Cover Whale
Tech-driven commercial auto insurer for trucking, sold through insurance brokers.
Commercial Truck Insurance for owner-operators & small fleets
New authorities and small fleets often find insurance their largest fixed cost. Prices are always quote-based and depend on your driving record, years of authority, radius, cargo and equipment. Getting several quotes through an agent who works with multiple markets is common.
10 insurance providers at a glance
| Name | Starting price (published) | Best for |
|---|---|---|
| Cover Whale | Quote-based | Small fleets |
| Great West Casualty | Quote-based | Owner-operators & small fleets |
| Logrock | Quote-based | Owner-operators & small fleets |
| Lucky Truck (Buckner) | Quote-based | Owner-operators & small fleets |
| National Interstate | Quote-based | Small fleets |
| Nirvana Insurance | Quote-based | Small fleets |
| Northland Insurance | Quote-based | Owner-operators & small fleets |
| Progressive Commercial | Quote-based | Owner-operators & small fleets |
| Reliance Partners | Quote-based | Owner-operators & small fleets |
| Trucker Path Insurance | Quote-based | Owner-operators & small fleets |
Listed in no particular ranking order. Prices were checked on vendor sites on October 30, 2026 and can change at any time. “Contact for pricing” means the vendor does not show a price publicly and quotes on request.
What to check before you choose
- Confirm the liability and cargo limits your brokers and shippers require. $1M auto liability and $100K cargo are common asks.
- Compare deductibles, exclusions (for example reefer breakdown or unattended cargo), and how fast certificates are issued.
- Check the insurer’s financial strength rating and claims reputation, not just the premium.
- Ask whether ELD or dashcam data can earn a discount.
- Make sure the filings your authority needs (for example BMC-91X) will be made on time.
All insurance providers
Great West Casualty
Trucking-only insurer (Old Republic company) covering liability, cargo, physical damage and owner-operators.
Logrock
Trucker-focused insurance and compliance help.
Lucky Truck (Buckner)
Online truck insurance program for owner-operators and small fleets, now part of The Buckner Company.
National Interstate
Transportation insurer offering traditional and group captive programs.
Nirvana Insurance
Trucking insurer that prices with telematics data and offers safety-based discounts; sold via agents.
Northland Insurance
Commercial truck insurance for owner-operators and fleets.
Progressive Commercial
Large commercial truck insurer quoting owner-operators under own authority or leased on.
Reliance Partners
Insurance agency specializing in trucking and transportation coverage.
Trucker Path Insurance
Trucking insurance agency from Trucker Path for owner-operators, small fleets and new authorities.
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