How We Review Trucking Insurance Companies
Our editorial process is independent, transparent, and updated annually. Here's exactly how we score every carrier.
Our Rating Criteria
Each carrier is scored on a 5-point scale across five equally weighted categories:
| Category | Weight | What We Evaluate |
|---|---|---|
| Coverage Options | 25% | Range of policy types, customization, limits available |
| Claims Handling | 25% | Speed, communication, dispute resolution, owner-operator reviews |
| Financial Stability | 20% | AM Best rating, years in business, capital reserves |
| Pricing & Transparency | 20% | Competitiveness, online quoting, hidden fees |
| Customer Service | 10% | Availability, responsiveness, digital tools |
Our Research Process
- Carrier identification: We identify all major commercial trucking insurance carriers operating in the US.
- Data collection: We collect AM Best ratings, coverage details, and publicly available pricing data.
- Owner-operator interviews: We survey active owner-operators and fleet managers about their claims experiences.
- Mystery shopping: Our team obtains actual quotes for standard trucking profiles to compare pricing.
- Annual review: All ratings are reviewed and updated at least once per year.
Editorial Independence
TruckInsuredHQ.com is editorially independent. Carriers cannot pay to improve their scores. We may earn a commission if you get a quote through our affiliate links — this has no effect on our editorial ratings.
Data Sources
- AM Best financial strength ratings
- FMCSA SAFER system (carrier safety data)
- State DOT filing databases
- NAIC complaint ratio data
- Owner-operator community surveys (Truckers Forum, OOIDA members)