How Small Carriers Can Cut $18K–$30K Insurance Costs

Insurance is one of the biggest expenses for small carriers and new trucking authorities in 2025, sometimes $18,000 to $30,000 a year. In this episode of This Week in Trucking, we sit down with insurance expert Matt Planeta, VP at Heffernan Insurance Brokers, to break down how premiums are set and what you can actually do to lower them.

We cover:

- The real cost of trucking insurance in 2025 for new authorities and small fleets
- Why some carriers pay $15K a year while others pay over $30K
- The biggest factors that raise premiums (CSA scores, driver records, equipment type, and cargo)
- How to negotiate at renewal and avoid surprise spikes
- Why working with a trucking-focused insurance broker matters
- Long-term strategies for keeping insurance affordable while staying compliant

If you’re a small carrier, owner-operator, or just starting your own authority, this episode will give you practical steps to cut costs, protect your business, and improve profitability.

Heffernan Insurance Brokers https://www.heffins.com/

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Видео How Small Carriers Can Cut $18K–$30K Insurance Costs канала This Week in Trucking