Best Commercial Truck Insurance Companies

How We Picked

Every rating on this page was pulled from AM Best or the carrier’s own published materials in September 2026, with the affirmation date recorded. Where a carrier doesn’t publish something — new-authority appetite, state footprint — we say “not published” rather than guessing.

We flag downgrades, rebrands and acquisitions because they matter to someone choosing who to insure with. We don’t rank on advertising spend, and where a carrier is strong for one operation and wrong for another, we say so.

Our Top 10 Commercial Truck Insurance Carriers, Ranked

1. Great West Casualty — Best For Established Fleets

Trucking-only since 1956, now operating as Great West, an Old Republic Company. They insure 60,000+ trucking companies with adjusters who understand cargo, downtime and DOT compliance rather than treating a tractor-trailer like a large car. A+ (Superior), affirmed April 2026.

Available in 46 states through more than 200 independent agencies that specialize in truck insurance. They don’t sell direct.

Consider them if: you’ve been operating two or more years with clean CSA scores. Look elsewhere if: you’re brand new — they don’t publish their appetite, and a trucking-only monoline of this vintage is typically selective.

Read our full Great West Casualty review →

2. Progressive Commercial — Best For Speed And Availability

The largest truck insurer in the country by written premium, in all 50 states, and the only major carrier here that lets you buy online, by phone, or through an agent — Progressive notes prices vary by which route you take. Truck policies are written by Artisan and Truckers Casualty Company, A+ (Superior), affirmed May 2026.

An online quote takes about eight minutes, and they handle state and federal filings.

Consider them if: you need coverage quickly and your operation is straightforward. Look elsewhere if: you have complex filings or specialty cargo — a trucking monoline will usually structure it better.

Read Our Full Progressive Review →

3. Canal Insurance — Best For Specialty And Hard-To-Place

Greenville, SC monoline since 1939, split into Express (1–10 power units) and Fleet (11+). Canal built its name writing the risks other carriers decline, and its coverage list reflects that: mechanical breakdown, reefer breakdown, non-owned trailer physical damage, same-day MCS-90 filings.

A− (Excellent), affirmed September 2025. Worth noting Canal was downgraded and later restored to A− in 2021, so this is a rating with some history — re-check it before you buy.

Consider them if: you haul something unusual, or you’ve been declined elsewhere. Look elsewhere if: you’re a clean conventional dry van operation — you’ll likely beat their price in the standard market.

Read Our Full Canal Insurance Review →

4. NITIC — Best For Brand-New Authority

National Independent Truckers Insurance Company is a risk retention group licensed in 48 states, and the only insurer on this page that states plainly it will quote a new venture with no prior insurance. They sell direct through in-house agents who only write trucking.

Two things to weigh. Their AM Best rating is B++ (Good) — solid but below the A-range carriers here — and the most recent public rating action dates to 2021, which is unusually stale. Second, as a risk retention group, NITIC isn’t backed by state insurance guaranty funds the way an admitted carrier is.

Consider them if: you have new authority and need someone who’ll actually quote you. Look elsewhere if: a shipper or lessor requires an A-rated carrier.

Read Our Full NITIC Review →

5. National Indemnity — Best Financial Strength

Berkshire Hathaway’s flagship, A++ (Superior), affirmed April 2026 — the highest rating AM Best issues. They explicitly write “hard-to-place risks that other insurance carriers do not,” including hazmat haulers, tankers, dump trucks and tow trucks.

NICO itself writes in 43 states plus DC (not HI, MA, NJ or NY), though affiliate companies extend the reach. Agents only, through contracted wholesale brokers.

Consider them if: you need maximum financial strength, or you haul something most carriers won’t touch. Look elsewhere if: you want to buy direct.

Read Our Full National Indemnity Review →

6. biBERK — Best For Buying Direct

Berkshire Hathaway’s direct-to-business storefront. Quote, choose coverage and pay online in about five minutes, no agent involved. Commercial auto liability and physical damage, with cargo liability, on-hook towing and trailer interchange as add-ons for for-hire operators.

One precision point: biBERK is a brand, and its disclosures name four possible underwriting companies. Berkshire Hathaway Direct Insurance Company is A++ (Superior), but biBERK doesn’t publish which entity issues truck policies — so treat the A++ as Berkshire’s group strength rather than a confirmed rating on your specific policy.

Consider them if: you’re a small operation who wants it handled today, yourself. Look elsewhere if: your situation has any complexity — nobody is shopping the market for you.

Read Our Full biBERK Review →

7. 1st Guard — Best Direct Option For Owner-Operators

A genuine direct writer: “no agents are able to provide a 1st Guard quote.” No agent commission in the price. A (Excellent), affirmed April 2026 — the strongest rating among the small-operator direct writers here.

Their published strength is the supporting coverages rather than primary liability: physical damage, non-trucking liability, occupational accident, workers’ comp, extended towing to 2,000 miles, downtime, loan gap, no-deductible glass.

Consider them if: you’re an owner-operator, especially leased on, who wants to buy direct. Look elsewhere if: you need a full primary liability programme with filings — that’s less clearly documented.

Read Our Full 1st Guard Review →

8. OOIDA — Best For Owner-Operators Who Want More Than A Policy

The Owner-Operator Independent Drivers Association’s program, sold through its own subsidiary with liability written by OOIDA Risk Retention Group. Binding decisions are made in-house rather than passed to a carrier.

No AM Best rating was found for the risk retention group. OOIDA’s own materials note that RRG policies may not be subject to all of a state’s insurance laws and aren’t covered by state guaranty funds. For many members the association’s regulatory and business support outweighs that; it’s your call, but you should make it knowingly.

Consider them if: you’re an owner-operator who values what comes alongside the policy. Look elsewhere if: you need an AM Best rated carrier, or you’re running a fleet.

Read Our Full OOIDA Review →

9. XINSURANCE — Best For Declined And Hard-To-Place Risk

Not a carrier — an E&S brokerage (a dba of Evolution Insurance Brokers) licensed in all 50 states plus the USVI. It earns its place by being explicit about what it takes: operating authority less than two years old, at-fault losses, FMCSA alert scores, prior declinations. Limits to $10M.

No carrier rating to report, because no underwriting carrier is named publicly. That’s normal for E&S and worth understanding before you bind.

Consider them if: you’ve been declined, or you’re a new venture nobody else will quote. Look elsewhere if: you’re a standard risk — E&S pricing reflects the market it serves.

Read Our Full XINSURANCE Review →

10. Cover Whale — Best For Telematics-Based Pricing

An insurtech platform distributing through appointed brokers, with capacity from partner carriers including Ascot, Canopius, Everspan, SCOR, Trisura and Munich Re. Auto liability requires a dashcam, and that’s the model: your driving data shapes your price.

Published eligibility is unusually clear — 2 years experience required for new ventures, 1–25 units for auto liability, 1–75 for other lines. Auto liability is non-admitted in 34 states and admitted in 7.

Consider them if: you run safe and want that reflected in your premium. Look elsewhere if: you won’t run dashcams, or you’re a genuine new venture.

Read Our Full Cover Whale Review →

⚠️ A Note On Prime Insurance

Prime is a long-standing E&S market for declined trucking risk, and it lists New Operators Coverage among its products. But AM Best has downgraded Prime Insurance Company twice in 2026 — from A to A− in January, then to B (Fair) with ratings under review, negative implications on August 31 — following $111M (2024), $29M (2025) and $78M (first half 2026) of adverse reserve development.

A B (Fair) rating still means claims-paying ability, but it’s a material change from where Prime sat a year ago, and many shippers and lessors set minimum rating requirements above it. If you’re quoted on Prime paper, check the current rating yourself before binding.