New ATRI Research Analyzes Motor Carrier Responses to Rising Insurance Costs

WASHINGTON, May 19, 2026 /PRNewswire/ -- The American Transportation Research Institute (ATRI) today released new research detailing the rising costs of commercial auto liability insurance in the trucking industry and the risk management strategies that motor carriers use to mitigate these costs.

From 2021 to 2024, liability insurance premium costs rose by 18.6 percent to 10.2 cents per mile – outpacing consumer inflation by 5.4 percentage points – at the same time that heavy-duty truck-involved crash rates fell by 2.6 percent industry-wide. The research confirms that a sharp rise in crash claims expenses fueled this rise in insurance costs: among respondents, per-mile liability losses rose by an average of 33.1 percent over the same period.

Premium costs for excess coverage in particular rose at an even higher rate. From 2021 to 2024, per-mile premium costs for the $5-10 million insurance layer rose by 34 percent to 1.58 cents, and per-mile premium costs for the $10-15 million layer rose by 45 percent to 1.05 cents. These increases in excess coverage expenses point to the role of rampant litigation in inflating claims costs.

Several risk management approaches did yield positive outcomes during this period, however. Fleets with more retained risk in their primary coverage layer experienced lower combined liability losses and premium costs during this period, regardless of size. Furthermore, fleets that reduced total purchased coverage experienced an average reduction of 2.4 percent in combined liability losses and premium costs in the subsequent year when adjusted for inflation. These outcomes can be attributed to a combination of premium reductions and aggressive implementation of safety strategies by fleets. For example, the deployment of six safety technologies had a statistically significant correlation with lower per-mile liability losses.

The report includes a variety of additional benchmarks for fleets to evaluate trends and assess their own risk management approach, such as coverage limits, percent of revenue spent on insurance, and deductible or self-insurance levels by fleet size.

"ATRI's report gives us invaluable visibility on the changing liability insurance landscape and how fleets are navigating it," said Lynette Woodie, ArcBest Manager of Loss Prevention and Administration. "Good fleets don't just react passively to rate increases each year: they take the initiative by analyzing data and working closely with their insurers to craft a holistic risk management plan that improves safety and reduces costs."

The full report is available on ATRI's website here.

ATRI is the trucking industry's 501c3 not-for-profit research organization. It is engaged in critical research relating to freight transportation's essential role in maintaining a safe, secure and efficient transportation system.

SOURCE American Transportation Research Institute