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Truck insurance DIRECT to truckers.

Physical Damage & Non-Trucking Liability


Physical Damage

Physical damage insurance, sometimes referred to as collision coverage, pays to fix or replace damaged tractors and trailers. It covers your commercial vehicle 24/7, whether operating for personal or business use. We offer many coverage options to enhance your coverage.

Non-Trucking Liability

Non-Trucking liability insurance provides a permanently leased owner operator with a limited form of liability protection. Specifically it applies when a covered vehicle is operated solely for personal and non-economic purposes. Non-trucking liability truck insurance never applies when an owner operator pulls a loaded trailer, operates on behalf of a trucking company or uses a vehicle for any revenue generating purpose like trip leasing. These types of activities normally fall under the primary auto liability truck insurance provided by a trucking company.


Get A Fast, No-Hassle Commercial Truck Insurance Quote!


Fast and Easy

Getting you insured is fast and easy. Speak to one of our semi insurance agents today. Your insurance can be setup over the phone in just a few minutes.

Great Customer Service

When you call 1st Guard, you're greeted with a person, not a computer system. We take pride in knowing the semi truck insurance business – that's what we do.

What do truck drivers say about us?

Let our Google Reviews speak for themselves.

Roland Williams

"Very helpful, and quick response Everytime I called for any reason. I'm very satisfied with the service they provide. Thanks everyone."

Brian Rafferty

"Never had a better experience with any insurance carrier. First Guard is reliable, dependable, and reasonable."

Steve Wheeler

"Always have a great experience dealing with 1st Guard. Professional at all times, and the best value in truck insurance."


1st Guard has provided commercial truck insurance DIRECT to truckers and fleets for more than 80 years.

Many insurance companies want 6 months of premium to start a policy. At 1st Guard, we charge you monthly. Get trucking without having to spend a ton of cash.

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Semi Truck
Winter Road and Semi Truck


Our affordable truck insurance is the ideal choice for your needs.

Are you getting towing coverage? Probably not... 1st Guard covers the full cost of towing your vehicle to the nearest capable repair facility in the case of an accident where your vehicle is rendered inoperable due to a covered loss.

We offer instant access to all your documents online. We also offer flexible payment options, one deductible, monthly billing, and a referral program. You could earn $20 off of your next bill for every trucker you refer.

Learn About Towing

Fleet Program

Are you still managing your equipment and drivers over the phone or email? There is a better way to manage your fleet with our commercial insurance technology.

We offer custom solutions for fleets of any size. Fleet representatives ready to answer all of your questions. Get answers on equipment, drivers, coverage options, or online orders FAST.

Add or remove equipment and drivers inside an easy to use online interface. Change unit numbers and stated values instantly. Setup is simple! Don't settle for second-rate technology to manage your fleet!

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Blue Semi Truck

Our Insurance Products

Explore the 1st Guard Commercial Truck Insurance products.