The Truth About Dash Cams: Will a Dash Cam Lower Insurance?

As a truck driver, you know that insurance is an important part of your business. It’s essential to have the right coverage to protect yourself, your cargo, and your livelihood in the event of an accident. And as insurance rates continue to rise, you may be wondering if there’s anything you can do to lower your premiums. One question that comes up frequently among truckers is, will a dash cam lower my insurance? In this article, we’ll explore the truth about trucking insurance and how a dash cam can help.

What is Trucking Insurance?

Commercial trucking insurance is a type of coverage designed specifically for trucking businesses. It provides protection for the truck, the driver, and the cargo being transported. This type of insurance is required by law and is essential for any trucking business.

Trucking insurance typically includes several types of coverage, including liability, collision, and cargo insurance. Liability insurance covers damages or injuries to other people or property in the event of an accident. Collision insurance covers damages to the truck in the event of an accident. Cargo insurance covers the value of the cargo being transported in the event of damage or loss.

Why Are Trucking Insurance Rates So High?

Trucking insurance rates have been rising in recent years due to several factors, including increased accident rates, higher jury awards, and rising medical costs. In addition, insurance companies have been facing more lawsuits and claims related to accidents involving commercial trucks. As a result, they have had to raise rates to keep up with the increased costs.

Does a Dash Cam Reduce Your Insurance?

While some insurance companies do offer discounts for drivers with dash cams, not all do. However, having a dash cam can provide valuable evidence in the event of an accident, which can help insurance companies determine fault and settle claims more quickly. This can result in lower costs for insurance companies, which may pass those savings on to policyholders in the form of discounts.

Should I Tell My Insurance I Have a Dash Cam?

If you have a dash cam, it’s important to let your insurance company know. While not all insurance companies offer discounts for dash cams, some may require that you have one installed in order to qualify for certain discounts or coverage options. Additionally, letting your insurance company know that you have a dash cam can help speed up the claims process in the event of an accident. It’s always best to be upfront and honest with your insurance company to ensure that you have the right coverage for your needs.

How Much Does a Dash Cam Take Off Insurance?

Discounts for dash cams can range from 5% to 15% off your premiums, depending on the insurance company and the type of coverage you have. While this may not seem like a lot, over time it can add up to significant savings.

What are the Disadvantages of Dash Cams?

While there are many benefits to using a dash cam, there are also some potential disadvantages to consider. One disadvantage is the cost of purchasing and installing a dash cam. Depending on the type of dash cam you choose, you could be looking at several hundred dollars or more. In addition, some dash cams may require professional installation, which can add to the cost.

Another disadvantage is the possibility of the dash cam malfunctioning or not recording important footage. It’s important to regularly check and maintain your dash cam to ensure that it’s functioning properly. Additionally, some insurance companies may require that the footage be of a certain quality or that the dash cam record both the front and rear of the truck, which can limit your options for choosing a dash cam.

Finally, there is the potential for privacy concerns with dash cams. While dash cams are legal in most states, there are some situations where they may not be allowed, such as in areas with strict privacy laws or in situations where there are no clear signs indicating that recording is taking place. It’s important to understand the laws in your state and to use your dash cam responsibly.

Using Dash Cams to Improve Driving Habits

In addition to potentially lowering your insurance premiums, dash cams can also be used to improve your driving habits. By reviewing footage from your dash cam, you can identify areas where you may need to improve your driving skills. For example, you may notice that you tend to follow other vehicles too closely or that you don’t use your turn signal consistently. By addressing these issues, you can become a safer driver and reduce your risk of accidents.

Choosing the Right Dash Cam for Your Truck

If you’re considering purchasing a dash cam for your truck, there are several factors to consider. First, you’ll want to choose a dash cam with high-quality video recording capabilities. Look for a dash cam that records in high definition and has a wide-angle lens to capture as much of the road as possible.

You’ll also want to choose a dash cam with built-in GPS. GPS can be useful in the event of an accident to help determine the location and speed of your truck at the time of the accident.

Durability is also an important consideration when choosing a dash cam for your truck. Look for a dash cam that is designed to withstand the harsh conditions of the road, including extreme temperatures, vibrations, and bumps.

Finally, you’ll want to choose a dash cam that is easy to install and operate. Some dash cams may require professional installation, while others can be easily installed by the driver.

Can you get a lower insurance rate if you get a dash camera?

Dash cameras can potentially have a positive impact on your insurance rates. By providing video evidence of accidents or other incidents, dash cams can help determine liability and expedite claims processing. This added layer of protection may be viewed favorably by insurance companies, leading to potential discounts or lower premiums. However, it’s important to note that not all insurance providers offer explicit discounts for dash cameras. It’s advisable to check with your insurance company to understand their specific policies regarding dash cam usage and potential rate reductions.

Should I tell insurance about dash cam?

While it is not mandatory to inform your insurance company about the presence of a dash camera, it is generally recommended to disclose this information. Being transparent with your insurance provider demonstrates your commitment to safety and responsible driving. Moreover, informing your insurer about the dash cam may help you understand if they offer any specific benefits or discounts associated with its usage. Clear communication with your insurance company is crucial to ensure that you receive the full benefits and coverage you deserve.

What is the downside of dash cams?

Despite their numerous advantages, dash cameras also have a few downsides that should be considered. First, some people may feel uncomfortable with the constant recording of their driving activities, as it can raise privacy concerns. Additionally, dash cameras may require regular maintenance and can be susceptible to theft or damage if not properly installed or secured. Lastly, depending on the model and features, dash cameras can be relatively expensive, especially for high-quality units with advanced functionalities. These factors should be taken into account before investing in a dash camera.

Does a dash cam classify as a modification?

In general, a dash camera does not qualify as a modification in the traditional sense. Modifications typically refer to alterations made to a vehicle’s performance, appearance, or functionality that may impact its safety or value. Dash cameras are considered aftermarket accessories and are not typically classified as modifications. However, it’s important to review the specific guidelines and definitions provided by your insurance company to ensure accurate classification.

Will my insurance go up if I do DoorDash?

Engaging in delivery services like DoorDash, Uber Eats, or similar platforms may impact your insurance rates. Since these activities involve additional time on the road and increased exposure to risks, some insurance providers may charge higher premiums to cover the potential liabilities associated with commercial usage. It’s crucial to inform your insurance company about your DoorDash activities to ensure appropriate coverage and avoid any potential gaps in your policy.

What are the pros and cons of having a dash cam?


  • Provides video evidence in case of accidents, helping to determine liability and streamline claims processes.
  • May potentially lead to lower insurance rates or discounts from certain insurance providers.
  • Enhances personal safety and acts as a deterrent against fraudulent claims or aggressive behavior from other drivers.
  • Can capture interesting or unexpected events on the road, serving as a source of entertainment or viral content.
  • Offers peace of mind while driving, knowing that incidents can be recorded and reviewed if necessary.

In Conclusion

In conclusion, while a dash cam may not guarantee lower insurance premiums, it can provide valuable evidence in the event of an accident, which can help protect you from false claims or accusations. It can also help improve your driving habits and become a safer driver. If you’re considering purchasing a dash cam, be sure to choose one with high-quality video recording capabilities, built-in GPS, durability, and ease of installation and operation.

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