Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 11, 2021

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Key takeaways...

  • 1st Guard Insurance Company provides a variety of coverage for the trucking industry
  • Unfortunately, it does not sell personal types of car insurance so you will have to look elsewhere for that
  • 1st Guard Insurance works on keeping premiums low by writing business directly, rather than using brokers and agents

This 1st Guard Car Insurance Review will discuss the company that offers insurance coverage for truckers while on the road. They advertise “trucker insurance done right” and “direct to truckers.”

It started as the First Guard Corporation in 1937 in Detroit, MichiganIn 1997 the company became First Guard Insurance Company.

1st Guard Insurance Company provides a variety of coverage for the trucking industry. Unfortunately, it does not sell personal types of car insurance so you will have to look elsewhere for that.

If you would like to search now for car insurance, just enter your zip code below and you can compare car insurance quotes for a variety of companies in your area!

What Coverage Does 1st Guard Insurance Offer?

At this time, 1st Guard offers two major types of trucker insurance:

  • Physical damage: This is the trucking equivalent of collision coverage. If you’re in a collision or other accident, this coverage would pay to repair your truck and get it back on the road. 1st Guard covers trucking company vehicles when they’re operated for both personal and commercial uses.
  • Non-trucking liability truck insurance: Non-trucking liability truck insurance is liability protection in the event that the drier injures another driver or party. Unlike the physical damage coverage, this is only for personal use. If truckers are working on behalf of a company or pulling a loaded trailer, they would need to be covered by the auto liability truck insurance.

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What Else Should You Know about 1st Guard?

1st Guard Insurance Company is dedicated to innovation as well as customer service. It did a survey of policyholders which showed that 99 percent of the people surveyed were satisfied with the claims service.

1st Guard also prides itself that a real person answers the phone during business hours, as opposed to an automated system like many car insurance companies.

First Guard Insurance works on keeping premiums low.

One of the ways this is accomplished is that all business is written directly, rather than using brokers and agents. This helps the company keep a very low-cost structure, one of the lowest in the insurance business industry.

Although First Guard may be great for truckers, it doesn’t help someone find car insurance.

A quick and easy way to find insurance is to enter your zip code now and you can compare car insurance quotes here!