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Founded
1973
Monthly Range
$600-1,800/mo
Coverage Types
5
Deductible
$1,000-5,000
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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.
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.
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.
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| Multi-Truck Discount |
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