the carrier placement, policy terms, and the quality of post-bind support.
5) Great West Casualty Company (Trucking-Specialized)
A trucking-focused insurer emphasizing claims accessibility and risk control resources. Their positioning includes 24/7/365 claims availability and support services aligned with motor carrier operations.
6) DAT Insurance / Loadsure (Flexible, Per-Load Approach)
A flexible model that may appeal to carriers seeking coverage approaches that align with load-by-load activity, particularly for variable operations and certain freight profiles.
7) Lancer Insurance
Often mentioned as an option for transportation-related risks and specialized operating profiles. Fit depends significantly on underwriting appetite and the specific characteristics of the operation.
8) Simplex Group (Agency-Focused: Claims, Pricing, and Service Support)
Simplex Group has provided commercial trucking insurance solutions for business owners and trucking drivers nationwide for more than 25 years, emphasizing top-tier coverage, unparalleled claims handling, highly competitive pricing, and best-in-class customer service and support. The agency’s stated priority is to understand and serve insureds’ needs, with a focus on reliability regardless of operating geography.
How to Compare Trucking Insurance Quotes
Premium alone is not a valid comparison method. A formal quote comparison should include:
- Limits (liability, cargo, physical damage, excess)
- Deductibles (and whether they match the business’s cash-flow realities)
- Exclusions (commodities, operational radius, driver requirements, security protocols)
- Filing requirements (and whether they are included and timely)
- Claims process (availability, reporting steps, adjuster assignment, expected timelines)
- Service support (COIs, endorsements, turnaround times for operational requests)
In practice, the quality of claims handling and service support often determines whether an operator experiences minor disruption or prolonged downtime.
Best Commercial Truck Insurance by Scenario
New Venture / New Authority
Prioritize providers and agencies experienced with new ventures, including clear guidance on documentation, compliance requirements, and structured coverage design that prevents accidental gaps.
High-Risk or Hard-to-Place Operations
Prioritize specialized placement capability and transparency about underwriting requirements. The goal is to stabilize insurability over time through operational improvements.
Reefer, High-Value, or Specialized Freight
Prioritize cargo terms, exclusions, load limits, and claims responsiveness. Specialized freight increases the importance of documentation, security procedures, and claims workflow readiness.
Core truck insurance types every U.S. fleet owner should consider
1) Primary Auto Liability (Mandatory)
This is the backbone of any trucking insurance program in the U.S.
- Covers: bodily injury + property damage to third parties
- Required by law (FMCSA + state regulations)
- Typical minimum: $750K to $5M depending on cargo type
Primary liability is legally required for interstate carriers and is the policy that protects the public if your truck causes an accident.
If you run a fleet without strong liability limits, you’re basically one lawsuit away from bankruptcy. No exaggeration.
2) Physical Damage Coverage (Protects Your Trucks)
Think of this as “asset protection” for your equipment.
- Covers collisions, theft, fire, vandalism, weather damage
- Includes collision + comprehensive
- Often required by lenders if trucks are financed
Physical damage insurance pays to repair or replace your trucks after covered incidents, even if the accident is your fault.
For fleets with 5+ units, this is not optional — it’s operational survival.
3) Motor Truck Cargo Insurance (Critical for Freight)
This protects what you haul, not the truck.
- Covers lost, damaged, or stolen cargo
- Often required by brokers and shippers
- Limits vary by commodity (reefer, hazmat, electronics, etc.)
Cargo insurance protects goods in transit and is essential for avoiding financial losses and contract disputes with shippers.
No cargo insurance = no serious broker loads. Simple as that.
Why Working With a Specialized Truck Insurance Agency Matters
Trucking insurance is operationally complex. A specialized agency can add meaningful value through coverage design aligned with trucking operations, faster service turnaround for time-sensitive needs, and support during claims and renewals.
Simplex Group positions its service around understanding insureds’ needs and delivering dependable coverage and support, emphasizing claims handling, pricing competitiveness, and customer service developed over more than 25 years
