·6 min read·
7 Ways to Lower Your Trucking Insurance Premium in 2026
Real strategies that save trucking companies money on insurance — from ELDs and dash cams to clean MVRs and bundled policies.
Trucking insurance has gone up every year for the last decade. Here are seven things that actually move the needle on your premium.
- Run clean — every claim-free year drops your renewal
- Install ELDs and dash cams — most carriers offer 5–15% credits
- Hire CDL drivers with 3+ years of clean MVR
- Pay annual instead of monthly (saves 5–10%)
- Bundle GL, cargo, and physical damage with one carrier
- Improve your CSA scores — high BASIC scores raise rates
- Work with an independent agent who shops 6+ carriers at every renewal