Insurance for an 18 year old

Discussion in 'Ask An Owner Operator' started by Tormentor, Feb 20, 2022.

  1. D.Tibbitt

    D.Tibbitt Road Train Member

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    Gettin' down westbound
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    Go on progressive website and get a quote. U can do it 100% online
     
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  3. danny23tx

    danny23tx Road Train Member

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    Austin,Tx
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    Good luck , I think you may be shocked at the price . Me personally think a little more life experience is needed for a adventure like this . If you can actually find someone to insure you than good luck .
     
  4. GYPSY65

    GYPSY65 Road Train Member

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    SW FLA
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    I think that 2013 might be a bigger issue as far as operating expenses go
    Some earlier trucks had a lot of def issues and seems I heard that 2012-13 years were some of the worst but not 100% on that as it’s second hand info
     
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  5. Brettj3876

    Brettj3876 Road Train Member

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    Land of local
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    Astronomical numbers. Pants ####ting territory
     
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  6. Chinatown

    Chinatown Road Train Member

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    Henderson, NV & Orient
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  7. Tropsnart

    Tropsnart Road Train Member

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    Pavilion New York
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    Why would an 18 year old want to get into otr trucking?
     
  8. GYPSY65

    GYPSY65 Road Train Member

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    SW FLA
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    My guess it’s gonna be that person who either have dad and uncles etc in the biz or that person who just doesn’t want to work at some local business or restaurant type

    Not everyone fits in or likes to be where it’s just routine
     
  9. Chinatown

    Chinatown Road Train Member

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    Some people are more adventurous than those that prefer to stay in the basement isolated from the terrors and challenges of the real world.
     
  10. Ridgeline

    Ridgeline Road Train Member

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    Michigan
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    Yep and no one at the fmcsa said that the insurance companies had to insure 18 year olds.

    What I was told this will just force rates up for everyone because the higher risks by the actuary tables.
     
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  11. JoeyJunk

    JoeyJunk Road Train Member

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    Not being a jerk at all as I’m glad to see a young person attracted to this industry….but your e-commerce experience really isn’t a huge advantage for you. Trucking is brutal. Nothing but trucking experience will prepare you for the BS that comes with this. I appreciate your confidence but with that comes disappointment.

    As said here, your insurance even if you can get any will be absurdly expensive. I just got started in November. 40 years old with almost 20 years experience and I’m still paying over 17K. Quotes as high as 34K. Progressive was the only one that I could go with.

    Your truck year choice is also bad. This is where that experience with trucks comes in. Sometimes it’s hard to find information on a site this big but there are numerous threads and posts on that model year and others around that time.

    Reading and studying is great but nothing compares to real world experience. Trust everyone posting here as we all have found this out, some of us the hard way including myself.

    Best of luck to you.
     
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