If you’re an owner-operator or manage a fleet, you’ve likely noticed that truck insurance costs in 2025 aren’t what they were last year. Whether your premiums went up or down, there are a few key reasons behind the change—and knowing them can help you stay ahead.
1. Driver History
Clean driving records lead to lower rates. Violations, accidents, or CDL suspensions? Expect higher premiums.
2. Vehicle Type & Age
Newer trucks with safety features may qualify for discounts. Older equipment? Repairs are pricier—so insurance costs more.
3. Freight Type & Route
High-risk cargo (hazmat, perishables) or long-haul routes across certain states usually mean higher rates due to greater exposure.
4. Claims History
Multiple claims in recent years? Insurers see that as risk. Fewer claims = better rates.
5. Location & State Regulations
Where you’re based matters. Some states have stricter insurance laws or higher average claim costs.
You can’t control everything, but keeping your equipment in good condition and your record clean goes a long way. And if you’re not comparing quotes regularly, you might be overpaying.
At Logrock, we help truckers like you find the best commercial truck coverage—tailored to your routes, freight, and budget.
✅ Need a fast, competitive quote? Get in touch today.
Written by Daniel Summers
My goal is simple: Help people start trucking companies, and keep them rolling. With my experience in transportation, I quickly decided to specialize in trucking insurance. It’s much more my speed and comfort zone: demanding, hectic, stressful…all the necessary ingredients to maintain my interests.
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