Bundling Auto Insurance Policies: Is It Worth It for Truckers?

Many truckers and fleet owners ask if bundling their insurance policies can save them money. The answer isn’t one-size-fits-all. At Logrock, we specialize in commercial trucking insurance and help truckers decide if bundling policies is the right move for their business.

Below, we answer the most common questions truckers have about bundling insurance.

❓ What Does It Mean to Bundle Insurance Policies?

Bundling insurance policies means purchasing multiple types of coverage (like liability, cargo, physical damage, and even non-trucking liability) from the same insurance carrier.

The main benefit is usually cost savings. Many carriers offer discounts—sometimes 5-15%—when you place all your coverages with them.

❓ How Much Can Truckers Really Save by Bundling?

The savings can vary, but most carriers will reward bundled policies with lower premiums. According to a 2024 survey by the National Association of Insurance Commissioners (NAIC), businesses that bundle commercial auto and cargo insurance save an average of 10-12% annually.

(Source: NAIC, 2024)

❓ What Types of Insurance Can Be Bundled?

Truckers can typically bundle:

• Primary Liability Coverage
• Physical Damage Coverage
• Motor Truck Cargo Coverage
• Non-Trucking Liability (Bobtail Insurance)
• General Liability Insurance

When bundled together, these coverages are billed under one policy package—simplifying billing and claims management.

❓ Are There Drawbacks to Bundling?

Yes. While bundling can lower costs, it’s not always the best choice. Some carriers may excel at liability but be less competitive on cargo coverage.

“Bundling is like hauling a full load—you need to make sure every part of it makes sense for your route,” says Chad Boblett, founder of the Rate Per Mile Masters group for truckers. (Source: Boblett, 2023)

If one type of coverage isn’t competitively priced, it may be better to place policies with multiple carriers.

❓ When Does Bundling Make the Most Sense for Truckers?

Bundling can be especially valuable if:

• You’re an owner-operator looking for simplicity and cost savings.
• You operate a small fleet and want streamlined policy management.
• You work with an insurance specialist (like Logrock) who can compare carriers for you.

❓ How Do I Know if Bundling Is Right for My Trucking Business?

The best way is to compare trucking insurance quotes both bundled and unbundled. At Logrock, we can run these comparisons for you. This way, you’ll know exactly how much you could save and if bundling fits your business.

Ready to See If Bundling Can Save You Money?

👉 Click here to get your free trucking insurance quote from Logrock and we’ll show you side-by-side options—bundled and unbundled—so you can make the best decision for you!

Cited Sources

• National Association of Insurance Commissioners (NAIC). “Commercial Auto and Cargo Bundling Study.” 2024. https://www.naic.org
• Boblett, Chad. Rate Per Mile Masters (Trucking Industry Group). 2023.