Why Trucking Insurance Rates Are Rising in 2025
(and How to Lower Yours)

If your trucking insurance renewal came with a surprise increase this year, you’re not alone. Across the U.S., both small fleets and owner-operators are feeling the pressure of higher insurance premiums—even with clean records.

At Road Ready Insurance, we specialize in trucking coverage and work with over 120 insurance companies to help clients get the best rates. Let’s break down what’s happening in 2025—and how you can take control of your costs.

1. Why Are Trucking Insurance Costs Increasing?

Several factors are pushing premiums up industry-wide:

• Higher repair and replacement costs Truck and trailer parts are more expensive and harder to source. Even minor accidents now result in larger claims.
• Increased accident severity and nuclear verdicts Legal settlements exceeding $1 million (“nuclear verdicts”) have made insurers more cautious, especially in states like Florida and California.
• Driver shortages and experience gaps Many fleets are hiring newer drivers, increasing perceived risk for insurers.
• Rising medical and liability expenses Healthcare inflation and cargo liability claims continue to grow every year.

2. What Coverage Does Every Trucking Business Need in

2025?

While every operation is unique, most trucking businesses need at least:

• Primary liability insurance (required by FMCSA, minimum $750,000)
• Physical damage coverage for your truck and trailer
• Cargo coverage (for the loads you haul)
• Non-trucking or bobtail coverage for owner-operators
• General liability for premises and operations
• Workers’ compensation if you employ drivers or staff

At Road Ready, we tailor each policy to your operation type—whether you’re long haul, regional, or local.

3. How to Lower Your Trucking Insurance Premium

Even with market increases, there are several proven ways to lower your rate:

• ✅ 1. Compare quotes annually We work with 120+ national and regional carriers, ensuring you get the most competitive renewal offers every time.
• ✅ 2. Maintain clean driver records Safety performance is one of the biggest pricing factors. Use telematics or dash cams to help track and improve behavior.
• ✅ 3. Bundle policies Combining your truck, trailer, and cargo coverage under one policy often reduces administrative fees and overall costs.
• ✅ 4. Optimize deductibles Increasing your deductible slightly can lower premiums without sacrificing protection—just make sure it fits your budget.
• ✅ 5. Work with a specialist broker General agents don’t understand trucking’s complexities. At Road Ready, we only insure transportation businesses, so you get coverage that truly fits your risk profile.

4. What to Do if Your Renewal Premium Increased

Don’t accept it blindly. Before paying your renewal, request a policy review. Our agents can often find overlapping coverages, unused endorsements, or better carrier options to save you thousands per year.

The Bottom Line

Trucking insurance rates may be rising, but with the right partner, you can still control your costs and strengthen your protection. At Road Ready Insurance, we’ll help you compare quotes, identify savings, and ensure your policy truly protects your business.

Contact us today to review your current policy and discover better coverage options.