Top 10 Truck Insurance Companies in the U.S. (2025)

Choosing the right truck insurance company is one of the most important decisions a carrier or owner-operator can make. A good provider will not only offer competitive premiums but also reliable customer service, fast claims processing, and the specific coverages you need. In this comprehensive guide, we break down the top 10 truck insurance companies in the U.S. for 2025, based on reputation, services, affordability, and user reviews.

1. Progressive Commercial

Progressive is one of the most popular and accessible commercial truck insurers in the country. They offer a wide range of coverage options for both new and experienced operators.

• Coverage: Primary liability, physical damage, cargo, non-trucking liability
• Special Features: Smart Haul program for ELD users, online quotes
• Best For: Owner-operators and small fleets

2. Nationwide

Nationwide is known for its broad range of business insurance products, including tailored plans for commercial trucks.

• Coverage: Fleet insurance, general liability, physical damage
• Special Features: Customizable policies, great for mixed-use fleets
• Best For: Medium-sized fleets and businesses with other commercial assets

3. The Hartford

The Hartford provides comprehensive truck insurance packages with a focus on customer satisfaction and long-term relationships.

• Coverage: Liability, trailer interchange, cargo
• Special Features: Risk management services and industry support
• Best For: Established trucking businesses with 5+ trucks

4. Sentry Insurance

Sentry specializes in insuring commercial transportation, including long-haul trucking and fleets.

• Coverage: Liability, physical damage, cargo, umbrella
• Special Features: Risk evaluation and fleet management support
• Best For: Fleets with 10+ trucks or specialized cargo

5. State Farm

While primarily known for personal auto insurance, State Farm also offers commercial vehicle insurance in certain states.

• Coverage: Liability, medical payments, uninsured motorist
• Special Features: Local agents and personalized service
• Best For: Independent truckers in rural or suburban areas

6. Berkshire Hathaway (biBERK)

biBERK, a part of Berkshire Hathaway, provides direct-to-consumer commercial insurance online. Their focus is on simplicity and affordability.

• Coverage: Liability, cargo, physical damage
• Special Features: Online quotes and policy management
• Best For: Tech-savvy owner-operators

7. OOIDA Risk Retention Group

OOIDA (Owner-Operator Independent Drivers Association) offers insurance designed specifically for truckers.

• Coverage: Liability, trailer interchange, occupational accident
• Special Features: Designed by truckers for truckers
• Best For: Owner-operators and leased drivers

8. CoverWallet (Aon)

CoverWallet is a digital insurance platform that helps trucking businesses find and manage coverage online.

• Coverage: Policies from multiple insurers via a single dashboard
• Special Features: Easy comparison, digital management
• Best For: Businesses seeking multiple quotes quickly

9. Northland Insurance

Northland is a trucking specialist offering flexible coverage and strong claims service.

• Coverage: Liability, physical damage, general liability, cargo
• Special Features: Flexible underwriting, risk control services
• Best For: Fleets with complex operations or specialty cargo

10. Great West Casualty Company

Great West is known for its dedicated support to the transportation industry and deep understanding of trucking operations.

• Coverage: Broad package policies with high limits
• Special Features: Safety-focused programs and 24/7 support
• Best For: Long-haul fleets and logistics companies

How to Choose the Right Truck Insurance Provider

When comparing truck insurance companies, consider the following:

• Does the company understand trucking-specific risks?
• Are they responsive to claims and support requests?
• Can they grow with your fleet?
• Are they licensed in your state and familiar with its requirements?

Conclusion

The best truck insurance company for you depends on your business model, location, fleet size, and budget. Always get multiple quotes, check for trucking expertise, and work with an agent or platform that can help you customize your policy. With the right provider, you can drive with confidence knowing your operation is protected.