Why new CDL drivers struggle to get insured, and how to get past it

Updated October 2026

Many new CDL holders find that carriers want one or two years of experience before they'll hire them, and that buying their own truck right away means very high insurance prices. A big reason is insurance: insurers see newer drivers as higher risk.

How new drivers build experience

Start with a carrier that hires new drivers. Many large carriers and some regional fleets train and hire recent graduates, especially through company-sponsored programs. Keep a spotless record. Your first year of clean driving makes every future insurance quote cheaper. Get good training. Solid ELDT training and more behind-the-wheel practice can make you a stronger hire.

Before buying your own truck

Most owner-operators do better after a year or two of driving for someone else. You learn the business, build a record, and qualify for better insurance and financing prices.

Try it: Truck insurance coverage checker

Educational information only, not insurance advice. Talk with a licensed agent about your coverage.