Hey guys, Brian here. Owning and running a trucking company isn’t cheap. Between fuel, maintenance, permits, and everything else, insurance can feel like one more bill that’s eating into your profits. When I first started, I asked myself the same thing you probably have:
“What’s the best way to save money on long-haul truck insurance?”
After going through the process myself (and talking to a lot of brokers), I’ve learned a few ways that really make a difference.
Keep a Clean Driving Record
It sounds obvious, but nothing affects your insurance rates more than your driving history. Tickets, accidents, and violations can skyrocket your premium. I made it a rule for myself—and anyone I hire—that safety comes first. A clean record doesn’t just keep you out of trouble, it saves you thousands over time.
Watch Your Radius and Routes
Long-haul drivers like me (500+ mile radius) usually pay more than local haulers. Why? More time on the road means higher risk. If you can, be strategic about what lanes you run. Even cutting back on a few high-risk states can help lower your premium.
Use Safety Tech
Insurance companies like when you use things that make you safer. Dash cams, GPS tracking, ELDs, and even anti-theft devices can sometimes qualify you for discounts. I installed a dash cam in my truck, and not only does it protect me in case of an accident, but it also showed my broker I take safety seriously.
Bundle and Build Loyalty
Some insurance companies will cut you a deal if you bundle policies, like commercial auto and general liability. And if you stick with a carrier and keep a clean record, your premium can drop over time. When I renewed after my first year, my rate went down just because I stayed claim-free.
Shop Around (With the Right Broker)
This is the big one. Not every insurance company wants to write long-haul truckers. Some specialize in local fleets, others focus on hazmat, and some flat-out avoid high-radius drivers. A good broker knows which carriers are hungry for your type of business and can match you with the best price. That’s what made the difference for me.
My Takeaway
There’s no magic button to slash your truck insurance costs overnight. But if you keep your record clean, show you’re committed to safety, and work with a broker who knows trucking, you’ll save money in the long run.
Get Covered Without Overpaying
If you’re an owner-operator or run your own trucking company like me, don’t settle for overpriced policies. Call 516-277-0812 or fill out the online form here: Request a Trucking Insurance Quote. The right coverage at the right price can keep you rolling without breaking the bank.