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Our Summary

This Lucky Truck Insurance review looks at the coverage options, regions served, and the reputation of the company. Lucky Truck is a specialty insurance provider that focuses on the needs of truckers and trucking companies. Their goal is to make the insurance process more straightforward from the moment you get a quote to downloading certificates of insurance.

Company Overview

Lucky Truck Insurance is based out of Cincinnati, Ohio. It was founded in 2019 and maintains less than 50 employees. It is an insurance company with a particular focus – those in the trucking industry. As an expert, it can simplify the process of getting insurance and help reduce the costs of policies. 

Geographic Representation

Lucky Truck doesn’t list which states it operates in. We’d expect it to serve the contiguous 48 states based on the trucking niche.

Lines of Coverage

Lucky Truck offers insurance products based on the most common needs of trucking companies.

The types of commercial insurance policies listed with Lucky Truck Insurance include:

  • Auto Liability: Pays claims from at-fault accidents leading to property damage or bodily injury 
  • Physical Damage: Pays to repair your truck if damaged in an accident or theft 
  • Motor Truck Cargo: Protects your shipments while under your care 
  • Workers’ Compensation: Pays medical bills and lost wages for employees hurt on the job

Top Industries Served

Lucky Truck serves a very specific niche – the trucking industry. As such, it can better serve this group that has historically found insurance to be confusing and stressful. If you work in another sector, Lucky Truck is likely not the insurance provider for you.

Premium Costs

Lucky Truck doesn’t advertise costs or premium pricing. Your rates will vary depending on the type of insurance you buy, your home base location, how much coverage you get, and the total number of miles put on the truck each year. Many claims on your profile will also cause rates to go up.

Underwriting Process

Lucky Truck uses online technology to ask the right questions to get you a quote quickly and efficiently. You’ll need your Department of Transportation (DOT) number to get a quote, so be sure to have that handy. Follow the prompts and enter the required information. A quote will be generated from that.

AM Best Ratings

AM Best is a third-party financial rating company that reviews the solvency of insurance companies. We searched for an AM Best rating for Lucky Truck but could not find one. This suggests that the company is not yet big enough to warrant an AM Best rating. 

Complaint Index

The National Association of Insurance Commissioners (NAIC) keeps track of insurance carriers’ annual number of complaints. They use a complaint index to show if a company has more or less complaints than expected for its size. Lucky Truck doesn’t show up on the NAIC report suggesting that the company has policies underwritten by a third-party provider. 


Lucky Truck is accredited with the Better Business Bureau. It maintains an A+ rating with the firm. While there are no customer reviews on the BBB site, there is one cited customer complaint. This complaint states that the policyholder had a problem with their bill and could not get anyone on the phone to assist them. They found the company unresponsive, leading to frustration.

Concluding Thoughts

Lucky Truck is a specialty insurer that aims to help those in the trucking industry get the right insurance for the best price. They do an excellent job of educating new truckers on the needs of the industry and what will help them remain compliant. Their online system makes it easy to get a quote and find insurance quickly. 

Learn more about Lucky Truck Insurance 

Methodology employs its own independent research to come up with the details for reviews. We do this so that you can have as many insights as possible about a company so that you can make the best decision for your commercial insurance. We take into consideration the company’s history and where they serve. We want to highlight the appetite that a company has as this suggests where business owners can get the most competitive rates. Where possible, we include premium data. From there, we take into account formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation. 

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Fast response, ideal solution. Everyone I dealt with was courteous and professional and more than qualified to help me find the right insurance coverage for my company. I would absolutely recommend them to anyone needing commercial insurance.
Five Star Rating
Jared Stromberg
Aeos Solar, LLC
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One call and I had a policy within hours! Very affordable and responsive A+!
Five Star Rating
Mark Sullivan
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They were spot on with their help to secure the insurance that was best for me. I was guided to the correct plan with the best price. I would certainly go back!
Five Star Rating
David Blackwell