Owner-operators · Small fleets · New Ventures
We insure truckers.
Nothing else.
- A-rated carriers
- Quotes in ~24 hrs
- Same-day COIs
- Hablamos Español
Licensed in: CA, AZ, NV, UT, TX, WA, OR
What we cover
Everything a truck needs.
Nothing it doesn’t.
Being covered means four policies stacked right — Auto Liability, Physical Damage, Motor Truck Cargo, and General Liability. Here’s what each one does, and who needs it.
Auto liability
The FMCSA-required core — bodily injury and property damage when your truck is at fault.
Details →
Physical damage
Collision and comprehensive for the truck itself — accident, fire, theft, weather.
Details →
Motor truck cargo
Covers the load you haul — produce to pallets — if it is damaged or stolen in transit.
Details →
General liability
Covers your business off the road — premises, loading and unloading, and completed operations.
Details →What “only” means
- No homes.
- No boats.
- No life policies.
- No “bundle & save.”
Trucks. Only.
Every agent here works trucking risks all day, every day. That’s why your certificate goes out the same day instead of “by end of week.”
How it works
From USDOT number to bound coverage.
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Send us the basics
Your USDOT number, your trucks and trailers, your drivers. Two minutes on the quote form — or call us and one of our team members will take it down for you. You’re then assigned your agent, who handles it from there.
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Your agent shops the market
They verify your FMCSA authority and safety record themselves, build one application out of it, and take that to the A-rated carriers that actually fit your radius, your cargo and your loss history.
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Bound, filed, certificates
Your agent brings you the best overall price, coverage and carrier. You sign, put money down, and we bind it, handle the federal and state filings, and get certificates out the same day.
A-rated carriers we shop
Insurance agent: Maggie
Why truckers only
Agents that speak CDL.
Most agents quote a truck the way they quote a car. We built this agency on one niche so you never have to translate your business to your insurance agent.
- One niche. Trucking is all we quote, file, and argue about.
- MCS-90s, BMC-91s, reefer breakdown, trailer interchange: no explaining needed.
- One agent who knows your account, not a call center queue.
- ★★★★★
This is my 2nd year with Truckers Only and this company has been very helpful and always very nice no matter whom you talk to. Our agent Zhaira has been the best! Always makes sure she meets our needs and tries to help us with solutions when needed.
- ★★★★★
Maggie was the best — we worked together to get our mutual customer back into compliance. She went above and beyond for us and our customer. 100% referring her to all carriers.
- ★★★★★
The sales agent Zhaira is very professional, kind, and respectful. She understood the situation during our call and helped me resolve it in the best possible way. I recommend them to any carrier looking for an affordable and fair price.
- ★★★★★
You need an agent you can trust that will work hard to find you the best rates — Maggie is your agent! She’s awesome.
- ★★★★★
Great people and friendly service. Zhaira is one of the best insurance service providers in the industry, always ready to assist in any situation you may encounter.
- ★★★★★
Very good customer service and they are very reachable for assistance.
- Years in trucking
- 30+
- Truckers insured
- 1,500+
- A-rated carriers
- 25+
- Typical quote turnaround
- 24hr
FAQ
Straight answers
What do you need from me to get a quote?
The basics of your operation: DOT/MC number, driver and CDL details, VINs for your trucks and trailers, your running radius or lanes, and the limits your shippers or brokers require. The quote form walks you through all of it in about five minutes.
I just got my authority. Can you actually get me covered?
Yes — new ventures are one of our specialties. First-year premiums are real money, so we quote every carrier with a new-authority program and go over each option with you before you commit to anything.
How fast can I get a certificate of insurance?
Once your policy is bound, certificates go out the same day — usually within the hour during business hours. Need a certificate holder added later? One call or email does it.
Do you handle the federal and state filings?
We coordinate the filings your authority needs — like the MCS-90 endorsement and BMC-91/91X federal filings, plus state filings where required — so you are not chasing paperwork between loads.
My renewal came in high. Will you shop it?
That is exactly what an independent agency is for. Send us your current declarations page and we will re-shop your account across our carrier lineup — if staying put is genuinely your best deal, we will tell you that too.
Do you insure box trucks and hotshots, or only tractor-trailers?
All of it. Dry van, box truck, flatbed, reefer, hotshot, dump, car hauler, tanker — if it runs under a DOT number, we write it. Tell us the unit types and what you haul and we will match the program to the equipment.
What is an MCS-90, and do I need one?
The MCS-90 is a federal endorsement attached to your liability policy. It guarantees that the public gets paid after a covered loss even if a coverage dispute is in play — and if the insurer pays under it, you owe that money back. It is required for interstate authority, and it comes with the policy we place for you.
My broker does not require cargo coverage. Should I still carry it?
Usually yes. Without it, a damaged or stolen load comes out of your pocket, and a single reefer or electronics claim can exceed a year of premium. It also opens up the loads you can book, since most shippers and brokers will not dispatch a carrier without it.
I have a ticket or an at-fault accident on my record. Can you still quote me?
Yes. Carriers weigh violations and losses differently, which is exactly where an independent agency helps — we know which markets look past a rough MVR or a single claim and which will not. Send us what is on the record and we will tell you honestly where you stand.
How far ahead of my renewal should I contact you?
Thirty to forty-five days out. That gives us time to gather loss runs, market your account properly, and bring back real options instead of whatever can be rushed through in the last week. Last-minute renewals cost money.
No obligation. No generic agents.
Get a trucking quote
from a trucking agency.
Have your USDOT number handy and we'll take it from there — online, or over the phone.
Insurance agent: Zhaira
