Last updated: June 17, 2026
From March through May 2026, our research team evaluated 40+ trucking insurance agencies serving commercial operations across the United States. We focused exclusively on independent agencies, businesses that represent multiple carriers and act as an intermediary between trucking companies and the insurers 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.
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Average Customer Review Score (20%): Scores compiled across Google, Trustpilot, WalletHub, and the Better Business Bureau.
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Quote Turnaround Time (15%): Time from initial inquiry to delivery of a bindable quote.
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Coverage Options (15%): Total number and relevance of products available across owner operators, small fleets, and motor carriers.
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Account Service Quality (15%): Responsiveness of the account team, speed of certificate of insurance (COI) turnaround, and quality of support provided to clients during policy changes and the claims process.
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Safety & Risk Management Resources (10%): Availability of driver safety programs, CSA score support, telematics integrations, and loss prevention tools.
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Geographic Reach (10%): Number of states in which the agency is licensed and actively writing trucking coverage.
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 Trucking Insurance Agencies of 2026
1. Truck Writers, for Multi-Carrier Commercial Trucking 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, small fleet owners, and large motor carriers all receive personalized service backed by deep knowledge of the commercial trucking industry.
The agency represents multiple insurance carriers, giving trucking businesses access to competing rates rather than a single carrier’s pricing. 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 “deep knowledge of trucking operations,” with some first-time applicants noting the intake process is thorough but worth completing.
2. Gallagher, for Large-Scale Transportation Risk Management
Founded in Chicago in 1927 by Arthur J. Gallagher, Gallagher has grown into one of the world’s largest insurance brokerage and risk management firms and a Fortune 500 company. Its transportation practice manages more than $1.5 billion in annual premiums across 8,900+ transportation clients, supported by 350+ dedicated transportation insurance specialists. The transportation division serves trucking carriers, freight brokers, freight forwarders, warehousing operations, last-mile delivery companies, and intermodal operators.
Two proprietary platforms set Gallagher apart from most agencies on this list. Gallagher Drive® provides real-time access to client data, risk program tracking, and optimization analytics. Gallagher CORE360® evaluates a trucking company’s entire risk management program, identifies coverage gaps, and benchmarks costs against the market. For large motor carriers and fleet operators managing complex multi-line programs, these tools offer a level of data-driven risk oversight that smaller agencies do not provide.
Location: Rolling Meadows, IL (US transportation headquarters)
Year Founded: 1927
Average Review Score: 4.5/5.0 (Trustpilot, all business lines)
Services Offered: Commercial auto, physical damage, cargo, workers’ comp, general liability, cyber liability, professional liability, marine, supply chain coverage
Summary of Online Reviews: Transportation clients cite “highly knowledgeable brokers,” “strong risk management tools,” and “deep carrier market access,” while some reviews note that response times and service quality vary by regional office.
3. Joe Morten & Son, for Deep-Rooted Trucking Expertise and Fleet Programs
Joe Morten & Son has served commercial trucking companies since 1936, making it one of the longest-standing trucking insurance agencies in the country. 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, with 9,000+ customers across 46 states and ten service locations from South Sioux City to Phoenix, Denver, Chicago, and Dallas.
For fleet operators, Joe Morten & Son offers its Top G.E.A.R.® risk management program, a consultative framework that uses online assessment, enterprise analytics, and industry benchmarks to build long-term safety and loss prevention strategies. Risk financing options include guaranteed cost policies, reporting policies, large deductible programs, and captive structures, including the PowerTech® Elite captive for best-in-class fleets. Coverage lines span commercial auto liability, physical damage, motor truck cargo, general liability, workers’ compensation, excess liability, owner operator programs, and specialty coverages.
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, fleet risk management (Top G.E.A.R.®), captive programs
Summary of Online Reviews: Unlike most agencies on this list, Joe Morten & Son has no widely available aggregate review score on major platforms, a reflection of its old-school, referral-driven business model rather than client dissatisfaction. Trucking companies that have worked with the agency point to its industry expertise, longevity, and the depth of its carrier relationships as reasons they stay year after year.
4. Cottingham & Butler, for Transportation Captives and Risk Consulting
Cottingham & Butler is one of the largest independent insurance brokers in the United States, with a dedicated transportation group that has specialized in commercial trucking for more than 30 years. The agency offers a comprehensive product suite, including auto liability, physical damage, cargo, general liability, workers’ compensation, and a well-regarded captive insurance program for larger carriers. Their risk management consulting capabilities set them apart from standard quoting agencies.
The agency’s structure is primarily calibrated for mid-size fleets and motor carriers. Quote timelines run two to five business days, which reflects a more thorough underwriting process suited to complex accounts. Transportation accounts for roughly 60% of their commercial lines business. For mid-size to large motor carriers seeking captive programs, risk consulting, or a full-service brokerage partner with decades of transportation-specific experience, Cottingham & Butler is a strong fit.
Location: Dubuque, IA
Year Founded: 30+ years in trucking transportation
Average Review Score: 4.3/5.0
Services Offered: Auto liability, physical damage, cargo, workers’ comp, general liability, captive insurance programs, risk management consulting
Summary of Online Reviews: Clients cite “deep industry knowledge,” “comprehensive coverage options,” and “strong captive programs,” while smaller operators sometimes note that the agency’s processes are better suited to mid-size and larger fleets.
5. Hub International, for Full-Service Fleet Risk Management
Hub International is one of the largest independent insurance brokerages in North America, with a dedicated transportation division that serves commercial trucking operations from single-truck independent contractors to large motor carriers. The company maintains relationships with virtually all national and regional insurance markets specializing in commercial transportation, giving clients broad pricing competition across carriers. Hub is licensed and active in all 50 U.S. states and across Canada.
Hub’s risk management resources stand out among the agencies on this list. The HUB Drive Online platform integrates client data, risk programs, and vendor tools into a single interface for fleet operators. The Fleet Risk Management service reduces accident rates and improves driver behavior through data analysis and training. Hub also provides claims management consulting and CSA score optimization tools. For large fleets and motor carriers that need both broad carrier access and dedicated fleet risk tools, Hub International is one of the most comprehensive full-service brokerage options available.
Location: Chicago, IL (US headquarters)
Year Founded: 1998
Average Review Score: 3.9/5.0
Services Offered: Commercial auto, physical damage, cargo, workers’ comp, general liability, marine, employee benefits, fleet risk management
Summary of Online Reviews: Transportation clients cite “professional and knowledgeable brokers,” “strong carrier access,” and “helpful fleet risk management tools,” while some note that service quality varies by regional office location.
6. Aronson Group, for Fast-Access Small Fleet and Owner Operator Coverage
Aronson Group was founded in 2017 with a technology-first approach to trucking insurance designed for small fleets and owner operators who have historically had trouble accessing competitive carrier markets. The agency’s proprietary platform automates underwriting workflows and delivers carrier-ready data at scale, shortening quoting timelines to under 24 hours. Rather than routing clients to a single market, Aronson Group accesses dozens of A-rated carriers to find the best fit for each operation.
The agency works exclusively with 1-to-9 unit trucking companies and serves 5,000+ clients nationwide. Coverage includes commercial auto liability, physical damage, motor truck cargo, new venture programs, and flexible policies designed for seasonal or growing fleets. It also provides fast FMCSA filings and COI turnaround, which is a practical differentiator for owner operators who need proof of insurance quickly. For small fleets that want multi-carrier access without the overhead of a large brokerage, Aronson Group is among the strongest options available.
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 their previous agent’s quote.
The Best Trucking Insurance Agencies in the US by Specialty
We also broke down the top trucking insurance agencies into three subcategories based on the size and type of trucking operation.
The Best Trucking Insurance Agencies for Small Fleets (2-9 Trucks)
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Truck Writers
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Aronson Group
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Cottingham & Butler
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Joe Morten & Son
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Hub International
The Best Trucking Insurance Agencies for Large Motor Carriers (10+ Trucks)
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Gallagher
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Joe Morten & Son
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Truck Writers
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Hub International
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Cottingham & Butler
The Best Trucking Insurance Agencies for Independent Contractors
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Truck Writers
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Aronson Group
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Joe Morten & Son
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Cottingham & Butler
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Hub International
Conclusion
The best trucking insurance agency for a given operation depends on fleet size, hauling type, geographic footprint, and the level of personalized service required. The agencies on this list represent the strongest independent options across that full range of needs, from independent contractors to large motor carriers running multi-state routes.
Truck Writers ranked first because of the combination it delivers: 43 years of exclusive trucking focus, a dedicated account team for every client, multi-carrier access that keeps pricing competitive, and a product depth that covers every stage of a trucking business’s growth. Unlike larger generalist brokerages, Truck Writers works exclusively in trucking, meaning every agent on staff understands the industry, the coverage, and the stakes when something goes wrong on the road.
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