If you want to cut insurance costs without sacrificing coverage, telematics insurance may be worth considering. The top telematics insurance companies for truckers reward safer driving with discounts while also giving truckers and fleet owners better visibility into driver behavior, vehicle use, and risk. We’ll compare our top seven options and explain how to choose the right program for your business.
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We analyzed dozens of trucking insurance providers nationwide, focusing on important factors like pricing transparency, coverage options, claim handling, financial strength, and customer satisfaction. We also studied real driver feedback and online reviews to understand how each insurer performs in the real world in terms of claims support, responsiveness, and ease of policy management.
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Best Telematics Insurance Companies for Truckers
Using a telematics program is a great way to get discounts on your policy and premiums by simply driving like you normally do.
Here are our seven recommended top telematics insurance companies for truckers:
Progressive
Best for: Small businesses that want instant savings plus fleet-tracking tools.
Progressive Commercial’s telematics option for commercial auto is Snapshot ProView®. It’s a plug-in device program that can help businesses earn an automatic minimum 5% discount while unlocking fleet insights like vehicle location and driver safety trends. It’s positioned as both a discount program and a lightweight fleet management add-on.
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 saving you 8%–20%
- Plug-in hardware provided to get started
- Fleet dashboard tools including vehicle tracking, geofencing alerts, trip reporting, and safety scorecards for businesses with three or more enrolled vehicles
- Monthly safety scorecard emails for businesses with one or two enrolled vehicles
Pros & Cons
Pros:
- Quick “sign up and save” structure with a built-in minimum enrollment discount
- 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)
- Businesses with only one or two enrolled vehicles won’t get the full dashboard
- Because pricing can be customized at renewal based on driving data, your long-term savings may vary by driver behavior
HDVI
Best for: Trucking fleets that want telematics-based insurance pricing with monthly safety-driven savings.
HDVI is one of the most trucking-specific telematics insurance options on the market. Instead of offering only a basic sign-up discount, HDVI uses real-time telematics data to help price risk and reward safer fleet performance over time. That makes it a strong fit for businesses that want insurance savings tied directly to safety outcomes.
Fleets can use connected driving data to monitor performance, coach drivers, and potentially lower premiums month by month.
Coverage Options
- HDVI Shift®
- Integrated fleet telematics and safety tools
Special Features
- Monthly premium discounts tied to safe driving performance
- Uses real-time telematics data to evaluate risk
- Fleet dashboards and safety benchmarking tools
- Driver coaching and risk-management visibility
- Built specifically for trucking fleets
Pros & Cons
Pros:
- Built specifically for commercial trucking fleets, not adapted from consumer auto insurance
- A monthly savings model means fleets can potentially reduce premiums faster than with renewal-only discount programs
- Strong operational value
Cons:
- May be more than a solo owner-operator needs if they just want a simple app-based program
- The value of the program depends heavily on actual driver behavior
Nirvana
Best for: Fleets that want telematics-based pricing plus safety intelligence tools.
Nirvana is a strong option for trucking businesses that want insurance built around real driving data. The company combines commercial trucking coverage with a safety intelligence platform that uses telematics and other trucking signals to assess risk, improve safety, and reward better performance.
What makes Nirvana stand out is its balance of insurance pricing and safety technology. The platform is designed to help fleets use their telematics data more strategically.
Coverage Options
- Commercial trucking insurance
- Telematics-connected safety intelligence platform
Special Features
- Potential upfront savings for safer fleets
- Telematics-based underwriting and risk evaluation
- Safety insights and coaching support
- Claims and loss-prevention focus
- Built around commercial trucking operations
Pros & Cons
Pros:
- Better aligned with fleet operations than most app-based consumer telematics programs
- Data-driven pricing
- Combines underwriting, safety insights, and risk management in one program
Cons:
- May be too advanced for some small operators
- The platform is strongest when fleets are already comfortable using telematics
Allstate
Best for: Small fleets with light-duty vehicles that want driver coaching.
Allstate’s telematics-style options are Drivewise® and Milewise®, but they’re primarily built around personal auto-style usage. For trucking companies, the best fit is Drivewise if you’re running a handful of vehicles and want behavior-based feedback such as on speed, braking, phone distraction, and time-of-day patterns.
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
- Tracks driving factors like braking, phone activity, and time of day, which is useful for reinforcing safety habits across drivers
- Includes a crash detection feature in the Allstate app
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 may not align with OTR schedules, as 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
Nationwide
Best for: Trucking companies insuring non-OTR support vehicles like pickups, vans, and supervisor units.
Nationwide’s telematics-style option is SmartRide®, a usage-based discount program that starts with an instant 10% sign-up discount and can earn drivers up to 40% for safe driving. It’s primarily app-driven: you enroll, activate the app, drive normally, and Nationwide applies the final discount at your next policy renewal. SmartRide scores driving based on four factors, miles driven, hard braking and acceleration, idle time, and nighttime driving.
For true long-haul operations, where night driving and heavy weekly mileage are normal, SmartRide’s scoring model may be a tougher fit.
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 four factors: miles driven, hard braking and acceleration, idle time, and nighttime driving
- No cost to participate, and Nationwide states SmartRide is a discount program that won’t raise your premium
- Program typically lasts about four to six months
- If you insure multiple vehicles on a Nationwide auto policy, vehicles can be enrolled in either SmartRide or SmartMiles at the same time
Pros & Cons
Pros:
- Great for support vehicles that rack up moderate miles and mostly daytime driving
- Clear savings potential of 10% at sign-up and up to 40% for safer driving
- Four-factor scoring gives drivers concrete habits to improve
Cons:
- Not built around long-haul realities
- Not a fleet management platform
- Best for “the rest of the business vehicles”
GEICO
Best for: Owner-operators and small trucking businesses that want a simple, phone-based safe-driving program.
GEICO’s telematics option is DriveEasy®, a safe-driving program built into the GEICO Mobile app. Once you’re set up and logged in, the app automatically records trips using your phone’s sensors and generates a safe-driving score based on how you drive. That score is then used to adjust your rate at renewal. Safe drivers can earn savings, while riskier drivers may see a higher rate depending on their state.
For trucking companies, DriveEasy is most useful when you’re trying to improve habits that can drive claims costs across your team.
Coverage Options
- DriveEasy® delivers a safe-driving score + potential savings through the GEICO Mobile app
Special Features
- Automatic trip logging once setup is complete
- Rate adjusts at renewal based on the DriveEasy score
- Trip correction tools if something was logged incorrectly
- Safety scoring categories can include phone distraction, braking and acceleration, cornering, smoothness, plus trip factors like time of day, distance driven, and route regularity
- Accident Assist can detect a hard brake and send a check-in notification, with options to help contact emergency services or get claims/tow support
- Currently offered in 47 states plus D.C. (not currently offered in CA, HI, or VT).
- All enrolled drivers on a policy need to participate
Pros & Cons
Pros:
- No plug-in device
- Scoring breakdown makes it easier to reinforce safer habits
- Being able to re-label a trip as “passenger” can prevent unfair dings
Cons:
- Rates can vary with participation and driving behavior, and riskier drivers may pay more depending on state
- No “work vs. personal” filtering
- Not fleet telematics
Farmers Insurance
Best for: Owner-operators and small trucking companies looking for simple, app-based driver coaching.
Farmers’ telematics-style program is Signal®, a smartphone app that monitors driving behavior like phone use while driving and braking habits, then uses that data to determine whether you can earn savings at policy renewal. Farmers also offers an initial discount for using the app, but it’s worth noting that Farmers states riskier driving behavior could raise your premium at renewal.
For trucking companies, Signal’s best “business benefit” is as a lightweight safety accountability tool for the vehicles and drivers you’re trying to coach.
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
- Riskier driving behavior could increase your renewal premium
- Drivers with a focused driving score of 80%+ can be entered for a chance to win rewards worth up to $100
- Automatic trip recording
- CrashAssist can send a verification prompt after a suspected crash and, if confirmed, help connect to emergency services
- Signal stops collecting data when your phone battery drops below 10%
Pros & Cons
Pros:
- Useful for safety coaching
- App-based, background trip tracking with no plug-in device required
- CrashAssist can add peace of mind for drivers on the road
Cons:
- Riskier driving can increase your premium at renewal
- No “business vs. personal” filtering
- Not fleet telematics
What is Telematics?
Telematics is the process of monitoring both the behavior and the habits of drivers while they are behind the wheel. It also monitors the vehicle’s performance.
What is Telematics Insurance?
Telematics insurance for truckers is a type of insurance policy that you can obtain through your insurance company. It is based around having in-vehicle tracking devices to monitor your driving habits.
How Does Telematics Insurance Work?
For trucking businesses, telematics insurance uses driving and vehicle data to help insurers measure real-world risk more accurately. Depending on the program, that data may come from a plug-in device, dashcam, mobile app, ELD, or your existing fleet telematics system. Insurers may track things like mileage, hard braking, speeding, idle time, time of day, route patterns, and distracted driving. They use that information to determine discounts, renewal pricing, and in some cases driver coaching opportunities. In general, safer driving habits can lead to lower insurance costs over time.
Usage-Based Programs
Telematics insurance and usage-based programs go hand in hand. They are both based on the behaviors and the habits of drivers on the road.
Pay-Per-Mile
Pay-per-mile is a type of usage-based insurance program that allows you to only pay for the distances that you drive and save money when you are not driving. So, if you spend an entire month driving your vehicle, you will pay more for that month, but if you spend the next month only driving once or twice per week, you will pay less for that month.
Pay-How-You-Drive
Pay-how-you-drive is just another term for a usage-based program. It will monitor your driving behaviors to determine your insurance prices.
How To Choose the Best Telematics Insurance Company
- Learn about the technology: Since telematics insurance involves the use of technology, it’s essential to check out the technology of the company you are considering. Ask the telematics service provider about their vehicle telematics devices. Find out if their app or device is user-friendly and if it provides accurate data.
- Look for discounts: Some companies offer discounts and incentives.
- Consider their customer service: The best commercial truck insurance companies have reliable and responsive customer service teams. Gauge their customer service by contacting them or reading customer reviews.
- Check the financial stability of the telematics service providers: Check with rating agencies before you make a decision.
FAQ
Which insurance companies are using telematics?
Almost every large auto insurance company offers some type of telematics option, though it may be branded under a unique name. Contact your insurer to learn about their program and how to enroll.
How do insurance companies use telematics?
Insurers collect data about your driving via a device installed in your vehicle. They use this information to determine discounts and reward safe driving behaviors with reduced rates.
Does telematics affect insurance?
Yes. Telematics can raise or lower your premiums depending on your driving habits and how frequently you drive.
Does telematics lower trucking insurance premiums?
It can. Many telematics programs reward safer driving with discounts, better renewal pricing, or monthly savings tied to driver performance. However, the amount you save depends on the insurer, the type of program, and how your drivers actually perform on the road.
What telematics devices do insurers accept?
That depends on the insurer. Some companies use plug-in devices, while others rely on smartphone apps, dashcams, ELD integrations, or existing fleet telematics systems. Before enrolling, confirm whether the insurer provides the device or requires a compatible platform you already use.
Is telematics required for trucking insurance?
No. Most trucking insurance policies do not require telematics, but insurers may offer it as an optional discount or safety program. In some cases, fleets with telematics may qualify for better pricing, stronger underwriting consideration, or added safety support.
How much can telematics reduce insurance costs?
Savings vary widely by insurer and program. Some telematics programs offer a small enrollment discount right away, while others can reduce premiums more significantly over time if your driving data shows safer habits. The biggest savings usually go to fleets and drivers with strong safety performance and consistent telematics participation.
