Top Trucking Insurance Companies (2026)

Our appointment currently rates in 20 states: AZ, CO, FL, GA, IL, IN, MD, MS, NV, NJ, NC, OH, OK, PA, SC, TN, TX, UT, WA, and WI.

The business name on the application has to match your USDOT registration exactly, and a driver license number is required for every driver before the rater will price. Have both ready and the quote takes one sitting.

Widest appetite does not mean lowest price. On a New Jersey new-authority reefer tractor we quoted this year, Progressive came back at roughly $89,000 while another direct market priced the same truck near $37,000. That gap is why we never stop at one quote.

The class rule and the state rule are separate. A box truck in a state that is not on GEICO's restricted list still gets declined, because the box truck bar applies everywhere. We caught this on an Arkansas box truck before spending the submission.

If you are already insured with GEICO, the agent rater returns "Not Eligible" on your USDOT number. Your GEICO number is your renewal offer; a broker cannot re-quote it as new business. We shop the other markets against that renewal instead.

A driver license number is not needed for a GEICO indication, only at bind.

BHHC is portal-only for new business. Their marketing team told us in writing that underwriting will not look at a risk until it is in the online rater, so an emailed submission goes nowhere. Non-fleet underwriting turnaround after a submit is two to three business days.

The New York rule catches people off guard: it is a driver-license bar, not just a garaging bar. Their underwriter told us in writing they are not a market for New York drivers, including on New Jersey accounts.

A portal that lets you pick a class is not proof the carrier writes it. BHHC's rater accepted a household goods mover all the way to submission before a human underwriter declined the class. Only the underwriter's answer counts, which is why we record every one.

Canal's driver rules are specific: all drivers 23 or older for unlimited radius (20 or older for local and intermediate), two years of over-the-road experience, and no more than 3 MVR points or 2 non-major violations in 36 months. Units 20 years or older get extra underwriting review.

Canal's new venture programs require auto liability to be quoted — no monoline physical damage or cargo — and the owner must be a driver with two or more years of Class A CDL experience. Nirvana requires an ELD or telematics and writes in GA, IA, IL, IN, MI, MO, NC, OH, PA, SC, TN, TX, and WI, with motor truck cargo up to $250,000.

RockLake's system runs its own MVRs when coverage is requested. An undisclosed violation reprices or declines the quote at the worst possible moment, so we enter every violation and every prior cancellation up front. Incorrect loss history is the most common reason a bind here gets delayed.

The federal $5,000 cargo minimum cannot be rated on the cargo site at all; its floor is $25,000 per vehicle. Auto haulers must be 100% auto hauling or the system returns no rate.

We used to send new authorities here. In August 2026 the underwriters told us in writing that every risk needs an absolute minimum of two full years operating under its own authority, and closed the file on a one-truck new venture the day after we submitted it. We corrected our routing the same day.

An Ohio decline taught us to ask the scoping question. The first answer sounded like "no Ohio"; the follow-up established that only the liability programs are barred there, and the monoline physical damage and cargo programs do reach Ohio. The real reason for that decline was the class — hotshot — not the state.

Quantum is a full-application market: safety narratives, vehicle and driver schedules, loss history by year, IFTA reports, loss runs, and MVRs. It is slower than a rater, so we start it early on a seasoned account.

Availability is per state and per line, so we check your garaging state before we spend the submission. At our last checks Texas, Georgia, Illinois, Florida, and Kentucky were open for liability, cargo, and physical damage; Ohio was liability only; Pennsylvania was liability and physical damage.

Loss runs must be valued within 30 days. We had a 32-day-old loss run rejected, so we time the request to your quote date. County Hall also wants one MVR per driver and one loss file per policy year.

The brokerage rule is the one nobody expects. A clean carrier was declined because a sister company with the same owner and address held an active property broker authority. If you own a brokerage, tell us first — we will route around it rather than waste your time.