Finally, trucking insurance that makes sense.
Don't just get coverage. Get explanations.
Talk to an Expert 208-800-0640We Work for Free.
Ask Us How.
The Policy Costs the Same
Go direct to Progressive, use us, use a bad agent—same price. The commission is baked in. You're paying it either way.
Best Advice, Same Price
This is the only time in life where the best costs the same as the worst. Like getting Michael Jackson at your wedding for the price of the impersonator.
You're Shopping for a Partner
You think you're buying a policy. You're actually choosing who picks up when you call, who problem-solves with you, who has your back.
Commercial Trucking Insurance
That Actually Makes Sense
We specialize in commercial trucking insurance for owner-operators and small fleets. Every coverage we offer, we can explain in plain English.
Auto Liability
- Keeps you legal
- Protects when you're at fault
- Federal law requires $750K minimum for interstate
- Most carry $1M
Physical Damage
- Covers damage or total loss to your rig
- Collision, fire, theft, vandalism
- The coverage that lets you sleep at night
Cargo Insurance
- Covers freight if damaged, stolen, or lost
- Required by most brokers and shippers
- Most carry $100K (varies with commodities)
General Liability
- Additional coverage on top of auto liability
- Required by some brokers/shippers including Amazon
- Typically less than $750/year
Non-Trucking Liability
- Covers when not under dispatch
- Heading home, running errands, bobtailing
- Relatively inexpensive
Occupational Accident
- Medical coverage if injured on the job
- Disability protection
- For owner-ops not covered by workers' comp
Built for Truckers.
Only Truckers.
We've dedicated ourselves to learning the FMCSA, the transportation industry, and what life is actually like behind the wheel. Since 2020, trucking is all we've done. We get it.
Owner-Operators
You own your truck. You run your business. You need an agent who understands that every dollar matters.
New Authorities
Starting a trucking company is complicated enough. We specialize in new authorities and know exactly what you need.
Small Fleets
Growing your fleet means growing your coverage. Same fast service, same straight answers, just bigger policies.
Specific Operations
Different operations need different coverage. We match coverage to your actual business.
How It Works
Tell Us About Your Operation
Quick call or form. We ask the right questions.
Get Options That Fit
We explain what you're actually buying.
Stay Covered, Stay Moving
Certs when you need them. Answers when you have questions.
What Truckers Say
"First agent who actually explained what I was buying instead of just sending me a bill."
"Called at 7am needing a cert. Had it in my email before I finished my coffee."
"New authority, didn't know what I was doing. They walked me through everything."
Get a Quote
Fill out the form and we'll call you back. Usually same day.
- No obligation quote
- We explain everything
- Same day response
Or call: 208-800-0640
Straight Answers
How much does trucking insurance cost?
It depends on experience, equipment, what you haul, and safety record. New authority with newer truck: expect $10,000-$18,000/year. We'll give you a real quote based on your situation.
Is your price lower than other agencies?
Same carriers, same base price if they did it right. The difference shows up later—when you need to add a truck, change something, or have a question. That's when expertise matters.
How fast can I get a quote?
Most quotes same day. If you have your info ready, often within a couple hours.
I just got my authority. Where do I start?
Call us. We'll walk you through what coverage you need and how to get your filings done.
Do I need cargo insurance?
Practically yes—most brokers won't work with you without it. Standard is $100K.
Why RMS Exists
RMS Truck Insurance was founded on a simple idea: truckers could run their business better if they got better explanations.
Running a trucking company takes a team of experts—compliance, lending, dispatch, maintenance. Only one of them is actually behind the wheel delivering freight. We're saying: let us handle the insurance side so you can handle everything else.
When you call RMS, things happen. Fast and right. You get straight answers in plain English.
That's what "finally, someone on your side" means.