Top Telematics Insurance Companies for Truckers

Coverage Options:

• Snapshot ProView®
• Smart Haul (similar option for truckers using ELDs)

Special Features:

• At least 5% off your premium upon enrollment
• New customers reported average savings of 9% with Snapshot ProView
• Personalized rates at renewal based on driving patterns (potentially 8%–20% at renewal)
• Plug-in hardware provided to get started
• Fleet dashboard tools for businesses with 3+ enrolled vehicles (vehicle tracking, geofencing alerts, trip reporting, and safety scorecards)
• For 1–2 enrolled vehicles: monthly safety scorecard emails (discount still applies)

Pros & Cons:

Pros:

• Quick “sign up and save” structure with a built-in minimum enrollment discount.
• Helpful operational tools for multi-vehicle businesses, including location updates and route summaries.
• Ongoing coaching support via safety scorecards and improvement tips.

Cons:

• Not available for trucks that use an Electronic Logging Device (ELD) (those businesses are directed to Smart Haul instead).
• Businesses with only 1–2 enrolled vehicles won’t get the full dashboard—just the monthly scorecard emails.
• Because pricing can be customized at renewal based on driving data, your long-term savings may vary by driver behavior.

Coverage Options:

• Drivewise® (safe-driving tool in the Allstate mobile app)
• Milewise® (pay-as-you-go / pay-per-mile auto insurance that uses a plug-in device to track miles)

Special Features:

• Drivewise: Can provide a more personalized rate based on driving, plus a discount for enrolling/participating (discount availability varies by state).
• Drivewise: Tracks driving factors like braking, phone activity, and time of day—useful for reinforcing safety habits across drivers.
• Drivewise: Includes a crash detection feature in the Allstate app (smartphone-based).

Pros & Cons:

Pros:

• Drivewise can support safety programs with clear behavior feedback—helpful if you’re trying to reduce risky habits like hard braking or phone distraction.
• Milewise can be cost-efficient for vehicles that rarely move (yard trucks, spare units, seasonal/local vehicles), since pricing is tied to miles in the pay-per-mile option.
• Both programs surface insights through the Allstate mobile app, so drivers/managers can keep an eye on trends.

Cons:

• Not purpose-built for trucking fleets: Drivewise is phone-based and designed around individual trip tracking—so it’s typically less “fleet ops” friendly than dedicated commercial telematics platforms.
• Drivewise may not align with OTR schedules: late-night driving can be a factor in scoring, and in some states pricing can be impacted by higher-risk driving behavior.
• Milewise usually isn’t a match for high-mileage trucks: pay-per-mile pricing is generally toughest to justify when vehicles run heavy miles week after week.

Coverage Options:

• SmartRide® (safe-driving discount program)
• SmartMiles® (pay-per-mile program for low-mileage vehicles)

Special Features:

• Up to 40% discount for safe driving, plus an instant 10% sign-up discount.
• Primarily app-based enrollment and tracking; your estimated discount updates during the program and the final discount applies at renewal.
• Measures 4 factors: miles driven, hard braking & acceleration, idle time, and nighttime driving (midnight–5 a.m.).
• No cost to participate, and Nationwide states SmartRide is a discount program (not designed to raise your premium).
• Program typically lasts about 4–6 months.
• If you insure multiple vehicles on a Nationwide auto policy, vehicles can be enrolled in either SmartRide or SmartMiles (where eligible) at the same time.

Pros & Cons:

Pros:

• Truck-ops friendly use case: Great for support vehicles that rack up moderate miles and mostly daytime driving (yard/maintenance/supervisor vehicles).
• Clear, published savings potential: 10% at sign-up and up to 40% for safer driving gives you a straightforward “what’s possible” story for drivers.
• Safety accountability: The four-factor scoring gives drivers concrete habits to improve (braking/acceleration, idling, etc.).

Cons:

• Not built around long-haul realities: High mileage and frequent overnight driving (midnight–5 a.m.) are common in trucking and are explicitly part of the scoring model.
• Not a fleet management platform: SmartRide is focused on discount + feedback, not dispatch-level telematics features (routing, geofencing, trailer tracking, ELD integration).
• Best for “the rest of the business vehicles”: If your core operation is OTR trucking, you’ll usually get more operational value from commercial-first telematics programs.

Coverage Options:

• DriveEasy® (safe-driving score + potential savings through the GEICO Mobile app)

Special Features:

• Automatic trip logging once setup is complete (no need to open the app every drive).
• Rate adjusts at renewal based on the DriveEasy score for you and other participating drivers on the policy.
• Trip correction tools: you can update your role (driver vs. passenger, or non-vehicle trips like bus/bike) if something was logged incorrectly.
• Safety scoring categories can include phone distraction, braking & acceleration, cornering, smoothness, plus trip factors like time of day, distance driven, and route regularity (varies by state/program).
• Accident Assist: the app can detect a hard brake and send a check-in notification, with options to help contact emergency services or get claims/tow support.
• Availability: currently offered in 47 states plus D.C. (not currently offered in CA, HI, or VT).
• Participation rule: all enrolled drivers on a policy need to participate (enrollment requirements vary by state and are shown during the quote).

Pros & Cons:

Pros:

• Low lift: no plug-in device—just the app—so it’s easy to roll out to a small team quickly.
• Driver coaching angle: the scoring breakdown makes it easier to reinforce safer habits (especially around phone distraction).
• Fixes for mis-logged trips: being able to re-label a trip as “passenger” can prevent unfair dings when someone else uses the phone.

Cons:

• Possible rate increases: GEICO notes rates can vary with participation and driving behavior, and riskier drivers may pay more depending on state.
• No “work vs. personal” filtering: all trips are logged, which may not fit every trucking operation’s policies.
• Not fleet telematics: DriveEasy is about driving behavior + pricing, not dispatch/fleet tools like geofencing, route optimization, trailer tracking, or ELD integration.

Coverage Options:

• Signal® (smartphone-based driving behavior monitoring)
• Signal® with CrashAssist (optional feature; availability varies by policy)

Special Features:

• Initial discount for using the Signal app, with a renewal discount possible based on safe driving.
• Pricing note: Farmers states riskier driving behavior could increase your renewal premium.
• Monthly rewards drawings: drivers with a focused driving score of 80%+ can be entered for a chance to win rewards worth up to $100.
• Automatic trip recording: no need to start/stop or keep the app open; it runs in the background.
• CrashAssist: can send a verification prompt after a suspected crash and, if confirmed, help connect to emergency services; can also help with towing/claims support (where available).
• Battery protection: Signal stops collecting data when your phone battery drops below 10%.

Pros & Cons:

Pros:

• Useful for safety coaching: a clear way to reduce distracted-driving risk (phone use) and harsh braking patterns over time.
• Low lift to deploy: app-based, background trip tracking—no plug-in device required.
• Crash response support: CrashAssist can add peace of mind for drivers on the road (where available).

Cons:

• Potential for higher renewal premium: Farmers explicitly notes that riskier driving can increase your premium at renewal.
• No “business vs. personal” filtering: Farmers states the app can’t differentiate trip purpose; to prevent business trips from recording, a driver would need to log out.
• Not fleet telematics: no dispatch-facing tools like geofencing, route optimization, trailer tracking, or ELD integration.