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Tag: TruckInsurance2025

  • 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.

  • What Affects the Cost of Truck Insurance in 2025?

    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.

    Top Factors Driving Truck Insurance Rates in 2025:

    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.

    Pro Tip from Logrock:

    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.