2026 Insurance Rate Trends for Oilfield Crude, Saltwater & Sand Haulers

Oilfield trucking companies, especially those hauling crude, saltwater, chemicals, and frac sand, are seeing noticeable shifts in the 2026 insurance market. Many fleets are reviewing their Oil & Gas Trucking Insurance options as carriers adjust pricing based on risk, claims, and operating conditions.

Below is a breakdown of what haulers can expect in 2026

1. Commercial Auto Insurance (Most Impacted)

Commercial Auto continues to be the most expensive line for oilfield fleets due to accident severity, rising repair costs, and busy oilfield traffic.

2026 rate trend (general):

• +5% to +15% increases for most fleets

• Fleets with recent claims may see +15% to +25%

• Fleets with clean records may stay flat to +5%

Using dash cams, telematics, and better driver selection can help offset some increases.

2. Pollution Liability (Higher for Crude, Saltwater & Chemicals)

Pollution Liability, especially for crude and produced‑water haulers, remains one of the fastest‑rising insurance lines.

2026 rate trend:

• +8% to +18% for hazardous liquids

• Chemical transporters typically on the higher end

• Frac sand haulers generally see minimal impact

Carriers are rewarding companies with strong spill‑prevention procedures and well‑maintained hoses, valves, and tanks.

3. Workers’ Compensation (Stable to Slight Increase)

WC rates vary depending on safety programs and injury history. Oilfield trucking has higher strain, slip, and fall exposure.

2026 rate trend:

• 0% to +6% for most fleets

• Companies with recent injuries may see higher adjustments

Training, PPE compliance, and ergonomics improvements can help reduce WC premiums.

4. General Liability & Umbrella (Contract‑Driven)

Many oil & gas operators (especially majors) are tightening contract requirements:

• Higher umbrella limits

• Additional insured endorsements

• Proof of safety programs

• Updated COIs before issuing gate passes

Rate movement is moderate, usually +3% to +8%, but contract requirements, not pricing, are the main challenge.

Lower Your 2026 Premiums With Wexford Insurance

Wexford Insurance specialises in oilfield trucking coverage, helping crude, saltwater, chemical, and frac sand haulers secure the right mix of:

• Commercial Auto

• Pollution Liability

• Workers’ Compensation

• General Liability

• Umbrella/Excess

👉 Request your oilfield trucking insurance quote from Wexford Insurance today and get a program designed for the realities of the oilfield.

Frequently Asked Questions

1. How Do You Start an Oilfield Trucking Business in 2026?

2. How Can Oilfield Trucking Companies Win More Contracts With Operators & Service Companies?

3. How Much Do Oilfield Truck Drivers Make in 2026?