Owner Operator Insurance

Comprehensive trucking insurance designed for single-unit operators. Backed by 40+ years of expertise and real people who understand your business.

Comprehensive owner operator insurance coverage

Owner operator insurance is specialized commercial trucking coverage for drivers who own their truck and operate under their own authority or lease onto a motor carrier. It protects you from the financial risks of hauling freight: accidents, cargo damage, truck breakdowns, and liability claims. Most shippers and brokers require at least $1 million in liability coverage before they’ll work with you. The right insurance keeps you compliant, protected, and on the road.

Typical turnaround: 24-48 hours

What does owner operator insurance cover?

Primary Liability – Covers bodily injury and property damage you cause while hauling freight (FMCSA minimum: $750,000; shipper requirement: $1M+)
Cargo Insurance – Protects the freight you’re hauling if it’s damaged, lost, or stolen
Physical Damage – Covers repairs or replacement if your truck is damaged in an accident, weather event, or theft
Bobtail Insurance – Covers liability when you’re driving your truck without a trailer or load
Non-Trucking Liability – Covers personal use of your truck when not hauling freight
Occupational Accident (OAC) – Medical and disability coverage for owner operators

Not sure which coverages you need? We’ll walk you through it based on your operation and customer requirements.

Why choose Truck Writers?

We’ve been helping owner operators secure coverage for over 40 years. You’ll work with a dedicated account team who knows your business. As an independent agency, we shop your coverage across multiple insurance carriers to find the best fit and price.

Most quotes are delivered within 24 to 48 hours, and we can often bind coverage same-day. We only work with trucking businesses, so we understand your challenges: tight margins, unpredictable pricing, shipper demands, and the need for flexible coverage.

How it works.

Request a Quote – Fill out our quick form or call us. We’ll ask about your truck, driving history, freight type, and coverage needs.
We Shop Your Coverage – We compare quotes across multiple insurance carriers to find the best coverage at the best price.
Review Your Options – We’ll walk you through your quote, explain what’s included, and answer any questions.
Get Covered – We handle the paperwork and can often bind coverage same-day. You’ll get your certificate of insurance and be ready to haul.

Common questions.

How much does owner operator insurance cost per month?

Most owner operators pay between $900 and $2,500 per month depending on experience, freight type, coverage limits, and driving history.

What’s the difference between bobtail and non-trucking liability insurance?

Bobtail covers you when driving your truck without a trailer. Non-trucking liability covers personal use like running errands or commuting. Many policies bundle them.

Can I get coverage with a new MC authority?

Yes. We work with carriers that specialize in new authorities and drivers with limited experience.

Ready to get covered?

Let us handle the details while you focus on moving freight. With 40+ years of experience, a dedicated team, and access to dozens of carriers, we’ll find the right coverage at the right price.

Call us at 800-634-8612 or complete our quick online form.