Top 5 Mistakes Truckers Make That Increase Insurance Costs — And How to Avoid Them 

Running a trucking business is all about balancing costs, and insurance can be one of your biggest expenses. The good news? Many truckers have the opportunity to save big just by avoiding a few common mistakes! At Logrock, we help carriers and owner-operators stay protected — without breaking the bank. Let’s break down five common mistakes that can drive up your premiums and how to steer clear of them.

1. Neglecting Regular Maintenance

Skipping routine maintenance can lead to unexpected breakdowns, failed inspections, and accidents — all of which raise your insurance rates. Even small issues can snowball into costly claims if left unchecked.

🔧 Fix it: Create a preventative maintenance schedule and stick to it. Catching problems early not only keeps your trucks safe but also reduces the risk of insurance increases.

2. Ignoring CSA Scores

Your Compliance, Safety, Accountability (CSA) score is a key factor insurers look at when setting your premiums. High scores from frequent violations or failed inspections signal higher risk, leading to higher insurance costs.

📊 Fix it: Prioritize driver training, keep thorough inspection records, and aim for clean roadside inspections. The lower your score, the better your insurance rates.

3. Hiring High-Risk Drivers

Bringing on drivers with a history of accidents, violations, or DUIs can drastically inflate your premiums. Even one high-risk driver on your roster can make your entire fleet more expensive to insure.

👀 Fix it: Screen drivers carefully with background checks and MVR reports. Invest in ongoing safety training to help your team keep their records spotless.

4. Carrying the Wrong Insurance Coverage

Paying for unnecessary insurance coverage — or worse, not enough coverage — can hurt your bottom line. Being underinsured might save you a few bucks on premiums, but one major accident could cripple your business.

🛡️ Fix it: Work with a trucking insurance expert (like Logrock!) to review your policy annually. We’ll make sure you’re properly covered without paying for anything you don’t need.

5. Not Shopping Around for Better Rates

Loyalty is great, but sticking with the same insurer year after year without checking for better options might mean you’re missing out on savings. Rates increase over time, and new discounts become available.

💡 Fix it: Get quotes from multiple providers before your renewal date. At Logrock, we help truckers compare options and find the best coverage for the best price across multiple providers — no guesswork, no hassle.

Ready to save? Check out How To Save Big On Coverage: Your Cheat Sheet From LogRock

Insurance doesn’t have to drain your profits. By avoiding these common mistakes and working with a team that understands the trucking industry inside and out, you can keep your coverage strong and your costs low.

Let Logrock help you find affordable, reliable coverage tailored to your business.