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Top Trucking Insurance Companies

By Sheena Abris

Top Trucking Insurance Companies: Exhaustive Guide & Why Pacific Insurance, Inc. Is Your Best Choice

Searching for “Top Trucking Insurance Companies” is a crucial step for owner-operators, fleet managers, and anyone responsible for logistics or freight. The trucking industry faces constant risk—from accidents and cargo theft to regulatory penalties and severe weather. Choosing the right trucking insurance provider safeguards your business, your drivers, and your cargo, ensuring smoother operations and long-term success.

This comprehensive article covers:

  • Top trucking insurance companies and their specialties

  • Essential coverage types and benefits

  • Key features to look for in a trucking insurance partner

  • Why Pacific Insurance, Inc. stands out as the premium choice for trucking insurance clients nationwide

Leading Trucking Insurance Companies in 2025

A variety of insurers serve the unique needs of the trucking sector. Based on national rankings and industry analysis, the following companies consistently receive recognition for their tailored solutions, customer satisfaction, and robust coverage:

1. Progressive Trucking Insurance

  • Strength: Highly customizable policies, national reach, A+ financial strength ratings

  • Specialty: For-hire transport, specialized fleets, owner-operators

  • Perks: Multiple discounts, reliable claims support, online resources

2. Marquee Insurance Group (MIG)

  • Strength: Exclusive discounts, technology-driven management, priority status with A+ rated carriers

  • Specialty: Liability and cargo protection, streamlined insurance certificates

  • Perks: Transport risk specialists, instant quotes, on-demand digital policy access

3. Great West Casualty Company

  • Strength: Flexible premium payments, risk-control services like safety training

  • Specialty: Medium-to-large fleets, custom deductible options

  • Perks: High satisfaction rates, down payment and installment plans

4. Cottingham & Butler

  • Strength: Integrated insurance, risk management, and claims administration

  • Specialty: Traditional and non-traditional coverage, adaptable policies

  • Perks: Dedicated team, transparent service, flexible for companies at every growth stage

5. 1st Guard

  • Strength: Low complaint rates, tech-savvy approach

  • Specialty: Truck/trailer combos up to $300,000, towing coverage

  • Perks: Mobile policy management, discounts for going paperless

6. RLI Insurance

  • Strength: Value-added safety and compliance services (DOT reviews, telematics strategies)

  • Specialty: Fleet discounts, workers’ compensation

  • Perks: Camera integration incentives, driver training resources

7. Reliance Partners

  • Strength: Personalized strategies, API-driven coverage solutions

  • Specialty: Risk management and safety seminars, claims management

8. HUB International & USI Insurance Services

  • Strength: Industry expertise, cost-effective solutions

  • Specialty: Liability, cargo, physical damage, and occupational accident coverage

Key Coverage Types and Benefits

Trucking insurance can be complex. Comprehensive polices combine required and optional protections designed for the risks faced by trucking operations:

  • Primary Liability: Mandatory by law for every truck. Protects against damage or injury caused during business operations.

  • Physical Damage: Protects trucks against collision, theft, fire, vandalism, and more.

  • Motor Truck Cargo: Covers loss or damage to the goods being hauled.

  • General Liability: Covers property damage or injury during non-driving activities.

  • Occupational Accident/Workers’ Comp: Visibility for owner-operators who may opt out of state-mandated workers compensation. Occupational accident coverage is a more affordable alternative, but delivers similar benefits.

  • Non-Trucking (Bobtail) Liability: Protects trucks not actively carrying freight.

  • Trailer Interchange & Leased Equipment: Covers damage to non-owned trailers or leased assets.

Benefits of Reliable Trucking Insurance:

  • Shields business from costly claims and lawsuits

  • Delivers peace of mind for drivers and owners

  • Facilitates regulatory compliance (FMCSA, DOT, state requirements)

  • Minimizes operational downtime after an accident

  • Enables new opportunities for contracts and growth

  • Often provides access to safety programs, training, and regulatory support

What to Look for in a Trucking Insurance Provider

Choosing a trucking insurer requires more than low premiums. Consider these key criteria to ensure you’re partnering with a top-tier provider:

  • Industry Experience: Deep trucking sector expertise, not just generic commercial auto

  • Customization: Ability to tailor coverage for fleets, owner-operators, and specialty needs

  • Claims Handling: Fast, fair, and transparent claims support is crucial

  • Regulatory Assistance: Help with permits, filings, and compliance

  • Flexible Payment: Down payments, payment plans, and variable premium structures

  • Policy Management Tools: Online and mobile access, streamlined certificates

  • Dedicated Agents: Knowledgeable support and guidance through policy lifecycle

Why Call Pacific Insurance, Inc. for Your Trucking Insurance Needs

While many companies offer trucking insurance, Pacific Insurance, Inc. stands apart with superior service, deep industry focus, and solutions designed for today’s complex logistics world:

1. Trucking & Fleet Specialists Nationwide

Pacific Insurance, Inc. isn’t just a commercial auto insurer—they specialize in trucking insurance in all 50 states. From single owner-operators to large fleets, their team understands the intricacies of trucking risks and delivers the right coverage for every scenario.

2. Custom Policies for Every Need

Pacific Insurance works directly with each client:

  • Owner-operators, leased drivers, fleet managers

  • Tractor-trailers, box trucks, dump trucks, tow trucks, and more

  • Flexible coverage from basic liability to broad cargo and equipment protection

Their agents craft policies that protect your business against significant losses—beyond the bare minimum required by law.

3. Comprehensive Coverage Options

All essential coverage types are available:

  • Primary liability

  • Physical damage

  • Cargo insurance

  • General liability

  • Occupational accident

  • Non-trucking liability

You get comprehensive protection, not piecemeal solutions.

4. Regulatory and Permit Expertise

Pacific Insurance, Inc. offers in-house permit specialists who help new clients navigate startup hurdles, including:

  • MC, DOT, and state registrations

  • LLC and corporate formation

  • IFTA, NM, and IRP filings

This regulatory assistance prevents costly compliance issues and keeps you on the road.

5. Technology & Convenience

With online tools, mobile access, and streamlined paperwork, Pacific Insurance, Inc. makes policy management easy. Immediate certificates, digital claims, and friendly staff help minimize downtime after incidents.

6. Exceptional Customer Service

Client-first philosophy means agents are always available to answer questions, resolve problems, and tweak your coverage as your business evolves. Pacific’s team boasts decades of industry experience and a reputation for personalized care.

7. Financial Strength & Claims Reliability

You can’t afford an insurer that stalls claims or vanishes during tough times. Pacific Insurance, Inc. maintains excellent ratings, robust financial backing, and a proven track record supporting truckers through the unexpected.

8. Client Testimonials and Trusted Reputation

Truckers and fleet owners nationwide praise Pacific Insurance, Inc. for helping them save money, respond quickly in a crisis, and prevent compliance headaches. Repeat customers reference hassle-free renewals, transparent pricing, and proactive risk management.

Frequently Asked Questions

How much does commercial trucking insurance cost?
Costs vary widely, depending on vehicle type, coverage amounts, driving history, and fleet size. Working with Pacific Insurance, Inc. ensures competitive rates tailored to your actual risk profile—not generic averages.

Can I get coverage for specialty vehicles or leased units?
Yes. Pacific Insurance agents build custom solutions for specialty rigs, leased trucks, and add-ons such as hazardous materials, refrigeration, or oversized loads.

Will Pacific Insurance, Inc. help with regulatory filings?
Absolutely. Their permit specialists and regulatory team guide you through state and federal filings, including MC, DOT, and IFTA paperwork.

Final Call: Why Choose Pacific Insurance, Inc. Today

When your trucks, cargo, and business reputation are on the line, “good enough” isn’t enough. Partner with a specialist who treats your operation like their own—delivering world-class protection, exceptional service, and the peace of mind owners need to run a safe, profitable trucking business.

Pacific Insurance, Inc. is more than a provider; they’re your trusted ally for truck insurance, regulatory expertise, and operational security.

Ready to protect your fleet and business with the best in trucking insurance? Call Pacific Insurance, Inc. at (801) 561-5550 for a custom quote and get your trucks covered—without stress, delays, or generic policies.

Invest in your future. Choose a trucking insurance company that understands your business. Choose Pacific Insurance, Inc.—and drive with confidence, coverage, and clarity.

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