Top truck insurance companies in the US

Finding the right coverage from the top truck insurance companies in the US is essential for protecting your business, your vehicles, and your livelihood. Whether you’re an owner-operator or managing a fleet, the right policy helps reduce risk, ensure compliance, and keep your trucks on the road—just as effective customer relationship strategies can foster long-term trust and loyalty. 

In this article, we’ll explore the leading providers that specialize in commercial trucking coverage—each known for reliability, value, and industry-specific expertise.

What to Look for in a Truck Insurance Company

When evaluating the top truck insurance companies in the US, it’s important to look beyond just price. The best providers offer a combination of comprehensive coverage options, responsive claims support, and industry-specific expertise. Strong customer service and financial stability also matter—especially when the unexpected happens. 

Look for insurers that understand trucking operations, offer flexible policy structures, and have a reputation for treating commercial clients fairly. Whether you’re hauling regionally or cross-country, the right insurer should feel like a long-term partner in your success.

Top Truck Insurance Companies in the US

The top truck insurance companies in the US stand out for their specialized policies, excellent customer service, and deep understanding of the transportation industry. These providers are trusted by independent drivers, small fleets, and major logistics firms alike. Whether you’re looking for customizable coverage, fast claims handling, or risk management support, the companies below have built a strong reputation for delivering value and protection on the road.

1. Progressive Commercial

Progressive Commercial consistently ranks among the top truck insurance companies in the US, serving thousands of trucking businesses with tailored coverage solutions. Its strength lies in its flexibility—offering customizable policies that cover everything from primary liability and physical damage to cargo insurance, trailer interchange, and non-trucking liability. Progressive is especially popular with owner-operators and small to mid-sized fleets thanks to its streamlined digital tools, which make it easy to get quotes, manage policies, and file claims online.

Another standout feature is its 24/7 customer and claims support, which ensures help is always available when incidents occur. Progressive also offers discounts for paying in full, bundling policies, and using electronic logging devices (ELDs), making it an attractive option for cost-conscious operators. With a strong financial backing and nationwide reach, Progressive delivers a mix of convenience, affordability, and industry-focused protection that few competitors can match.

2. Berkshire Hathaway GUARD

Backed by the financial strength and reputation of Berkshire Hathaway, GUARD Insurance stands out as a dependable choice among the top truck insurance companies in the US. It focuses on providing comprehensive, customizable coverage specifically designed for the transportation and trucking industry. From liability and physical damage to motor truck cargo and workers’ compensation, GUARD’s offerings can be tailored to meet the unique needs of both small carriers and larger fleets.

What sets Berkshire Hathaway GUARD apart is its commitment to risk management. The company offers resources and tools to help trucking businesses reduce accidents, stay compliant with federal regulations, and lower premiums over time. Policyholders benefit from direct access to experienced underwriters and claims professionals who understand the complexities of commercial trucking—reflecting a strong business-to-business (B2B) strategy rooted in expertise and support.

Additionally, GUARD’s strong AM Best financial rating provides peace of mind that claims will be handled quickly and reliably. Its network of independent agents helps ensure personalized service and guidance, making it a solid choice for carriers looking for long-term insurance solutions grounded in stability and trucking expertise.

3. Nationwide

Nationwide is a well-established insurer with a strong footprint in commercial vehicle coverage, making it a trusted name among the top truck insurance companies in the US. Known for its wide range of business insurance products, Nationwide offers flexible truck insurance solutions that appeal to both growing fleets and independent operators. Coverage includes standard options like liability and physical damage, as well as add-ons such as motor truck cargo, uninsured motorist, and trailer interchange.

One of Nationwide’s key advantages is its bundling capabilities—trucking companies can combine auto insurance with general liability, workers’ compensation, and other business protections under a single provider. This streamlines policy management and can lead to savings. The company also offers roadside assistance and loss control services, which add extra value for operators who prioritize uptime and efficiency.

With a network of experienced agents across all 50 states and a reputation for strong customer service, Nationwide is a solid option for businesses seeking dependable, scalable coverage with room to grow.

4. State Farm

As one of the most recognizable insurance brands in the country, State Farm also ranks among the top truck insurance companies in the US, particularly for regional and local carriers. Unlike many competitors that rely heavily on digital self-service, State Farm takes a more traditional, agent-based approach. This personalized model appeals to small businesses and owner-operators who prefer face-to-face service and ongoing policy support.

State Farm offers essential coverages like liability, physical damage, medical payments, and uninsured motorist protection. While it may not specialize exclusively in trucking, its presence in all 50 states ensures broad availability and strong local support. Many agents are well-versed in the needs of small commercial fleets and can provide tailored recommendations for coverage.

In addition to its core offerings, State Farm is known for financial stability, competitive rates, and responsive claims handling. For trucking businesses looking for a reliable, community-based insurer with a proven track record, State Farm remains a trusted partner.

5. The Hartford

The Hartford is a long-standing leader in commercial insurance, making it a strong contender among the top truck insurance companies in the US—especially for small to mid-sized trucking operations. With over 200 years of insurance experience, The Hartford offers a wide array of trucking-specific coverages, including auto liability, physical damage, motor truck cargo, general liability, and trailer interchange.

What sets The Hartford apart is its commitment to risk management and loss prevention. The company provides policyholders with access to safety training, fleet risk assessments, and expert claims handling—all designed to reduce downtime and long-term costs, aligning well with OSHA’s Safe + Sound safety management initiatives.

It’s particularly well-suited for logistics companies, regional carriers, and delivery services that need customizable policies with strong support infrastructure.

The Hartford also offers business continuity planning services and various policy bundles for businesses looking to protect both vehicles and broader operations. For trucking companies seeking a blend of comprehensive coverage and proactive risk management, The Hartford is a reliable and experienced choice.

6. Sentry Insurance

Sentry Insurance has built a strong reputation as one of the top truck insurance companies in the US, thanks to its deep roots in the transportation industry and long-standing commitment to serving commercial trucking businesses. With more than 100 years of experience and a dedicated focus on trucking, Sentry offers highly specialized policies that cover everything from primary liability and physical damage to motor truck cargo and non-trucking liability.

One of Sentry’s standout strengths is its hands-on approach to risk management. The company employs dedicated transportation safety professionals who work directly with clients to improve driver safety, reduce accident frequency, and maintain regulatory compliance. Their claims services are equally strong, with knowledgeable adjusters who understand the unique challenges of the trucking world.

Sentry also earns high marks for customer satisfaction and personalized service. Policies are typically sold through agents who specialize in trucking, providing expert guidance and support. For companies looking for a true partner in managing transportation risk—not just a policy provider—Sentry is a top-tier choice.

7. Great West Casualty Company

Great West Casualty Company is one of the few insurers in the country that exclusively serves the trucking industry—earning it a top spot among the top truck insurance companies in the US. Founded with a sole focus on transportation, Great West understands the unique risks truckers face and offers highly customized policies to match.

Coverage includes everything from auto liability and physical damage to cargo, general liability, and even umbrella policies. But Great West goes beyond insurance—it actively supports its clients with driver safety training, regulatory guidance, and loss prevention programs. Its long-haul expertise is particularly valued by over-the-road carriers, who rely on consistent, informed coverage across state lines.

Claims are handled in-house by professionals experienced in trucking, ensuring quick responses and minimal downtime. The company also partners closely with fleets to improve compliance and reduce costs over time. For motor carriers looking for a specialized provider that speaks their language, Great West Casualty is a trusted and strategic ally.

8. OOIDA Risk Retention Group

Formed by the Owner-Operator Independent Drivers Association, the OOIDA Risk Retention Group is designed specifically for independent truckers—earning its place among the most trusted top truck insurance companies in the US for owner-operators. Unlike traditional insurers, OOIDA operates on a member-based model, focusing entirely on the needs of small trucking businesses and solo drivers.

Its offerings include essential coverages like liability, physical damage, and motor truck cargo, as well as specialized options such as occupational accident and bobtail insurance. Because it’s owned by and for truckers, OOIDA keeps premiums competitive while offering a high level of industry advocacy and education. Members gain access to regulatory updates, compliance tools, and discounts on equipment and services.

What truly sets OOIDA apart is the community it fosters—drivers trust the group not just for protection, but for representation in national trucking policy and legislative matters. For independent drivers who want affordable insurance and a voice in the industry, OOIDA delivers both.

9. CoverWallet (by Aon)

CoverWallet, a digital insurance platform backed by Aon, is redefining how small businesses—especially newer or tech-savvy trucking operations—shop for coverage. As one of the most accessible top truck insurance companies in the US, CoverWallet stands out for its entirely online experience, enabling truckers to compare quotes from multiple providers, customize policies, and manage everything from certificates of insurance to renewals in one dashboard.

While CoverWallet itself isn’t an insurer, its platform simplifies the process of finding coverage from leading carriers. This makes it particularly attractive to startups, new owner-operators, and small fleets looking for fast, no-pressure access to competitive quotes. Coverage options span all the essentials: primary liability, physical damage, cargo insurance, general liability, and more.

A key advantage is the platform’s ability to streamline and demystify commercial truck insurance for those who don’t have time to sit down with an agent. For digital-first businesses that value speed, convenience, and choice, CoverWallet is a game-changing tool.

10. Northland Insurance (Travelers)

Northland Insurance, a subsidiary of Travelers, has been serving the trucking industry for over 70 years—cementing its reputation as one of the most experienced and respected names among the top truck insurance companies in the US. With a sharp focus on commercial transportation, Northland offers a full suite of trucking-specific coverages, including auto liability, physical damage, motor truck cargo, general liability, and more.

What sets Northland apart is its proactive approach to risk control. Policyholders have access to seasoned risk management consultants who provide resources and training to help fleets reduce accidents, improve safety practices, and lower long-term costs. Their claims professionals also specialize in transportation, which means quicker resolutions and a smoother process during critical moments.

As part of the larger Travelers network, Northland combines personalized service with the financial stability and backing of one of the country’s largest insurers. For fleets that value deep trucking expertise and robust risk support, Northland delivers trusted protection and long-term partnership.

Conclusion

Choosing the right provider from among the top truck insurance companies in the US isn’t just about checking boxes—it’s about finding a long-term partner that understands the unique demands of the road. Whether you’re an independent owner-operator or managing a growing fleet, the right insurer can offer the peace of mind and protection your business needs to thrive.

Each company featured here brings something valuable to the table—be it digital convenience, personalized service, or deep industry expertise. Before making a decision, take time to assess your specific needs, compare quotes, and don’t hesitate to speak with a specialist or consult a trusted trucking resource for guidance.

Get quotes, ask questions, and find the coverage that keeps your wheels—and your business—moving forward, just as smart businesses conduct customer discovery before launching a solution.