The State of Semi-Trucking in 2025: Insurance Insights from InsureMart
The U.S. semi-trucking industry is entering 2025 with rising costs, evolving regulations, and new technologies that reshape risk. For trucking companies, commercial truck insurance is more critical than ever. This guide from InsureMart; Nevada’s trucking insurance specialist, explains the top trends and how to control your insurance costs.
1. Freight Volumes Show Modest Growth
- The American Trucking Associations (ATA) projects freight tonnage will rise about 1.5–1.6% in 2025.
- Consumer demand and inventory cycles are still uneven, keeping freight rates competitive.
- Insurance impact: Higher miles on the road mean more exposure to accidents, which underwriters factor into premiums.
2. Costs Are Up; Fuel, Wages, and Insurance
- Fuel and driver wages remain elevated.
- Insurance premiums are up roughly 10–15% industrywide, according to multiple market reports.
- Tip: Fleets that maintain excellent safety scores and install telematics can often negotiate lower trucking insurance rates.
3. A Hardening Trucking Insurance Market
- Carriers and owner-operators are seeing stricter underwriting and higher minimum liability limits.
- High-risk operations like HAZMAT or heavy-haul face the toughest market conditions.
- Solution: Partner with a broker like InsureMart that works with A++-rated carriers such as Great West and Progressive Commercial.
4. Regulatory & Environmental Changes
- New emissions and greenhouse gas (GHG) rules are rolling out across multiple states.
- Autonomous-truck pilot programs continue, raising liability and compliance questions.
- Insurance takeaway: Carriers must stay current on regulations to avoid fines or coverage gaps.
5. Ongoing Driver Shortage and Safety Concerns
- The driver shortage remains a major challenge.
- Higher turnover and more new drivers increase accident frequency, which directly affects insurance costs.
- InsureMart Tip: Strong driver-training programs and documented safety policies help keep your premiums competitive.
6. Technology and Risk Management
- Dashcams, telematics, and Advanced Driver Assistance Systems (ADAS) reduce accidents and speed claims processing.
- Predictive maintenance and AI-driven routing improve uptime and can lower physical damage claims.
How Trucking Companies Can Control Insurance Costs in 2025
- Enhance Safety & Compliance – Keep CSA scores clean and document every inspection.
- Adopt Telematics & Video – Many insurers now give discounts for camera-verified safe driving.
- Review Deductibles & Coverages – Align policies with actual risk; consider umbrella or excess liability for large fleets.
- Stay Current on Regulations – Avoid unexpected non-compliance penalties that can void coverage.
- Work with a Specialist Broker – InsureMart negotiates competitive trucking insurance rates nationwide.
Why Choose InsureMart for 2025 Trucking Insurance
- Specialized Expertise: We focus on semi-truck insurance, from auto liability and cargo to physical damage and occupational accident.
- Top Carriers: Access to Great West, Great American, Progressive Commercial, Geico, Lancer, Canal, and more.
- Fast Certificates & Service: 24/7 COI generation with CSR24.
Final Thoughts
2025 brings both opportunities and risks for semi-truck fleets. Rising costs, stricter regulations, and evolving technology all impact your insurance needs.
InsureMart can help you navigate this changing landscape, protect your assets, and lock in competitive trucking insurance rates.
👉 Get a free trucking insurance quote today to see how much you can save.
Personal, Commercial & Trucking Insurance Agency | Insuremart