Owner operator rates swing widely by carrier and how you run — under your own authority or leased onto a carrier. We compare competitive markets to find the right coverage at the right price.
For single-truck owner operators running under their own authority or leased onto a carrier.
Trusted by owner operators and fleets across the lower 48.
Get My Free Review →Submit the basics below. A trucking insurance specialist follows up — no obligation to switch.
Cost To Compare Your Rate
Trucks Per Operation
Operation Types Served
States Across The Lower 48
We review your trucking program for pricing, coverage limits, filings, and competitive market options before you auto-renew another term at the wrong rate.
Review your required bodily injury and property damage limits against your lanes, cargo, and contracts.
Check coverage on your tractor, trailer, and equipment for collision, theft, fire, and vandalism — and whether your stated values are right.
Confirm cargo limits and exclusions actually match the freight and commodities you haul.
Review business liability exposures away from normal truck operation that carriers often leave thin.
Check coverage that applies when the truck is used outside dispatch — a common gap for leased-on drivers.
Review MCS-90, state filings, and federal requirements so renewals don't stall your authority.
A hotshot operator, reefer carrier, flatbed hauler, and 12-truck fleet all get underwritten differently. We point you toward the markets that fit.
You send the basics. We do the legwork and point you toward the right coverage and pricing.
Enter your contact info, operation type, number of trucks, DOT number, renewal date, and what you haul. Takes a couple minutes.
A trucking insurance specialist reviews your operation, radius, cargo, equipment, filings, and timing against competitive markets.
You get matched with available markets and quote options based on carrier appetite — so you can see if you're overpaying.
Typically primary liability, physical damage, and motor truck cargo — plus non-trucking/bobtail if you're leased on. We review your exact setup.
Yes. Leased-on drivers often carry non-trucking liability and rely on the carrier's primary; own-authority operators need full primary liability and filings. We tailor the review to how you run.
It covers the truck when used outside dispatch or business use — important for leased-on owner operators.
Yes, though new ventures are underwritten differently. Experience, equipment, radius, and filings affect available options.
See if you're overpaying before your renewal locks you into another year. One quick request and a specialist follows up.
Get My Free Review →