Last updated: June 17, 2026
From March through May 2026, our research team evaluated 40+ owner operator insurance agencies operating across the United States. We focused exclusively on independent agencies, businesses that represent multiple carriers and act as a middleman between truckers and the companies that underwrite coverage. We pulled data from agency websites, Google, Trustpilot, WalletHub, the Better Business Bureau, carrier filings, and industry publications. Each agency was scored using a seven-factor algorithm:
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Years in Business (15%): Length of time operating as a licensed independent agency in commercial trucking.Bes
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Average Customer Review Score (20%): Scores compiled across Google, Trustpilot, WalletHub, and the Better Business Bureau.
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Account Service (15%): Responsiveness of the account team, speed of certificate of insurance (COI) turnaround, and quality of day-to-day client support.
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Owner Operator Coverage Options (15%): Total number and relevance of products available to independent truckers.
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Quote Turnaround Time (15%): Time from initial inquiry to delivery of a bindable quote.
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Carrier Access (10%): Number and quality of carriers the agency can access on behalf of clients.
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Trucking Specialization (10%): Percentage of the agency’s total book of business focused exclusively on trucking insurance.
We rank-ordered every agency in our dataset using this algorithm. The table below presents the top six performers, followed by in-depth reviews of each.
The Best Owner Operator Insurance Agencies of 2026
1. Truck Writers, for Multi-Carrier Owner Operator Coverage
Founded in Blaine, Minnesota in 1983, Truck Writers is a family-owned independent insurance agency with over four decades of experience in trucking insurance. The agency specializes exclusively in trucking, with a support staff of 30+ professionals and a dedicated account team assigned to every client. Owner operators receive a quote within 24 to 48 hours, among the fastest turnaround times of any agency on this list.
The agency represents multiple insurance carriers, meaning owner operators receive competing options rather than a single carrier’s rate. Coverage lines include auto liability, physical damage, cargo insurance, workers’ compensation, freight broker insurance, per trip excess coverage, and captive or self-insurance programs. Truck Writers holds licenses in 38 states, and its product depth is matched by few trucking-only agencies in the country.
Location: Blaine, MN (additional office in Welcome, MN)
Year Founded: 1983
Average Review Score: 4.5/5.0
Services Offered: Auto liability, physical damage, cargo, workers’ compensation, freight broker insurance, per trip excess, captive/self-insurance programs
Summary of Online Reviews: Clients frequently highlight “responsive account teams,” “competitive rates from multiple carriers,” and “fast quote turnaround,” with some first-time applicants noting the intake process is thorough but worth completing.
2. RJS Truck Insurance, for Dedicated Owner Operator Account Service
RJS Truck Insurance has operated as an independent commercial trucking agency since 1991, building a 35-year track record focused entirely on commercial truck insurance. Based in Laguna Niguel, California, the agency shops multiple carriers to match each client with coverage that fits their specific operation, hauling radius, cargo type, authority status, and driving history all factor into the quoting process. New authority truckers are a specific focus, and the agency’s onboarding process is designed to get coverage in place quickly for operators just entering the market.
The agency holds a 4.9/5.0 Google rating across 375+ verified reviews, the highest public satisfaction score of any agency on this list. Coverage lines include primary auto liability, physical damage, motor truck cargo, bobtail, non-trucking liability, occupational accident, and general liability.
Location: Laguna Niguel, CA
Year Founded: 1991
Average Review Score: 4.9/5.0
Services Offered: Auto liability, physical damage, motor truck cargo, bobtail, non-trucking liability, occupational accident, general liability
Summary of Online Reviews: Clients praise “fast response times,” “knowledgeable agents,” and “hassle-free COI requests,” with long-term customers noting the agency has been a dependable partner across many years of their trucking business.
3. Joe Morten & Son, for Established Owner Operator Programs
Joe Morten & Son has operated as a commercial trucking insurance agency since 1936, making it one of the oldest trucking insurance agencies in the United States. Founded in South Sioux City, Nebraska by Joseph A. Morten, the agency grew so quickly that it helped establish Great West Casualty Company in 1956, one of the country’s most recognized trucking insurance carriers. Today, Joe Morten & Son is Great West Casualty’s largest agency, serving 9,000+ customers across 46 states from a network of ten office locations.
As a 90-year-old agency built on referrals and long-term client relationships, Joe Morten & Son has not prioritized online review collection, a common trait among legacy commercial trucking agencies that predate the era of digital marketing. Coverage lines include commercial auto liability, physical damage, motor truck cargo, general liability, workers’ compensation, excess liability, and occupational accident insurance.
Location: South Sioux City, NE (10 locations nationwide)
Year Founded: 1936
Average Review Score: N/A (no public aggregate available)
Services Offered: Commercial auto liability, physical damage, cargo, general liability, workers’ compensation, excess liability, owner operator programs (Choice Coverage® Plus), specialty coverages
Summary of Online Reviews: Joe Morten & Son does not maintain a widely aggregated public review presence. Client testimonials on the agency’s website highlight “deep knowledge of the trucking industry” and a long-term advisory relationship that goes beyond basic coverage placement.
4. Aronson Group, for Tech-Driven Small Fleet and Owner Operator Coverage
Aronson Group was founded in 2017 with a clear focus: use technology to remove friction from the trucking insurance process for small fleets and owner operators. The agency is built around a proprietary platform that automates underwriting workflows and delivers carrier-ready data at scale, compressing quoting timelines from days down to hours. Owner operators and small fleet owners receive quotes within 24 hours, and the agency accesses dozens of A-rated carriers to shop coverage rather than routing clients to a single market.
Aronson Group works exclusively with 1-to-9 unit trucking companies and has grown to serve 5,000+ trucking businesses nationwide since its founding. Coverage includes commercial auto liability, physical damage, motor truck cargo, new venture programs for first-year authorities, and flexible policies for seasonal or changing fleets.
Location: Bettendorf, IA
Year Founded: 2017
Average Review Score: 4.9/5.0
Services Offered: Commercial auto liability, physical damage, motor truck cargo, new venture insurance, flexible policies for changing fleets, FMCSA filings, and certificates
Summary of Online Reviews: Clients frequently cite “significant premium savings,” “transparent quoting,” and “fast and easy process,” with many noting the agency helped them find coverage at rates well below what their previous agent had quoted.
5. Owner Operator Direct (LuckyTruck), for Leased and Own-Authority Coverage
Owner Operator Direct has served independent truckers since 2004 and now operates under the LuckyTruck brand. The agency works with six carrier partners, including Northland, National Indemnity, Lancer, and Progressive, giving owner operators access to side-by-side pricing rather than a single-rate option. Online quotes are available for same-day processing, and clients can pull certificates of insurance at any time through the online portal.
Coverage is available for both leased owner operators and those operating under their own authority. Monthly payment options and 24/7/365 claims service are included. The platform’s digital-first structure works well for straightforward coverage needs, though complex multi-truck fleets or operations requiring specialty endorsements may find a full-service agency model better suited to their needs.
Location: Online-based (national coverage)
Year Founded: 2004
Average Review Score: 4.7/5.0
Services Offered: Own authority coverage, leased owner coverage, physical damage, cargo, non-trucking liability, occupational accident
Summary of Online Reviews: Customers describe a “seamless online experience,” “knowledgeable agents,” and “quick turnaround,” with some noting that complex fleet accounts benefit from a more hands-on advisory approach.
6. Marquee Insurance Group, for New Ventures and Fleet Growth
Marquee Insurance Group was founded in 2014 with a focus on simplifying trucking insurance for carriers at every stage, from first-year authorities to established fleets. The agency accesses 30+ A-rated markets, making it one of the strongest independent agencies on this list from a carrier access standpoint. That breadth is particularly valuable for new-venture owner operators who may face limited options from carriers cautious about first-year risks.
Coverage lines include commercial auto liability, physical damage, motor truck cargo, general liability, freight broker insurance, and per-shipment cargo. Marquee also runs a safety monitoring program called BOOST, which helps owner operators manage their CSA scores and maintain coverage eligibility over time.
Location: Roswell, GA
Year Founded: 2014
Average Review Score: 4.3/5.0
Services Offered: Auto liability, physical damage, motor truck cargo, general liability, freight broker insurance, per-shipment cargo
Summary of Online Reviews: Clients frequently mention “simple quoting process,” “competitive rates,” and “responsive agents,” while some reviews note billing or renewal issues that were resolved through direct communication with the agency.
The Best Owner Operator Insurance Agencies in the US by Specialty
We also broke down the top owner-operator insurance agencies into three subcategories based on specialty.
The Best Owner Operator Insurance Agencies for New Authority Truckers
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Truck Writers
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Aronson Group
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Marquee Insurance Group
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Owner Operator Direct (LuckyTruck)
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RJS Truck Insurance
The Best Owner Operator Insurance Agencies for Leased Owner Operators
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Owner Operator Direct (LuckyTruck)
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Truck Writers
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RJS Truck Insurance
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Joe Morten & Son
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Marquee Insurance Group
The Best Owner Operator Insurance Agencies for Long-Haul Independent Truckers
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Truck Writers
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RJS Truck Insurance
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Joe Morten & Son
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Aronson Group
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Marquee Insurance Group
Conclusion
Owner operators need coverage that fits their specific operation: their hauling radius, cargo type, authority status, and budget. The agencies on this list represent the strongest independent options across a range of needs, from new-venture truckers looking for their first policy to established long-haul operators seeking competitive renewal rates.
Truck Writers has earned the top spot because of the combination it delivers: 43 years of exclusive trucking focus, a dedicated account team for every client, access to multiple carriers, and a 24-to-48-hour quote turnaround. Whether you run one truck or a small fleet, an independent agency built entirely around trucking insurance is the most reliable way to make sure your coverage fits the way you operate.
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