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  • What Is Commercial Trucking Insurance? 2025 Guide to Truck Insurance Coverage

    Whether you’re hauling freight across state lines or making local deliveries, commercial trucking insurance is a must. But what exactly does it cover, and how much does it cost in 2025?

    In this FAQ-style guide, we break it all down—using recent data, clear definitions, and insights truckers can trust.

    What Is Commercial Trucking Insurance?

    Commercial trucking insurance is a policy designed to protect trucks, drivers, cargo, and businesses from financial losses due to accidents, theft, breakdowns, and liability claims. Unlike personal auto insurance, this coverage is built for heavy-duty commercial vehicles and the unique risks of the trucking industry.

    What Does It Cover?

    Typical commercial trucking insurance includes several types of coverage. Here’s a quick breakdown:

    Type of CoverageWhat It Covers
    Auto LiabilityBodily injury or property damage to others caused by your truck
    Physical DamageRepairs to your own truck due to collision, fire, theft, or vandalism
    Motor Truck CargoLoss or damage to the cargo you’re hauling
    General LiabilityCoverage for business-related risks outside of operating the truck
    Bobtail/Non-Trucking UseCoverage when the truck is used without a trailer or not under dispatch
    Trailer InterchangeDamage to non-owned trailers under interchange agreements

    (Source: National Association of Insurance Commissioners)

    What’s the Average Cost of Trucking Insurance in 2025?

    According to 2024 industry data from the American Transportation Research Institute, average annual premiums vary by operation type and location:

    Type of OperationAverage Annual Premium (2024)
    Owner-Operator (Lease On)$4,500 – $7,000
    Owner-Operator (Authority)$9,000 – $16,000+
    Small Fleet (3–10 trucks)$12,000 – $25,000 per truck
    New Authority (First Year)$15,000 – $30,000+ per truck

    (Source: ATRI Operational Costs Report, 2024)

    Key Factors That Affect Cost:

    • Driving record
    • Truck value and type
    • USDOT safety history
    • Operating radius
    • Cargo type
    • Location and garaging ZIP code

    Who Needs Commercial Truck Insurance?

    If you operate any of the following, you’re likely required by law to carry commercial trucking insurance:

    • Owner-operators with their own authority
    • For-hire carriers
    • Freight brokers who own assets
    • Private fleets or logistics companies
    • Hotshot and box truck drivers

    FMCSA regulations mandate a minimum liability coverage of $750,000 to $5 million, depending on cargo type. Most brokers require at least $1 million in coverage to work with you (FMCSA, 2025).

    Can I Get Commercial Truck Insurance Online?

    Yes—and that’s where platforms like Logrock come in.

    We make it easy to get multiple trucking insurance quotes with just one application, using smart tools like:

    • FMCSA lookup to auto-fill your DOT info
    • VIN decoder for faster truck details
    • Google Maps address autofill

    It’s trucking insurance, built for the road. Be sure to check out our other blogs for a deeper look at what makes our mobile-friendly quote form stand out—and get valuable insights on insurance for new authorities, renewals, and more.

    –Built for the Road: Why Our Mobile-First Quote Form Matters

    –Why Do You Need Commercial Trucking Insurance?

    –Affordable Trucking Insurance: How to Save Big on Coverage

    –How To Prepare for the FMCSA Authority Application

    Final Take: Why Commercial Truck Insurance Matters

    Trucking is the backbone of the U.S. economy—but it comes with serious risk. One accident, cargo loss, or claim could put your entire operation at risk. Commercial trucking insurance protects you, your business, and your future on the road.

    Ready to start saving? Get A Quote in Minutes!

    Sources:

    1. National Association of Insurance Commissioners (2024). Commercial Auto Insurance Overview. Retrieved from naic.org
    2. American Transportation Research Institute (2024). Operational Costs of Trucking. Retrieved from truckingresearch.org
    3. Federal Motor Carrier Safety Administration (2025). Minimum Insurance Requirements. Retrieved from fmcsa.dot.gov

  • Sleeper Cab Life: Hacks for Making the Road Feel Like Home

    When you’re living life on the road, your sleeper cab becomes more than a place to crash—it’s your mobile bedroom, kitchen, closet, and sometimes even your therapist’s office. And while space is tight, a few smart hacks can turn your truck into a cozy, functional home away from home.
    Whether you’re an owner-operator customizing your rig or a company driver just trying to get more comfortable between loads, here are some driver-approved sleeper cab tips to make the road feel a little more like home.
    🛏️ 1. Upgrade Your Mattress (Seriously)
    The factory mattress is fine—for a night or two. But if you’re living in your rig for weeks at a time, do yourself a favor and invest in a memory foam or gel topper. Your back—and your mood—will thank you.
    💡 2. LED Strip Lights = Instant Vibe
    Stick-on LED light strips are cheap, easy to install, and make your space feel way more inviting at night. Go for warm tones for a relaxing feel, or color-change settings if you want something fun.
    📦 3. Use Vertical Space Like a Pro
    Stackable bins, hanging organizers, or seat-back pockets can double your storage without eating into living space. Store snacks, toiletries, tools, and even paperwork in tidy, accessible zones.
    🍴 4. Bring Your Mini Kitchen
    A compact microwave, electric kettle, or 12V slow cooker can change how you eat on the road. Tired of truck stop food? Prep a few meals in advance and reheat when you’re parked. It saves money and your stomach.
    🎧 5. Make Time for “You” Time
    Even 20 minutes of downtime with your favorite playlist, podcast, or book can reset your mind. Keep a tablet or Kindle handy, or invest in noise-canceling headphones to shut out the world for a bit.
    🧴 6. Smells Matter More Than You Think
    A little air freshener or essential oil diffuser goes a long way in a small space. Lavender or eucalyptus can actually help you sleep better. Plus, it beats the smell of stale fast food wrappers.
    🛡️ Bonus Tip: Peace of Mind Starts With the Right Coverage
    Comfort is key—but so is security. If you’re sleeping in your truck, you need to know you’re protected. At Logrock, we make sure your truck insurance covers your equipment, downtime, and liability—so you can sleep soundly wherever you’re parked.
    🚛 Home Is Where You Park It
    You might not have a white picket fence or a two-car garage—but you’ve got a rig, a route, and a job that keeps America moving. With a few smart upgrades, your sleeper cab can be the home on wheels you deserve.


    Need help protecting it all? Let’s talk about coverage that works for how you live and drive.

  • Dispatch Love Letters: Real Truckers Talk Long-Distance Relationships

    Being a trucker means putting in long hours, running hard miles, and spending days—or weeks—away from home. For many independent truck drivers, the toughest part of the job isn’t traffic or weather. It’s the distance from the people they love.

    While we didn’t interview truckers directly, stories from the road are full of honesty, humor, and heart. In this post, we’re celebrating the reality of long-distance relationships in the trucking world—the ones held together by calls, texts, handwritten notes, and a lot of mutual respect.

    “She leaves me notes in my lunchbox.”

    One story shared in a driver forum talked about a wife who packed sandwiches with little Post-it notes:

    “Be safe. Don’t forget your coffee. I love you more than your Kenworth.”

    Small gestures go a long way when the road gets long.

    “We do a 9 p.m. check-in, no matter what.”

    Many truckers swear by a set daily check-in—just a few minutes to talk, laugh, and stay connected. No matter the haul, that phone call becomes a lifeline, keeping relationships steady through time zones and tire changes.

    “We learned how to communicate—really communicate.”

    Truckers say the distance taught them to be clear, intentional, and honest with their partners. There’s no room for guesswork when your nearest stop is 200 miles away.

    “Sometimes I write her letters—like, actual paper and pen.”

    Even in the digital age, some drivers take time to write old-school letters during layovers. It’s not fast, but it’s personal—and it’s a reminder that love doesn’t have to move at 70 mph.

    Staying Connected Means Staying Covered

    Life on the road is unpredictable. That’s why Logrock offers truck insurance for owner-operators, dump truck drivers, and independent haulers who need more than just coverage—they need peace of mind.

    Because while you’re out there keeping your promises, we’re here keeping ours: helping you stay protected so you can get home to the people who matter most.

    Here’s to every trucker making it work—mile by mile, message by message.
    Get covered with Logrock and keep your journey moving forward, on every front.

  • Everything That Affects the Cost of Truck Insurance: What Every Trucker Should Know

    If you’re a trucker or run a trucking business, you’ve probably wondered: Why does truck insurance cost what it does? The truth is, commercial trucking insurance rates are affected by a wide range of factors — from your zip code to your driving record. At Logrock, we make truck insurance easy by helping you understand exactly what goes into your premium so you can make smart decisions on the road and in your business.

    Whether you’re just starting your authority or you’ve been in the game for years, here’s everything that affects the cost of your truck insurance.

    1. Your Home State and Business Location

    Insurance carriers base their starting rates on your business’s home state, including its zip code and regulatory environment. If you’re set up in a state different from where you’re licensed or live, you might face higher rates or delays.

    ✅ Pro tip: Keep your licensing, residence, business registration, and insurance all in the same state to avoid complications and reduce risk.

    2. Your Credit Score (Yes, It Matters!)

    The credit score of the business owner or responsible party can significantly impact premiums. A strong credit scoremeans:

    • Lower down payments
    • Longer payment options
    • More competitive rates

    Trying to “game the system” by adding someone with good credit (like grandma) to your LLC? Don’t. It could be seen as material misrepresentation, and it’s not worth the risk.

    3. Your Vehicle’s Age, Type & Value

    Not all trucks are rated equally. Insurers consider:

    • Year of the truck: Newer trucks cost more to insure.
    • Truck value: A $100K rig will cost more than a $25K one.
    • Vehicle weight class: Heavier trucks (like semis) usually cost more than box trucks or lighter vehicles.

    4. Driver Factors: Age, Record & Licensing State

    Here’s what insurers look at:

    • Driver age: Younger drivers (especially under 23) often pay more. Discounts start around age 35.
    • Driving record: Accidents, violations, and claims within the last 3–5 years will raise rates.
    • License state: If your driver is licensed in a different state from your business, expect a surcharge.
    • Owner-driver status: If the owner isn’t listed as a driver, insurance costs can rise.

    5. Where Your Truck is Parked (Garaging Address)

    Where your truck sleeps at night matters. Even if it’s parked a few miles away in a different zip code, the rate can change.

    • Garaging address should ideally match your business and policy state.
    • Out-of-state garaging often increases rates.

    6. Coverages and Policy Limits

    The more coverage you add, the more your premium will cost.

    Standard limits:

    • $1,000,000 in auto liability
    • $100,000 in cargo insurance

    Starting with liability-only and adding cargo later can save money when you’re just getting your MC authority. But remember, more coverage = more cost.

    7. Deductibles

    Want a lower premium? Raise your deductibles.

    Example:

    • $500 deductible = higher premium
    • $2,500 deductible = lower premium

    This is especially true for collision and comprehensive coverage on your truck.

    8. Prior Insurance History

    Insurance carriers reward consistency.

    If you already have:

    • Personal auto insurance
    • Previous commercial trucking insurance

    You could be eligible for a discount. If not, expect higher rates, especially with companies like Progressive.

    9. ELD Discounts

    Some carriers offer up to 20% off your premium for using ELDs (Electronic Logging Devices). For new ventures, it’s typically a 5% discount, but that adds up quickly.

    💡 Make sure to ask your agent about the ELD discount — not all include it automatically.

    Final Thoughts

    At Logrock, we believe in making truck insurance simple, transparent, and built for truckers like you. Knowing what impacts your rates gives you the power to make better choices for your business.

    Whether you’re just getting started or looking to save more on your renewal, we’re here to help you navigate the road ahead.

    Need help finding the best rate?
    📲 Start your quote today with Logrock — the fastest, easiest way to get covered.

  • What’s on Your Dash? 7 Things Every Trucker Keeps in Arm’s Reach

    Let’s be honest—your truck’s dash is more than a control panel. It’s your personal shelf, snack bar, phone stand, filing cabinet, and sometimes, even your therapy session.

    Every trucker’s setup is a little different, but here are 7 things that almost always make the cut:

    1. Phone Mount (a good one)

    Whether you’re using GPS, checking load boards, or taking calls, a secure mount is a must. Bonus if it doesn’t rattle on rough roads.

    2. Logbook or ELD Tablet

    Digital or old-school, it’s got to be within reach. Keeping things legal, logged, and locked in—no exceptions.

    3. Sunglasses

    Blinding sun, windshield glare, or just trying to look cool at the fuel stop? Always keep a spare pair nearby.

    4. Snacks

    Trail mix, jerky, or that emergency pack of peanut M&Ms—because a long haul with no food is a crime.

    5. Logrock Insurance Card

    In case of a roadside inspection or fender bender, make sure your truck insurance documents are right where you can grab them. We’ve got your back.

    6. CB Radio or Bluetooth Headset

    Still a staple for many drivers—especially if you’re old-school or crossing areas with no signal.

    7. Lucky Charm

    A family photo, a dashboard hula dancer, or a worn-out coin that’s been with you since day one—whatever keeps you centered on the road.

    Your Truck, Your Rules

    What’s on your dash says a lot about how you roll. Organized or chaotic, minimal or packed—it’s all part of the ride.

    At Logrock, we’re here to support the whole journey. That includes reliable truck insurance, no matter what you’ve got on the dash.

    Need a quote? Let’s talk before your next trip.

  • The Ghost Truckers of Route 66: Myths from the Road

    Every trucker has a story. Some are about tight deadlines, great diners, or impossible weather—but a few go a little deeper. Across the country, especially along old highways like Route 66, there are whispers of something… stranger.

    Welcome to the legends of the Ghost Truckers—mysteries from the road that still get passed between CB radios and late-night coffee counters.

    Phantom Rigs on the Mother Road

    Stretching from Illinois to California, Route 66 has seen it all. But for decades, drivers have reported phantom headlights in their mirrors, glowing rigs that vanish without a trace, and even full-blown “ghost trucks” that seem to barrel down the road—only to disappear before they pass.

    Some say it’s just fatigue. Others swear it’s something more.

    The Vanishing Convoy

    One popular myth tells of a convoy of three trucks seen traveling west through Arizona—only none of them cast a shadow in daylight. Witnesses say they moved in perfect formation and vanished as they reached the edge of the desert.

    No records. No company logos. No explanation.

    Why the Stories Stick

    Whether you believe in highway hauntings or not, one thing’s clear: truckers are no strangers to long hours, dark roads, and strange sights. These stories live on because they speak to the isolation, mystery, and respect we all feel for the road.

    Don’t Leave Your Rig Unprotected

    While ghost stories might be fun to tell, the real risks out there—like breakdowns, damage, or liability—aren’t so spooky. That’s where Logrock comes in.

    We offer reliable truck insurance for owner-operators, dump truck drivers, and independent rigs of all kinds. No fleet? No problem. Whether you’re running solo across Route 66 or hauling local, we help you stay protected mile after mile.

    Stay safe. Stay covered. And if you see a ghost truck? Just flash your lights and keep on rollin’.
    Get a quote from Logrock today—no legends, just coverage you can count on.

  • Understanding Truck Insurance Requirements for Amazon Relay: A Historic Overview

    If you’re a trucker or owner-operator looking to run Amazon Relay loads using a rented box truck, understanding the insurance requirements is crucial. While some rules have changed recently, this blog provides a general historic overview based on a detailed explanation from a trusted trucking insurance expert. Keep in mind that since this information was originally recorded, some Amazon Relay and rental company insurance rules may have been updated.

    What Insurance Does Amazon Relay Require for Box Trucks?

    Amazon Relay typically requires $1 million in auto liability insurance for truck operators running loads under their program. This requirement goes beyond the basic FMCSA minimum of $750,000, which is often not sufficient for brokers or rental companies.

    Auto Liability Insurance

    • FMCSA minimum: $750,000 — the federal baseline for motor carriers.
    • Amazon Relay requirement: $1 million minimum.
    • Rental companies and brokers: Also generally require $1 million or more.

    Auto liability covers bodily injury and property damage (often referred to as BIPD or Bodily Injury and Property Damage), which is essential protection while hauling freight.

    Additional Insured and Loss Payee

    Rental companies such as Penske, Ryder, and Enterprise will usually require to be named as additional insured and loss payee on both the auto liability and physical damage insurance policies. This protects their interests in case of damage or accidents.

    Cargo Insurance Requirements

    FMCSA itself does not mandate cargo insurance for general freight carriers like Amazon Relay drivers. However, most brokers and Amazon will expect you to carry at least $100,000 in cargo insurance, with the option to increase coverage (up to $250,000 or more) if needed.

    Cargo insurance protects the freight you carry, which is important especially when running Amazon Relay or brokered loads.

    Physical Damage Coverage

    Physical damage insurance covers damages to the truck itself. While FMCSA and Amazon Relay do not always require physical damage coverage, rental companies almost always require it.

    • The physical damage coverage should match the actual value of the rented truck.
    • Truck values vary widely, typically ranging from $40,000 to $120,000 depending on make, model, and condition.
    • Keep your insurance agent updated with the accurate truck value to avoid costly coverage gaps or overpaying.

    General Liability and Workers Compensation

    • Amazon Relay requires $1 million per occurrence in general liability insurance with a $2 million aggregate.
    • General liability protects against non-vehicle related claims.
    • Workers compensation insurance is only required if you have W-2 employees. Most owner-operators running Amazon Relay loads as independent contractors do not need this.

    Important Tips for Truckers Renting Box Trucks for Amazon Relay

    1. Get an insurance agent who specializes in trucking insurance. Trucking insurance is complex and requires knowledge of specialized requirements.
    2. Keep all communications in writing. Always email your agent when updating truck values or policy details to maintain a paper trail.
    3. Update your physical damage coverage every time you rent a new truck. Not doing so can leave you liable for uncovered damages.
    4. Consider owning or leasing your truck long-term. Renting is a great way to get started but can become costly and inconvenient over time.

    Note on Changing Rules and Regulations

    This blog is based on a video recorded prior to recent changes in Amazon Relay’s insurance and rental requirements. Some policies and requirements may have changed since then. We include this information for general historic reference and encourage truckers to consult the latest Amazon Relay guidelines and speak directly with their insurance agents to ensure compliance.

    The most important update is that you have to have your authority active for six months before applying to Amazon Relay. New ventures used to be able to apply as soon as their authority went active but that has since changed.

    If you’re looking for the best insurance solutions tailored for your trucking business, Logrock specializes in affordable, reliable commercial truck insurance designed to meet Amazon Relay and broker requirements. Contact us today to get a quick quote and expert guidance to keep you moving on the road.

  • Summer 2025 Trucking Update: What New Speed Limiter Rules Mean for Drivers

    Big news is hitting the freight industry this summer: the FMCSA is moving forward with speed limiter regulations for commercial trucks. If finalized, the rule could require most Class 8 trucks to use electronic engine control units (ECUs) to cap speed—likely around 68 mph.

    What This Means for Truckers:

    • Owner-operators may need to verify or update onboard tech to meet new compliance standards.
    • Fleet managers will need to monitor speed settings across all vehicles.
    • Insurance premiums could be impacted, especially if speed reduction leads to fewer accidents and claims.

    How It Could Affect Truck Insurance

    Slower trucks mean reduced risk, which could eventually lower truck insurance rates—especially for carriers with clean safety records. But non-compliance could have the opposite effect, putting you at risk of fines or higher premiums.

    What to Do Now:

    • Check your truck’s current speed limiter settings.
    • Stay updated on FMCSA rule changes.
    • Talk to your insurance partner about how regulation changes could impact your coverage.

    At Logrock, we help you stay compliant and protected—so you can focus on running your business, not chasing new mandates.

    Be sure to check out our blog on How To Prepare for FMCSA Authority for some extra tips!

    Want help navigating new regulations? Reach out to our team for a policy review or quote built for today’s trucking world.

  • CB Slang Translator: Say It Like a Trucker

    Before cell phones and GPS apps, truckers relied on CB radios (Citizens Band) to communicate. And they didn’t just talk — they spoke their own language. Even today, CB radio slang is alive and well on the highways, and knowing the lingo is part of the culture.

    Whether you’re a new driver or just rusty on the phrases, here’s a quick CB slang translator to help you talk like a trucker.

    Common CB Slang Terms Every Trucker Should Know:

    CB SlangMeaning
    10-4Message received / Okay
    Breaker 1-9Request to speak on channel 19
    BearPolice officer
    Bear TrapSpeed trap
    Back DoorBehind you (rear view)
    Hammer DownSpeeding up / Going fast
    Lot LizardPerson soliciting at a truck stop
    SmokeyHighway patrol with a radar gun
    Chicken CoopWeigh station
    AlligatorShredded tire on the road
    Evil KnievelMotorcycle cop
    Cash RegisterToll booth
    Four-WheelerAny non-commercial car
    Comeback?“Can you repeat that?”

    Why It Matters

    CB radios aren’t just about nostalgia. They’re still used for quick updates on traffic, weather, accidents, or “smokeys” ahead. Knowing a little CB lingo can help you stay in the loop—and maybe even get a few friendly honks from fellow drivers.

    Plus, it’s just part of what makes trucker culture unique.

    At Logrock, we know independent drivers have their own code, their own way of doing things—and their own language. Whether you’re hauling in a dump truck, a semi, or running your own show, we’re here to support your journey with helpful tools and info along the way.

    Need A Quote? Let Logrock Make Things Easy On You!

  • Why Logrock’s Quote Form Is the Easiest Way to Get Trucking Insurance

    Getting trucking insurance shouldn’t feel like you’re stuck in a weigh station—slow, confusing, and full of red tape. At Logrock, we set out to change that.

    Our team built a quote form specifically for truckers, not insurance agents. We know your time is money, and our goal is simple: make it as easy as possible to get multiple quotes with just one application. Here’s how we built the easiest trucking insurance quote form in the industry—and why it’s different from anything else out there.

    Built for Truckers, Not Agents

    Most insurance applications are designed by people who have never spent a day behind the wheel. We flipped the script.

    Our quote form is designed with real truckers in mind—people on the road, juggling tight schedules, and working long hours. That means:

    • No confusing paperwork
    • No repetitive questions
    • No waiting days just to hear back

    It’s simple, fast, and designed to move at the speed of your business.

    According to the Owner-Operator Independent Drivers Association (OOIDA), time wasted on administrative tasks is a top frustration for independent truckers. That’s why we prioritized speed and simplicity (OOIDA Foundation, 2024).

    Mobile-First, Because You’re Always on the Move

    We know most truckers complete forms on their phone—not a desktop computer. That’s why Logrock’s quote form was built mobile-first from day one.

    You can complete the entire trucking insurance application from your phone—between loads, at a rest stop, or right from your cab. The layout is clean, fast, and built for screens that fit in your pocket.

    And we’re not alone in this thinking. A 2023 report from McKinsey & Company shows that over 60% of small business insurance customers now prefer mobile-first tools when shopping for policies (McKinsey, 2023).

    No Jargon, Just Straightforward Questions

    Trucking insurance can get technical. But that doesn’t mean your application should.

    Our form was designed to skip the industry lingo and confusing terms. Whether it’s your first time applying for commercial trucking insurance or your tenth, you’ll understand every question without needing a translator.

    It’s the simplest trucking insurance application form you’ll find.

    One Form = Multiple Quotes

    Why fill out the same info five times with different agents when you can do it once with Logrock?

    Our system is connected with multiple top-rated trucking insurance carriers. You fill out one form—and we use it to compare truck insurance quotes across providers, saving you time and giving you options. You stay in control, without the hassle.

    Automation That Works For You

    We’ve built smart tools into our form to make the process faster and more accurate:

    • ✅ FMCSA Lookup – We pull your business data directly from the FMCSA to pre-fill key fields.
    • ✅ VIN Decoder – Enter your VIN once and we’ll auto-fill your truck details.
    • ✅ Google Maps Autofill – Quickly enter addresses without typing the full thing.

    It’s automation that saves time and helps you avoid mistakes that can delay your quote. Logrock’s quote form is fast, quick, and built to get you the cheapest truck insurance quote without all the fluff.

    Ready to Get Started?

    If you’re looking for a quick trucking insurance quote that doesn’t involve phone tag, paperwork, or confusion—start with Logrock.

    👉 Click here to get your easy trucking insurance quote now!

    Sources:

    • Owner-Operator Independent Drivers Association (2024). Top Issues Facing Owner-Operators. Retrieved from ooida.com
    • McKinsey & Company (2023). Insurance 2030: Driving growth in the digital era. Retrieved from mckinsey.com