In today’s logistics world, having the right protection is just as crucial as having a reliable truck. With risks ranging from road accidents to cargo theft, choosing the top trucking insurance companies is a business decision that can save money and lives.
Getting the best insurance isn’t just about cost—it’s about reliability, service, and protection in times of crisis. But with dozens of providers claiming to be the best, how do you choose?
This guide breaks down the top trucking insurance companies of 2025, what they offer, and why they stand out. Whether you’re starting or reviewing your current provider, this list is your road map to smarter coverage.
What Makes a Trucking Insurance Company the “Top” Choice?
When it comes to selecting a top trucking insurance provider, several factors come into play. The company must not only offer competitive rates but also understand the unique needs of the transportation industry. That means 24/7 claims support, flexible policy options, and specific coverages like cargo, liability, physical damage, and trailer interchange.
Great trucking insurers have a reputation built over time. Companies that are top-rated in 2025 typically show consistent customer satisfaction, financial stability, and innovation, such as GPS-enabled fleet management tools or driver behavior monitoring. Let’s dive into the top players.
Top Trucking Insurance Companies in 2025
- Progressive Commercial
Progressive remains one of the most recognized names in commercial trucking insurance. Known for customizable policies and extensive coverage options, it serves both small owner-operators and large fleets. With round-the-clock claims assistance and nationwide reach, Progressive earns its place on this list. - The Hartford
Specializing in small businesses and trucking coverage, The Hartford offers excellent cargo insurance, liability, and rental reimbursement. Their superior customer service and efficient claims resolution set them apart, especially for medium-sized fleets. - Nationwide
Nationwide offers a broad portfolio of trucking insurance products and includes extras like fleet risk management support. Their bundling options allow you to combine commercial auto, general liability, and workers’ compensation policies for better pricing and efficiency. - Sentry Insurance
This company has decades of experience in the trucking industry. Sentry provides tailored packages for long-haul truckers, local delivery operators, and everything in between. Customers highlight its personal service and extensive risk assessment tools. - Berkshire Hathaway GUARD
Part of Warren Buffett’s conglomerate, Berkshire Hathaway GUARD has gained a strong reputation for fast underwriting, transparent pricing, and top-notch claims service. They’re especially popular among logistics startups for their flexible policy designs. - Northland Insurance
Owned by Travelers, Northland specializes in trucking insurance for small and mid-sized fleets. What makes them unique is their dedicated risk control services and deep knowledge of FMCSA regulations. - CoverWallet (Aon)
For tech-savvy trucking businesses, CoverWallet offers a digital-first approach. You can compare policies, get quotes, and even manage claims—all online. Backed by Aon, they combine modern convenience with old-school reliability. - OOIDA (Owner-Operator Independent Drivers Association)
OOIDA isn’t a traditional insurer but offers trusted policies to its members. Designed specifically for owner-operators, their coverage includes physical damage, non-trucking liability, and occupational accident insurance. - Reliance Partners
Reliance has made a name for itself in the logistics world, especially for startups and fast-growing fleets. Known for their fast quoting process and dedicated trucking agents, they bring agility to a very traditional industry. - State Farm Commercial Auto
While better known for personal auto, State Farm’s commercial auto division is gaining traction in trucking. Their localized agents, solid customer service, and financial strength make them an attractive option for regional carriers.
Key Coverages to Look for in Trucking Insurance
While evaluating these top trucking insurance companies, it’s vital to understand what kind of coverage your business needs. Not all policies are created equal, and some might leave you exposed in crucial areas. The must-haves include
- Primary Liability Insurance: Required by law, this covers bodily injuries or property damage to others caused by your truck.
- Physical Damage Coverage: Pays for repairs or replacement of your own truck in the event of an accident, vandalism, or weather-related damage.
- Motor Truck Cargo Insurance: Protects the goods you’re transporting in case of theft, fire, or accident.
- Non-Trucking Liability (Bobtail Insurance): Covers incidents when you’re driving the truck for personal use without a trailer.
- Trailer Interchange: Important if you haul trailers owned by other carriers under interchange agreements.
- Medical Payments: Covers medical expenses for the driver and passengers after an accident.
- General Liability: Covers injuries or property damage that happen outside of truck operation, like at loading docks or warehouses.
- Reefer Breakdown: For refrigerated trucks, this coverage pays for spoilage caused by equipment failure.
Each company on our list offers most of these coverages, but the quality, limits, and extra features vary. Some insurers, like Reliance or Sentry, also provide safety consultations or telematics to reduce risk and lower premiums.
Why Choosing the Right Insurer Matters
Selecting the right trucking insurance provider isn’t just about fulfilling a legal requirement—it can impact your bottom line, customer trust, and peace of mind. A late claim payout, slow support, or inadequate coverage can grind your operations to a halt. On the flip side, a good insurer acts like a true partner, helping reduce risk, avoid penalties, and protect your livelihood.
Trucking is unpredictable. Weather, theft, accidents, or breakdowns can happen anytime. So, having a partner who picks up the phone at 2 AM and solves your problem is worth every penny. That’s why all the companies in this list stand out—not just for the policies they sell, but for the protection they deliver.
Conclusion
In 2025, the trucking industry will be more competitive and regulated than ever before. Having the right insurance provider is not just a box to check—it’s a foundational element of your success. Whether you’re transporting groceries across states or hauling heavy machinery in your local area, the top trucking insurance companies help ensure you stay protected, compliant, and profitable.
Each company featured here brings something unique to the table, from 24/7 support to advanced telematics. The key is knowing your business’s specific needs and matching them with the provider who understands them best. Don’t wait for an accident to realize your coverage gaps—review your options now and protect your journey ahead.