Founded
1973
Monthly Range
$600-1,800/mo
Coverage Types
5
Deductible
$1,000-5,000
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Our Review
OOIDA (Owner-Operator Independent Drivers Association) provides insurance programs exclusively for its members — independent owner-operators and small fleet owners. As a member-driven association, OOIDA negotiates group insurance rates that individual truckers could rarely access on their own. Their insurance programs cover occupational accident, physical damage, and non-trucking liability, with additional options for health, dental, and life insurance. The association's advocacy work on behalf of owner-operators means their insurance products are designed with the independent trucker's specific needs in mind.
Pros
- Group purchasing power delivers rates individual owner-operators can't negotiate alone
- Association-backed programs designed specifically for independent truckers' needs
- Transparent pricing with no hidden fees — association aligns with member interests
- Occupational accident coverage fills the gap for non-W2 independent contractors
- OOIDA membership includes additional benefits like fuel discounts, legal assistance, and advocacy
Cons
- Requires OOIDA membership ($45/year for new members) to access insurance programs
- Not a direct insurer — programs are administered through partner carriers
- Technology and self-service options are behind modern digital insurers
- Coverage options are more limited than a full-service commercial insurer
Our Verdict
OOIDA Insurance is the natural choice for independent owner-operators, especially those leased to carriers who need occupational accident coverage and physical damage at competitive rates. The $45 membership fee is a trivial investment considering the insurance savings and additional member benefits. OOIDA isn't a full-service insurer — you'll still need primary liability through a commercial carrier — but for the coverages they offer, the group pricing is consistently among the best available. The association's advocacy work is an added benefit: they're fighting for owner-operators at the regulatory level, which no insurance company can match.
Pricing & Premiums
Monthly Premium
$600-1,800/mo
Deductible Range
$1,000-5,000
OOIDA's group programs leverage the association's 150,000+ member base to negotiate competitive rates. Physical damage coverage through OOIDA's program is typically 10-20% below individual market rates for comparable coverage. Occupational accident coverage — critical for independent contractors who can't access workers' comp — starts around $90-150/month for standard coverage. Membership costs $45 for the first year and $55 for renewals. The insurance savings typically pay for membership many times over.
Coverage Types Available
- Occupational Accident
- Physical Damage
- Non-Trucking Liability
- Health Insurance
- Life Insurance
Coverage Options
- Occupational Accident
- Physical Damage
- Non-Trucking Liability
- Health Insurance
- Life Insurance
Feature Comparison
| 24/7 Claims | |
| In-House Claims | |
| Risk Management | |
| Safety Programs | |
| Online Portal | |
| Mobile App | |
| Flexible Payment | |
| Multi-Truck Discount |