Do Semi Truck Grille Guards Affect Insurance Premiums?

Many aspects of the trucking industry are focused on controlling and reducing costs to maximize profitability and a key cost for trucking companies is insurance coverage. Trucking and freight companies are required to have several types of insurance coverage — auto liability, primary liability, uninsured motorist, cargo insurance, non-trucking liability, physical damage, and more. The need for extensive insurance coverage means that many companies are looking for ways to lower their insurance premiums, and many want to know — do semi truck grille guards affect insurance premiums? We are here to help answer your questions at RIGGUARD!

Will Grille Guards Lower Insurance Premiums?

Improved safety and lower costs are the goal for many trucking and freight companies. We know that semi truck grille guards protect drivers and equipment from traffic collisions and animal strikes. It is one of the primary benefits of grille guards — but do grille guards lower insurance premiums?

Yes — semi truck grille guards are a safety feature that CAN lower insurance premiums. Grille guards protect your truck from more significant damage in the event of a collision and can lead to lower repair costs, less downtime, and reduced costs. The question of whether or not a grille guard will lower your insurance premiums rests with your insurance provider and their policies. Many insurance companies offer discounts and lower premiums with the installation of a grille guard — but it all depends on your provider. 

Insurance companies like 1st Guard provide physical damage insurance for semi tractors and trailers and add a No Deductible Program for trucks equipped with approved grille guards. With this program and similar programs employed by insurance companies, drivers and trucking companies that invest in a grille guard do not pay a deductible when an animal collision is reported. Programs like this will vary based on the insurance company.

What Can Affect Grille Guards and Insurance Costs?

When you purchase a grille guard for your truck, there are several factors that will affect how it may impact your insurance premiums — quality, driving history, and state regulations. The design and quality of the grille guard may determine if it lowers your insurance premiums and by how much. Many insurance providers may have a list of approved manufacturers.

Your driving history and risk are key factors in the cost of your insurance premiums. A grille guard may impact your safety on the road — but insurance rates are based on risk and the added safety provided by a grille guard may not offset the potential risk. State regulations for grille guards and trucking insurance are an added factor that needs to be considered. Are grille guards legal in your state? Are there specific laws about grille guards and insurance coverage in your state? Check with your insurance company to find out how a grille guard will affect your insurance costs.

READ MORE: Do Grille Guards Affect Aerodynamics and Fuel Economy?

Are you looking for ways to keep drivers safe and reduce insurance costs? You may want to know — do semi truck grille guards affect insurance premiums? We may be able to answer some of your questions here at RIGGUARD. 

Contact RIGGUARD today for more information on our products!