When you’re an owner-operator or leased driver, having the right bobtail insurance isn’t just a safety net — it’s a business essential. Whether you’re hauling empty after a delivery or heading home without a load, you need coverage that protects you when you’re not under dispatch. But with rising costs in 2025, finding the best bobtail insurance quotes requires more than just clicking the first link you see.

At Stone Era Insurance, we’ve helped countless truckers find competitive rates without sacrificing coverage. Here’s a straightforward guide to help you navigate the process this year.

1. Understand What Bobtail Insurance Covers

Bobtail insurance protects you when your truck is being operated without a trailer or cargo — typically after a delivery or between jobs. It’s different from non-trucking liability coverage, and knowing the difference is key to getting an accurate quote.

2. Compare Multiple Quotes (Not Just One)

One of the biggest mistakes drivers make is stopping after the first price they see. Different insurance companies assess risk differently, which means your rate can vary widely.

At Stone Era Insurance, we work with multiple carriers to present you with bobtail insurance quotes side-by-side, so you can see who’s giving you the best deal.

3. Know the Factors That Affect Your Rate

Your bobtail insurance cost isn’t set in stone. Rates are influenced by:

• Driving history and accident record

• Years of CDL experience

• Truck make, model, and year

• Coverage limits and deductibles

• State regulations and risk profile

If you’re aware of these factors, you can make adjustments to potentially lower your premium.

4. Bundle and Save Where Possible

If you already have primary liability, cargo, or physical damage coverage, ask about bundling them with your bobtail policy. This often leads to discounts and a simpler billing process.

5. Work With an Agent Who Knows the Industry

Bobtail insurance isn’t a one-size-fits-all product. Partnering with a trucking-specialized agent ensures you get tailored advice and coverage that actually fits your operations.

That’s where Stone Era Insurance comes in — we understand the trucking industry, and we fight to get you coverage that’s both affordable and reliable.

Ready to Get Your Quote?

Finding the best bobtail insurance rates in 2025 is all about knowing where to look, what to ask, and who to trust.

✅ Start your free bobtail insurance quote with Stone Era Insurance today — it only takes a few minutes, and you could save hundreds this year.