See the average cost of owner-operator insurance in 2026 by coverage type, fleet size, all 50 states, and authority tier, plus 2020–2026 cost trends.

Average cost of fleet insurance in 2026 is $10,200 per vehicle. See rates by coverage type, fleet size, state, and experience, backed by ATRI data.

See 2026 average trucking insurance costs per truck by operating radius, telematics adoption, cargo class, and coverage type, plus a 2020 to 2026 trend table.

See average semi trucking insurance costs for 2026 by coverage, fleet size, trailer type, and region, backed by ATRI, FMCSA, and BLS data.

From May through July 2026, our research team evaluated 40+ insurance agencies offering non-trucking liability (NTL) coverage to leased owner operators across the United States. We focused exclusively on independent

Getting a trucking insurance quote is not like getting a quote for a car or home. The process is more involved, the variables are more specific, and the difference between

Fleet Insurance Rates by State: 2026 State of domicile and primary operating region are among the most significant cost variables in any fleet insurance program. The table below shows average

From February to August 2026, our research team pulled trucking insurance rate data from ATRI, Progressive Commercial, Insureon, The Zebra, and FMCSA to build a weighted model that turns per-mile