You run your own rig, haul your own loads, and answer to yourself. Your insurance should work just as hard. Compare quotes from top carriers in minutes — specialized for owner-operators with 1–2 trucks.
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Every coverage type you need to stay legal, stay protected, and stay on the road.
Required by the FMCSA for all interstate truckers. Covers bodily injury and property damage to others when you're at fault.
Protects the freight you're hauling. Required by most brokers and shippers before they'll dispatch you a load.
Protects your biggest investment — your truck and trailer — from collision, fire, theft, and weather events.
Also called "bobtail insurance." Covers you when you're driving your truck for personal use, off dispatch.
When you're an independent contractor, workers' comp doesn't apply. Occ-acc fills that gap if you're hurt on the job.
Covers physical damage to a non-owned trailer while it's in your care under a trailer interchange agreement.
Whether you're brand new to trucking or a road veteran, our agents specialize in placing owner-operators with the right carrier.
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Get Quote + Enter to Win →You haul under another company's authority. You'll need non-trucking liability, physical damage, and possibly occ-acc coverage.
You have your own MC number. You need full primary liability, cargo, and physical damage coverage to operate legally.
Just got your authority? We specialize in placing new truckers who often struggle to find coverage with standard carriers.
Non-standard markets available. Our agents can shop carriers who specialize in higher-risk trucking risks.
Owner-operator insurance costs vary widely. Here's what carriers look at when pricing your policy.
Local, regional, and long-haul operations carry different risk profiles. Longer hauls = broader exposure.
Newer, higher-value trucks cost more to insure for physical damage but may qualify for better rates on liability.
Your Motor Vehicle Record is one of the first things a carrier pulls. Clean records earn the best rates.
Hazmat, high-value, or perishable cargo significantly increases premiums compared to general dry freight.
Carriers reward experience. New authorities typically pay more until they build a clean claims history.
Higher liability limits and lower deductibles increase premiums. Our agents help you find the right balance.
Prior claims are reviewed for the last 3–5 years. A clean history can unlock preferred carrier pricing.
Some states have higher minimum requirements and tort environments that impact your overall premium.
Our agents shop multiple A-rated carriers simultaneously — so you get competitive quotes fast.
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