This guide cuts through the confusion around commercial trucking insurance for 2025. Understand exactly what coverage you need, from auto liability to cargo protection, and get a clear picture of average costs for owner-operators and small fleets based on the latest industry data. Learn how factors like your driving record and cargo type impact premiums, and discover why this essential coverage protects your truck, your livelihood, and your peace of mind on the road. We break down FMCSA requirements and highlight how smart platforms can simplify getting quotes, helping you safeguard your business against accidents, theft, and financial risks without the guesswork.