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Comprehensive Guide to Commercial Truck Tires

Whether you run a single rig or manage a small fleet, tires represent one of the most important investments in your trucking operation. They are, quite literally, what keeps your trucking business moving along the road.

Commercial truck tires influence your business in many ways, from fuel economy and road handling to driver safety and compliance. This comprehensive guide explains everything you need to know about commercial truck tires to make smarter buying and maintenance decisions.

Commercial Truck and Trailer Tires

Commercial truck and trailer tires are designed to handle heavy loads over long distances, and sometimes harsh road conditions. Unlike passenger vehicle tires, these tires come with reinforced sidewalls, deeper treads, and specialized compounds for durability and longevity.

Yet commercial truck tires are not all alike. Truck and trailer tires fall into categories based on their placement and function. You must choose your tires based on the vehicle’s application, route type, and load weight.

For example, drive tires deliver traction, while steer tires guide the vehicle. And trailer tires provide stability and resist wear. You must choose each type based on the vehicle’s application, route type, and load weight.

The quality of these tires directly affects braking performance, fuel efficiency, and load-bearing capability. That is why selecting the right commercial truck tire for each wheel position matters so much.

Commercial All-Position Tires

Don’t want the hassle of choosing different types of tires? You need all-position tires. Also known as multi-position tires, they are praised for their versatility. As the name suggests, they can be used in all positions on a truck: front, drive, and trailer axles.

Many fleets use them in their regional haul and urban delivery schedules because of their flexibility. They can rotate these tires easily between positions as needed and keep going.

The tread patterns support even wear, solid traction, and stable handling in diverse road conditions. That makes these tires a cost-effective solution for small trucking businesses with mixed-use routes.

Commercial all-position tires are a cost-effective, flexible, and durable option. However, they often don’t match the performance of specialized steer or drive tires. Weigh flexibility against performance when making your commercial tire selection.

Steer Tires for Semi Trucks

Does your business rely on heavy-duty semi-trucks? Then you’re probably familiar with steer tires. But for those of you new to trucking, let’s explain. Mounted on the truck’s front axle, they help with steering and handling.

Steer tires play a critical role in a semi truck. They control direction and influence ride comfort and steering response, even fuel efficiency. Because of their importance, many fleets replace steer tires more often than other types.

Steer tires are easy to recognize. They feature ribbed tread patterns with parallel grooves. But steer tires can experience irregular wear if the truck has alignment issues or unbalanced loads. Remember to inspect them regularly.

Standard steer tires are designed for even contact with the road, better steering precision, and stability. They are ideal for general use on city roads and highways and city roads. Specialty steer tires cater to specific conditions and environments like extreme weather, off-road, and regional haul applications.

Are these cheap semi-truck tires? No. You can usually expect to pay more due to their precision construction and performance standards.

Drive Tires

These go right behind the steer tires, providing the vehicle with more power and traction. While they typically don’t experience as much wear as steer tires, they should be able to handle a variety of road conditions. Therefore, select your drive tires with durability and traction in mind.

Trailer Tires

Trailer axle tires are located at the rear of the semi-truck and carry most of the cargo’s weight. They follow in the direction the trailer is being towed and are built to support that weight in transit. When choosing trailer tires, consider the typical weight your trucks haul. Choose a tire load range that works for you.

Choose Your Position Type

Beware of installing the wrong tire in the wrong position. This reduces performance and can even raise operating expenses. Commercial truck tire specialists recommend keeping track of tire placement, rotation dates, and wear.

Here’s a quick breakdown of what each tire position requires:

Steer Position: Tires in this position must offer precision, excellent handling, and uniform wear.
Drive Position: These tires must offer strong traction to transmit power.
Trailer Position: Trailer position tires must support heavy cargo weight and ensure stability.

Digital Tire Monitoring

The latest trucking technology supports fleet safety and maintenance, and tire monitoring systems are doing their bit, too.

Digital tire monitoring tools supply real-time air pressure, temperature, and tread wear data. These tools often connect with mobile apps, tracking commercial truck tires anytime, anywhere. They catch problems early, which reduces blowouts and expensive roadside repairs.

Using a digital monitoring system can also support regulatory compliance. The Federal Motor Carrier Safety Administration (FMCSA) has a program known as Compliance, Safety, and Accountability (CSA). Careful tire monitoring can minimize tire-related violations and improve CSA scores.

Parts of a Tire

Understanding the essential components of a commercial truck tire helps you to spot wear or damage early, improving safety and extending tire life.

Tread: The outer layer that contacts the road. Tread designs vary by purpose: traction, fuel economy, or durability.
Sidewall: Protects the tire and displays key tire information.
Bead: Locks the tire to the rim and ensures a secure seal.
Belt Package: Layers of steel or synthetic cords that reinforce the tread area.
Inner Liner: Retains air and supports consistent inflation.

Understanding Sidewall Information

The sidewall of a commercial truck tire displays vital information:

Tire Size: For example, 295/75R22.5
Load Index: Indicates how much weight the tire can support.
Speed Rating: Identifies the maximum safe speed.
DOT Code: Unique tire code, also reveals the manufacturing date.
Ply Rating: Reflects the tire’s strength.

Reading and understanding this information ensures you select the right tire for your operation.

Retreading and Recycling Commercial Tires

Small fleets can cut costs significantly with tire retreading. Retreading replaces worn tread on a tire casing, extending the tire’s life at a much lower cost than buying new. Retreaded commercial truck tires meet strict federal safety standards and deliver near-new performance when maintained properly.

Recycling old tires also reduces environmental impact. Many shops and manufacturers offer recycling programs for safe disposal. If you want to reduce your total tire expense without sacrificing safety, retreading offers a solution.

Important Things to Know About Commercial Truck Tires

By staying proactive, you reduce downtime, avoid violations, and get the most out of your tires. Keep these key points in mind:

Weight Rating: Choose tires that meet or exceed your load requirements.
Speed Rating: Stay within the safe operating speed for each tire.
Seasonal Conditions: Use tires designed for snow, ice, or rain when and where necessary.
Regulations: Follow FMCSA rules on tread depth and tire condition.

Pricing Variability

How much is a semi-truck tire? The answer varies because semi-truck tire prices vary widely. A semi-truck tire’s price can be anywhere from $300 to $700 or more, depending on the type and brand.

This guide gives you the information you need to make smart choices, but always discuss your needs with your tire dealers. They are experts in the field and will help you choose the right commercial tires for your business.

Tire Maintenance and Safety Tips

The right tires will keep drivers safer on the road and effectively support vehicles and cargo loads. They may even deliver increased mileage and improve fuel consumption. But to enjoy these benefits, you must practice proper tire maintenance:

Perform regular inspections and look for wear, cracks, and punctures.
Keep detailed records of tire purchases and service history. These logs help you track performance and warranty coverage and know when to retread or replace.
Give drivers proper training. Their driving style can affect tire performance and longevity.
Maintain proper tire pressure to improve fuel economy and reduce wear.
Rotate tires regularly for more even wear.
Check alignment often, especially on steer tires. And be sure to balance your tires to prevent suspension wear.
Consider using fleet software to evaluate costs over time. This helps you uncover patterns in wear and optimize your tire strategy.

Conclusion

Commercial truck tires form a vital part of your business. To get the most out of them, choose the right tire for each wheel position, monitor their performance, and perform proper tire maintenance.

Invest in high-quality commercial truck tires and maintain them well, and they will support your operation for the long haul. However, even the best tires can’t help when you’re faced with broken-down trucks and deadlines to meet. Luckily, Mission Financial Services can help.

We offer financing solutions, including loans to buy new or used semi-trucks and even to pay for repairs. Contact us today and let’s get your business on the road to success.

Commercial Vehicle Finance Solutions | Trusted Business Auto Loans & Leasing Options

For small business owners in the commercial trucking industry, securing the right vehicle financing solution can make the difference between surviving and thriving.

Whether you’re purchasing your first truck or expanding your fleet, commercial vehicle finance options provide critical flexibility. But with so many options on the market, how can you know which one fits your business needs?

By understanding your options and choosing a strategy aligned with your goals, you can confidently navigate the world of commercial vehicle financing. In this guide, we break down the most trusted solutions for business auto loans, leasing, and specialty commercial vehicle financing.

Business Vehicle Financing

Small trucking businesses often need tailored financing to match seasonal demand, growth stages, or unique vehicle needs.

Commercial vehicle finance plays a crucial role in helping small trucking businesses grow, adapt, and compete. And with many lenders offering a streamlined online application process, it’s easier than ever to get the commercial vehicle finance you need.

Business vehicle financing offers structured solutions with favorable terms to help you acquire the equipment you need without compromising cash flow. However, to make the right choice, you must select the financing option that fits your business.

Let’s have a closer look at what that means.

Financing Options to Fit Your Business

Choosing financing that fits your business means aligning the loan structure with your cash flow, operational requirements, and asset usage.

For example, short-haul delivery services may benefit from leasing newer, fuel-efficient vehicles every few years, while long-haul operators may choose ownership through fixed-term loans.

Commercial vehicle finance terms typically range from 24 to 72 months and may have fixed or variable interest rates. By choosing a financing option designed for your business model and budget, you maintain flexibility while building equity or rotating equipment as needed.

Take note that any down payments required can vary depending on credit history, collateral, and the vehicle’s condition. If you don’t have the best credit history, don’t fret. You can still apply for financing through Mission Financial Services.

Commercial Line of Credit

As your business becomes more successful, with trucks constantly on the road, you’ll find that you need to repair or even replace vehicles more often.

Indeed, your business may do so well that you need to add to your fleet of light-duty trucks and delivery vans regularly. And if you’re supplying shipping logistics to e-commerce companies, you will have a consistent demand for your services.

For businesses that regularly purchase or upgrade vehicles, a commercial line of credit offers unmatched flexibility.

This revolving credit line lets you draw funds as needed and repay them over time, perfect for operators managing seasonal spikes or rapidly expanding fleets.

Financing in the Business Name

If you’re an owner-operator or have a small business, you may be considering applying for financing in your name. In our experience, it is usually best to finance your commercial vehicles in your business’s name and make payments from your commercial accounts.

Here’s why. Establishing credit in your business’s name helps separate personal and professional obligations. And commercial lenders often prefer working with established business credit profiles. Financing under the company name also strengthens your business’s financial standing over time.

Third-Party Guarantee

What if your business doesn’t have much of a credit history?

That makes loan or credit approval a little trickier. Don’t worry. That doesn’t mean that you can’t apply for financing, but if your business lacks a robust credit history, some lenders may require a third-party guarantee.

This is usually a co-signer or affiliated entity that promises to repay the debt if the business defaults. While this can help new businesses secure financing, it adds a layer of responsibility to whoever signs on as the guarantor.

Specialty Vehicle Financing

Not all vehicles are created equal. Fortunately, there are financing options for these specialty vehicles, too. Specialty vehicle financing targets trucks and equipment built for niche applications such as refrigerated transport, hazardous materials, tow trucks, or mobile service vehicles.

Lenders who understand the unique demands of these vehicle types may provide better loan terms, flexible repayment schedules, and allowances for upfitting. If your business relies on specialized equipment, consider using commercial vehicle financing explicitly designed for that purpose.

Municipal Lease-Purchase Plan

Government contractors, school transportation providers, and waste management services may qualify for municipal lease-purchase plans. These programs are structured to comply with state and local government financing regulations while allowing businesses to acquire essential vehicles.

With a municipal lease-purchase plan, your business leases the vehicle with the intent to purchase it at the end of the term. This option offers budget-friendly payments and can include tax advantages, depending on the state/jurisdiction.

Heavy-Duty Truck Finance

Let’s face it: heavy-duty trucks don’t usually come cheap. They come with high price tags, and financing them requires a strategic approach. Therefore, commercial vehicle finance solutions specific to these trucks often include longer terms, balloon payments, or graduated payments.

Lenders consider various factors when financing a Class 8 vehicle or similarly heavy equipment. They evaluate the truck’s value, review your operating history, and assess the revenue the vehicle is expected to generate.

The resale potential may also affect loan approval and rates.

Compare the following options:

Fixed-term loan for fleet purchases: Such a loan is paid back over a set period (term) with regular and equal payments. You can use a fixed-term loan to buy a new or used commercial vehicle.
Equipment leasing with maintenance add-ons: This is like “renting” a commercial vehicle. You’ll make monthly payments in exchange for the use of the vehicle. An optional maintenance package will cover maintenance and sometimes repairs of the leased vehicle.
Sale-and-leaseback for cash flow improvements: This is an arrangement in which the commercial vehicle you sell can be leased back from the purchaser.

What Type of Commercial Vehicle Loan Is Right for You?

Choosing the right commercial vehicle finance option depends on your financial goals, budget, operational demands, and credit profile.

Here are common types of commercial vehicle finance options:

Traditional Loans: Ideal for commercial customers seeking long-term ownership. Allows you to build equity in the asset, and requires consistent payments.
Equipment Leases: Offers flexibility with lower upfront costs. You can upgrade vehicles more often.
TRAC Leases (Terminal Rental Adjustment Clause): This vehicle and trailer lease allows adjustments to payment terms, lengths, and residuals while it is active. It’s great for fleets that want an option to purchase at lease-end.
Operating Leases: These allow for the vehicle’s use but do not convey ownership rights. They keep the asset off your balance sheet. Operating leases are often used by companies with rapid turnover.
Seasonal Payment Structures: When you’re in a niche business or use specialty vehicles, you need financing to match. These seasonal payment structures match payments to revenue cycles in trucking businesses with major seasonal shifts, such as agriculture or even construction.

Each loan type comes with pros and cons. A careful review of your financial strategy and fleet goals will help you make the best commercial financing decision.

Is a Commercial Auto Loan or Lease Better?

A well-structured financing plan empowers your business. However, it can be difficult choosing between commercial loans and leases. They can both have advantages, depending on your unique business goals.

Here’s how they compare:

Feature	Commercial Auto Loan	Commercial Vehicle Lease
Ownership	You own the vehicle	The lessor owns the vehicle
Upfront Costs	Higher down payment	Lower down payment
Monthly Payments	Typically higher payments	Lower payments may include a maintenance plan
Flexibility	Fixed asset	Easy to upgrade or return
Tax Benefits	Depreciation & interest deductions	Lease payments may be tax-deductible
End of Term	You keep the vehicle	You return the vehicle, renew the lease, or buy the vehicle

Is your goal a long-term investment and asset control? A commercial auto loan may suit you best. Do you want flexibility and simpler cost management? Leasing a commercial vehicle could be a better option.

Conclusion

From business loans and commercial lines of credit to specialty financing and municipal plans, you have various options to choose from. But how do you know you’ve found the right one? It supports your operational needs without straining your cash flow.

Perhaps you’re looking to buy your first truck. Maybe you need help paying for repairs to your existing trucks. You may even be trying to build a business credit history. With our extensive experience in the commercial trucking industry, Mission Financial Services is here to help.

We provide financing specifically tailored to commercial vehicles, with funds to buy new and used vehicles or even do semi-truck repairs. Contact us for more information.

How Many Gallons Does a Semi Truck Hold? All You Need to Know About Fuel

Fuel is one of the biggest operating expenses in the trucking industry. This is true whether you’re a fleet owner, an independent owner-operator, or just entering the world of commercial trucking. Understanding how fuel works in semi-trucks is crucial for planning trips, managing costs, and maintaining your rig.

A common question among drivers and trucking business owners is: How many gallons does a semi truck hold? The answer, however, is not always straightforward. It depends on the tank size, configuration, and the method used to fill the truck.

This guide breaks down the fuel system of semi-trucks, tank capacities, rules for safe filling, and how far you can expect to go on a full tank.

Average Fuel Tank Size for Semi-Trucks

When it comes to answering: how many gallons does a semi truck hold, it helps to understand standard tank sizes.

So, the first question we need to address is this: How big are semi-truck gas tanks? Semi-trucks pull heavy trailers, often over very long distances, and therefore need to hold a lot of diesel fuel. This is why most semis have two fuel tanks.

The typical semi truck fuel tank capacity typically falls within these ranges:

Single tank setup: 100 to 150 gallons of fuel
Dual tank setup: 200 to 300 total gallons of fuel

Dual tanks allow for extended range between fuel stops on long-haul operations. For instance, many over-the-road (OTR) trucks carry two 125-gallon tanks, totaling 250 gallons. That said, not every gallon in the tank will be used, as we’ll explain below.

The 95% and 25% Rules, and the Gas a Semi-Truck Can Hold

When someone asks, “How much gas does a semi truck hold?” the answer depends on whether you’re talking about total tank volume or usable fuel. To ensure safety and prevent fuel system damage, most truck drivers follow what’s known as the 95% rule and the 25% rule. This practical fuel limit is key when planning routes and calculating fuel expenses.

Fuel expands in hot temperatures, increasing the risk of spills. The 95% rule requires filling tanks only up to 95% of their total capacity to allow for fuel expansion and avoid spills. Truckers agree that this delivers roughly the same miles per gallon (MPG) as a full tank.

The 25% rule helps prevent running the tank too low. Refueling when it reaches around 25% of capacity lowers the risk of drawing air into the fuel lines or harming the truck’s engine.

For example: If a truck has dual 125-gallon tanks (250 gallons total), filling to 95% would mean around 237.5 gallons of fuel. Running the tanks down to 25% of 250 gallons leaves about 62,5 gallons. In this scenario, the drivers refuel after consuming about 175.25 gallons.

Reasons for the 95% Rule in a Semi-Truck

The 95% rule isn’t just a suggestion. It’s a safeguard built on years of trucking experience and engineering expertise. Overfilling a semi-truck tank can lead to some serious problems. So, let’s break down the main reasons why truckers follow this standard.

Expansion

Diesel fuel expands and contracts with temperature changes. On hot days, the fuel inside the tank can expand significantly. Overfilling can lead to overflow, which poses environmental hazards and safety issues.

Spills

No matter how many gallons your truck holds, it’s best to avoid overfilling the tank. An overflowing tank can lead to spills. When diesel spills out during refueling, it creates a slipping hazard at fuel stations and on roadways. It also violates environmental regulations and can result in fines.

Weight

The weight of diesel fuel varies depending on its gravity and density, as well as factors such as temperature and pressure. That said, diesel fuel typically weighs approximately 7 pounds per gallon in the US. Filling up 200 gallons adds about 1,400 pounds to your truck!

That weight impacts payload capacity, braking, fuel economy, and compliance with gross weight limits. Understanding how many gallons of diesel a semi truck holds is critical for staying within legal weight limits.

Understanding the Weight of Fuel per Gallon in a Semi-Truck

The question “How much gas does a semi truck hold?” can be answered in another way: weight. Many drivers focus solely on semi-truck fuel capacity, but weight matters just as much. Diesel fuel is denser and thus heavier than gasoline and can significantly affect your load.

One gallon of diesel equals roughly 7 pounds. But multiply that by 200 gallons, and we’re talking about 1,400 pounds! That’s a really big load on your overall vehicle weight.

For carriers hauling loads close to the federal 80,000-pound limit, fuel weight can reduce how much freight you can legally carry. Experienced dispatchers and owner-operators plan loads and refueling stops accordingly.

Key Considerations When Filling a Semi-Truck Fuel Tank

Knowing how to refuel responsibly is even more critical than understanding how many gallons your semi-truck can hold. Several factors affect when, how, and where you should fill up. Ignoring them can lead to inefficiencies or even mechanical issues. These are the factors that have led to widespread use of the 95% rule.

Fuel Expansion

Diesel expands with an increase in heat. Avoid filling up during the hottest part of the day if possible. Fueling in the early morning or evening can help reduce the risk of overflow and spills. Follow the 95% rule for added peace of mind.

Risk of Spilling

Overfilling a semi truck’s gas tank can cause diesel to leak out of the cap or vent. This wastes money and can lead to environmental issues and potential fines. Avoid this problem by avoiding parking on an incline.

Fuel Weight

Diesel fuel weighs more than most people think. And as the fuel tanks fill up, gross vehicle weight increases. Balance refueling needs with load weight, especially when hauling near the legal limit. Overloading can lead to DOT fines and extra wear on brakes and suspension.

Main Factors Affecting How Many Gallons a Semi-Truck Can Hold

Several variables determine a truck’s fuel capacity beyond just the number stamped on the side of the tank.

Tank configuration: Single vs. dual or customized fuel tank, tank shape, and installation method
Truck make/model: Freightliners, Kenworths, Volvos, and Peterbilts come with different configurations.
Some drivers replace stock tanks with larger aftermarket versions.
Local trucks may only need 100–150 gallons, while long-haul rigs may need 250+ gallons.

So, how many gallons do semi trucks hold? Semi-truck fuel capacity and consumption depend on the truck’s specifications and use.

How Many Miles Can a Semi-Truck Go on a Gallon of Gas?

Fuel economy is a significant factor in operational planning. Most modern diesel-powered semi-trucks average 6 to 8.5 miles per gallon (MPG) on highway routes. However, stop-and-go city driving or mountainous terrain can deliver lower MPG.

Theoretically, a truck with 240 usable gallons at 7 MPG could go about 1,680 miles on a full tank. However, how far a semi-truck can go on a full tank depends on speed, road grade, idle time, and load weight.

Additional facts to consider:

Trucks with aerodynamic fairings get better mileage.
Driving conservatively extends range. This is why continued driver training is so necessary.
Newer engines may offer better fuel efficiency.

Understanding your semi-truck’s range on a full tank helps plan fuel stops, reduce downtime, and keep delivery schedules on track.

Conclusion

How many gallons of fuel does a semi hold? The simple answer ranges from 100 to 300 gallons. The real answer is more nuanced.

Tank size, fuel expansion, weight limits, and safety regulations all impact how much fuel your truck can use at any given time. The real-world MPG range depends on route conditions, driving behavior, and truck configuration.

Newer semi trucks often have fuel efficiency technology that can improve your gas mileage range and give you a competitive edge. But don’t worry about affordability. Mission Financial Services offers semi-truck loans to suit all business types and budgets.

Semi-Truck vs Full Truck | What Is the Difference?

Trucks are used across almost all industries. In fact, according to the American Trucking Associations, trucks deliver over 80% of all US freight. That makes transporting goods with trucks a good business to be in.

If you’re new to the world of trucking, though, you may be confused by some of the jargon, such as the names of different types of trucks. Don’t worry, we’ve got you covered. Join us as we explore the differences between the semi-truck vs full truck.

What is the Difference Between a Semi-Truck and a Truck?

Most trucks are either full trucks or semi-trucks. So, what is the difference between a semi-truck vs full truck, and why does it matter so much in the trucking industry? They are both trucks used for transporting cargo. However, they have distinct differences that make them suitable for different types of cargo hauling.

A clue to the main difference is in their names. A full truck has a full trailer. A semi-truck has a semi-trailer. Let’s examine the different trailer types to understand what makes them so different.

What is a Full Trailer?

Full trailers move with the trucks that tow them, but do not rely on the towing vehicle to support the load. A full trailer carries its own weight entirely. The full trailer has a drawbar that connects to the coupling on the truck.

What is a Full Truck?

A full truck is a straight truck with its own cargo space. It does not have a detachable trailer. It has a trailer for cargo hooked to the truck itself.

Full trailer trucks are reliable and versatile, and are used widely in a variety of roles. If you’ve ever heard of a box truck, it is a full truck. It is called a box truck because the cargo area is an enclosed, rectangular box that is attached to the truck’s chassis.

Thinking of buying a box truck for your business? Before you do, read our guide to understanding box truck financing.

What is a Semi-Trailer?

Semi-trailers are detachable trailers usually constructed of high-strength steel or aluminum. They get hitched to a truck to transport cargo. Semi-trailers come in different designs to suit specific cargo, for example, raw materials, bulky goods, liquids, chemicals, etc.

The truck can offload the entire trailer without waiting for the goods in it to be offloaded, and attach another one. The trailer often has legs to support it when it is uncoupled from the truck.

What is a Semi-Trailer Truck?

The semi-trailer is used with a tractor truck, more powerful than a regular truck. The truck does not carry cargo itself, but instead pulls the rear trailer carrying the cargo. This combination of a semi-trailer and a tractor truck is called a tractor trailer truck or semi-trailer truck.

It is often just referred to as a semi-truck or a semi in the U.S. Elsewhere, it may be known as an articulated truck. An articulated vehicle is composed of two parts: a tractor unit (or cab) and a trailer.

Driving a semi-tractor truck with a long semi-trailer is very different from driving a delivery van or even a heavy-duty full trailer truck. These giant vehicles are much longer and can have multiple trailers. Remember this when you are looking for drivers for your trucking business.

If you need a driver who has experience driving big semis, state this clearly in the commercial truck driver job description. The last thing you need is for your truck driver to be involved in an accident. A truck accident can be much more costly than a car accident or a motorcycle accident, after all.

Full vs Semi-Truck: Key Differences

There are quite a few differences between a full truck vs semi-truck. Consider these before you purchase a truck to start a truck delivery business.

Connection Mode

The first and most obvious difference between a semi-truck vs full truck is the connection mechanism. A semi-trailer is connected to a truck by a heavy metal coupling called a kingpin.

This cylindrical connection is located underneath the front end of the trailer. It locks the trailer onto the truck. Meanwhile, a full trailer is connected by a front hook on the trailer and a coupling on the truck.

Dimensions

Dimensions are another giveaway in the comparison of a semi-truck vs full truck.

The semi-trailer’s standard dimensions are 48 to 53 ft. long, 8.5 ft. wide, and 13 ft. high. Compare this with the full trailer. Its standard dimensions are only 10 to 26 ft. long, 8.5 ft. wide, and 13 to 14 ft. high. Therefore, the semi-trailer is usually much longer than a full trailer.

Capacity

There’s also a big difference in the capacity of the semi-truck vs full truck. Semi-trailers can carry up to 80,000 lbs in weight. Full trailers typically carry about 33,000 lbs. in weight. Therefore, the semi-trailer usually carries more weight than a full trailer.

Usage

Because of their different dimensions and capacities, usage is another big difference between the semi-truck vs full truck.

Semi-trailer trucks can take more cargo and are thus often used for long-distance hauling. There are different types of semi-trailers, like refrigerated trailers for perishable foods, and lowboy trailers for oversized loads.

Full trailer trucks can take a lot of cargo, but decidedly less than the biggest semis. That’s why they are typically used for smaller, usually local, deliveries.

Driving a heavy truck, especially a semi, requires a Commercial Driver’s License (CDL).

Components and Design

A comparison of the semi-truck vs full truck shows a very different design and components. Full trucks are trailers on their own wheels, with both front and rear axles, although sometimes, the rear axles are in the middle. And these axles support the entire trailer’s weight.

Semis are a combination of a truck and a trailer, without a front axle. So, why do semi-trailers have no front axles, only rear axles? The front half of the trailer is supported by the back of the truck itself. The rest is supported by the rear axles.

Wheels

A two-axle straight truck will usually have four wheels. The number of wheels on a semi-truck can vary depending on the freight. Six to ten wheels is typical. However, there can be as many as eighteen, and these trucks are often referred to as eighteen-wheelers.

The extra wheels on semi-trucks offer better weight distribution, with more stability and balance for those heavier cargo loads. Of course, heavier loads can impact fuel consumption, but most modern semis offer better fuel efficiency.

Maneuverability

The design of a semi-truck vs full truck affects maneuverability as well.

Semi-trailers generally provide better traction than full trailers and more maneuverability in tighter urban spaces. Semi-trucks are easier to reverse even with the trailer hooked. This is because they only have a single turning point at the coupling, unlike full trailers, which have two: the drawbar and the coupling.

Experienced drivers handle these issues well. However, even new truck drivers will find it easy to handle any truck by attending one of the top CDL training schools. These schools offer practical commercial truck driver training for all heavy trucks, including semis.

The Role of Semi-Trucks in Commercial Transport

In the choice of semi-truck vs full truck, which is more popular? The truth is, they both are, because they both have advantages. Full trailer trucks are easy to drive, have low operational costs, and are ideal for transporting lightweight goods.

However, semi-trucks are especially popular for commercial transport logistics and long haul transport. They can haul much larger volumes. And they fulfill necessary functions at all stages of the commercial journey.

They are crucial for manufacturing, hauling raw materials to factories. They are essential for distribution, carrying finished goods to retailers. And they are just as useful for retail deliveries, transporting the merchandise to waiting consumers.

This makes semi-trucks invaluable for commerce. But they are just as important for agriculture and other sectors. This makes owning or operating a semi-truck fleet a good business to be in.

Conclusion

Now that you know all the differences between a full truck and a semi-truck, you can decide which is the better option for your business.

For a smaller local delivery business, a full truck is fine. Semi-trucks are preferred for long hauls as they can take much more cargo. If you’re building an intracontinental freight business, this is the truck you will need.

Whatever you decide, you’ll need reliable financing to buy your trucks. Mission Financial Services can help you get the funds to buy new or used commercial vehicles and semi-trucks. Contact us today to get started.

May 2025 Driving Data Report: Critical Insights

If you want to know how well your business is doing, compare it to the rest of your industry. If you want to know how well the overall industry is doing, look at the industry data. Just as there is car data, there is also data collected by those in the trucking industry, shipping, and freight.

So, which way are North American commercial vehicle driving trends headed in May 2025? We examined recent data from America’s Commercial Transportation Research Co. (ACT Research) and other reputable news, statistics, and industry sources. Here are our critical insights.

Economic Influences on Driving Data

Transport will always be hit hard by economic turbulence. Shifts in consumerism influence demand. Fuel hikes influence logistics costs. In May 2025, there is an even greater challenge: tariffs.

The US economy faces great uncertainty amid the trade tariffs brought into effect by the Trump administration. Financial market turmoil led to concerns that a recession was on the horizon. On April 9, President Trump authorized a 90-day pause for more extreme reciprocal tariffs.

It’s not all bad news. The United States e-commerce market has shown healthy growth. E-commerce revenue is expected to show annual growth of 8.22%, resulting in a projected market volume of US$1.84tn by 2029.

This increases the demand for small, medium, and heavy commercial vehicles for logistics and transportation associated with e-commerce.

Vehicle Market Trends

We looked at the latest driving data report from ACR Research to understand recent commercial vehicle and shipping trailer market trends.

Medium-Duty Vehicle Market Trends

The overall demand for medium-duty trucks has shown a decrease since March, with a preliminary 13,600 net orders for medium-duty trucks (+/- 5.0%).

Heavy-Duty Vehicle Order Dynamics

A slowdown in orders for heavy-duty vehicles was also noticed, but the exact cause is undetermined. However, moderating economic activity, private fleets’ pausing their expansion, plus trade and policy uncertainty could all play a role.

Trailer Market Performance Indicators

In a monthly survey by ACT Research, original equipment manufacturers (OEMs) indicated that conditions regarding supply, demand, and general business operations were on par with the previous year. While that is not always good news, it is not necessarily bad news either, as it shows stability.

Truck Sales and Pricing Analysis

Truck sales show us how much the trucking industry is growing. Buying more trucks means that businesses are expanding. What does the recent truck driver data have to say about North American truck sales?

Used Truck Sales

Same-dealer Class 8 used truck sales showed a slight increase in February. The 0.9% month-over-month increase was consistent with, although not as strong as, the expected seasonal advance of 5%.

In March 2025, the Class 8 average retail sale price for used trucks rose by its largest percentage since March 2022, gaining 5.6% month-over-month.

Used truck prices are typically influenced by factors such as age, condition, and mileage. Looking at the research, Steve Tam, Vice President at ACT Research, had this to say: “Several other considerations are likely affecting recent pricing changes.”

Commercial Vehicle Pricing

Under the Trump administration’s current tariff policy, vehicles compliant with the United States-Mexico-Canada Agreement (USMCA) would be exempted.

It means at least 75% of the vehicle’s components must be produced in North America. The remaining percentage of the vehicle that doesn’t come from North American auto companies will face tariffs of 25%. This will inevitably lead to increased demand for trucks made in the US.

The extent to which domestic production can meet domestic demand remains to be seen.

Freight and Transportation Forecast

In January 2025, the American Trucking Associations projected that truck volumes would grow in 2025 after two years of declines. Let’s see if the recent driving data supports this.

U.S. Freight Rate & Volume Outlook

The Cass Transportation Index report is a good resource for anyone seeking data for the trucking industry. Based on records for shipping invoices from Cass Information Systems, it covers multiple industries in North America and shows key freight volume trends.

Don’t worry, they don’t violate data privacy or sell data to data brokers. They only share the data related to activity and volume that can help the transport industry. For example, the shipments component of the Cass Freight Index was unchanged in March 2025, month-over-month.

DAT freight and analytics, a well-known US-based freight exchange service, runs the largest truckload freight marketplace in North America. Their 2025 Freight Focus report showed that the truckload marketplace was entering a new phase in 2025.

However, trade policies, geopolitics, and labor issues could all influence how quickly and how well freight rates and volumes bounce back.

Supply-Demand Balance in Transportation

The trucking industry relies on a demand for freight shipping by road and the availability of trucks and drivers. Shifts on either side tip the supply-demand balance. In February, as freight volumes decreased and capacity contracted, supply-demand measurements shifted to 51.1 from the previous month’s 59.1.

Workforce and Driver Availability

Thanks to the sharing of driving data, we also see what’s going on in the workforce. Although the number of qualified truck drivers may vary from one location to the next, we still get an overall view of the available workforce.

Labor Market Metrics for Commercial Drivers

Driver availability has been slowing over the past 17 months. The Driver Availability Index fell 2.1 points to 51.0 in March, from the previous index of 52.3 in February 2025.

As older drivers retire and the number of younger drivers declines, driver shortages become difficult to solve. This is evident in a report from IRU, an international transport organization. Their report on truck driver shortages showed that it’s a global problem.

Driver Retention and Shortage Solutions

Many businesses are looking for alternative solutions to driver shortages. It is predicted that Level 4 autonomy will eventually dominate logistics and commercial operations.

AI is being heralded as the future of transportation. But this depends on how quickly self-driving technology matures, as well as how regulatory frameworks evolve.

State of the Industry Overview

ACT Research analyst Carter Vieth said, “Cancellations at a 20-month high may indicate customers are pulling back on orders given the increasingly pessimistic outlook.”

What else is the driving data telling us about the state of the trucking industry?

Classes 5-8 (Medium-to-Heavy Duty) Vehicles Analysis

According to driving data from ACT Research, final North American Class 8 net orders totaled 16.5k units in March. This showed a decline of 5.9% year-over-year. Tractor orders of 12.2k units were up only 0.9%. Meanwhile, at 4.2k units, vocational truck orders decreased 21% year-over-year.

U.S. Used Truck Classes 3-8 Performance

The Class 8 average retail sale price rose by its largest percentage since March 2022, gaining 5.6% m/m in March. However, it still has a way to go. On a year-over-year basis, prices were 6% lower, while falling 7.7% in the year-to-date.

How to Make 2025 a Good Year for Your Trucking Company

By keeping a close eye on driving data through freight and transportation indexes and reports, you get a sense of where the industry is headed. You can compare current freight rates and volumes with previous months and years’ performance, and make predictions based on that data.

However, during times of economic uncertainty such as these, things change quickly. Predictions don’t necessarily come to fruition. What can you do to make 2025 a good year for your trucking business?

Buy Local

As demand from local e-commerce logistics continues to rise, US-based trucking businesses can profit from it. If you’re thinking of adding new vehicles to your business, and new trucks to your fleet, go for North American-based car companies and US-manufactured commercial vehicles or used trucks.

Get the Right Coverage

Don’t risk driving uninsured. Several insurance companies cater to the trucking industry, with insurance premiums to suit every budget. Some insurers offer custom comprehensive coverage with discounts tailored to your needs. We have a useful guide to commercial truck insurance that can help you.

Invest in Good, Used Trucks

Save money where you can. Buying used trucks will enable you to add to your fleet at a more affordable price than buying new. But first, read our tips for buying used commercial trucks. And remember that Mission Financial Services offers affordable used semi-truck loans.

Hire the Best Drivers

Looking at the US truck driver community, the problem may not be simply a shortage of skilled drivers, but more a matter of a lack of driver retention.

Don’t just hire drivers who hop in, hit the accelerator pedal, and go. Provide training and guidance. Become an active member of a trucking association that supports you and your truck drivers. Share driving data that can help improve the industry.

You’re more likely to retain drivers if they know what qualifications and driving habits are expected of them from the start. Check out our guide to writing a commercial truck driver job description.

Conclusion

Freight driving data reports give us access to expert insights. This helps us determine where the industry may be heading.

Demand for trucks has slowed. Driver shortages may worsen. There is uncertainty hanging over the entire market. Yet, in May 2025, there is potential for growth. And Mission Financial Services is here to help.

We offer financing specifically for the trucking industry. Whether you’re buying new or used semis or need to maximize your existing fleet with crucial repairs, we have the loan you need. Contact us today, and get the financing that will improve your driving data in 2025.

How Does Semi-Truck Repair Insurance Work?

Owning or operating a semi-truck business can be financially rewarding. But it can also cost you a lot of money in truck repairs, and when you least expect it. Whether expected because of wear and tear or unforeseen due to accidental damage, semi-truck repairs can be unaffordable if you are not prepared.

Fortunately, there are several insurance products tailored for the trucking industry, and one of these deals specifically with semi-truck repairs. But how does semi-truck repair insurance work, and what does it cover?

We explain all you need to know about semi-truck repair insurance and why you need it in the article below.

Understanding the Importance of Insurance

No matter how carefully you drive your truck, there is always the possibility of something going wrong along the road. Even a cursory look at the large truck crash facts on the Federal Motor Carrier Safety Administration (FMCSA) website will confirm this.

An accident involving heavy vehicles like trucks can have serious financial implications, such as medical expenses. Besides the possibility of bodily injury and property damage, dealing with the repercussions of an accident can cause costly delays, too.

Of course, a road accident is not the only thing you need to worry about. There are various risks to consider. Trucks can be damaged by debris during natural disasters, or even just by severe weather and harsh terrain conditions. And despite your best efforts, they sometimes break down without warning.

When you have a heavy truck like a semi, repairs can become very expensive. Replacement part costs and high labor rates can make a serious dent in your cash flow. Fortunately, semi-truck repair insurance can help cushion your business against these costs.

What Does Semi-Truck Repair Insurance Cover?

A well-maintained semi-truck typically lasts around 750,000 miles and can even reach a much higher mileage with good maintenance. Our checklist for commercial truck maintenance will help.

Doing minor repairs yourself can extend the longevity of your truck and prevent the most common failures that lead to breakdowns. But even with regular maintenance, you still run the risk of an accident, damage, or breakdown on the road.

Truck repair insurance will protect your business from the financial consequences associated with these issues. Whether you’re a trucking company or an independent truck driver, this financial protection is essential for getting back on the road again, quickly and without severe financial strain.

What does semi-truck repair insurance cover? Truck repair insurance covers the repair costs for essential truck components and equipment. Warranty programs usually offer protection against mechanical failure from wear and tear as trucks age.

What’s Not Covered?

Semi-truck repair insurance is a necessity for any trucking business. But it usually does not cover basic truck care and maintenance. It also does not cover damage to cargo, loss of cargo, bodily injury caused by truck failure, or liability for third-party damages.

If you need insurance coverage for such events, get a comprehensive truck repair insurance program. A comprehensive insurance package can offer customizable coverage options alongside the usual coverage.

Do You Need It?

So, do you need semi-truck repair insurance? If you’re reliant on your trucks to operate your business, then yes, you do.

In our experience, some semi-truck repairs are more common than others, and some are more costly than others. Engine repairs and replacements, for example, are typically a semi-truck’s most costly repair and maintenance expenses.

You may be capable of handling the minor repairs yourself. But what about the major ones caused by accidents or damage along the road? They may be outside the expertise of your resident mechanic or too expensive to repair out-of-pocket.

That’s where the need for truck repair insurance comes in. It helps you manage the costs associated with major repairs that would otherwise put strain on your working capital.

Heavy Truck Insurance Basics

Before you sign up for any kind of heavy truck insurance, including semi-truck repair insurance, you need to understand how it works. There will be monthly premiums and deductibles to consider. These have to fall within your budget. And there will also be specific procedures to follow when you want to claim repair costs.

Deductibles and Premiums

An insurance policy premium is the monthly payment an insured party pays to keep the policy in force. A deductible is the amount an insured party must pay out of pocket before the insurance coverage pays out for a claim. As with all other types of insurance, semi-truck repair insurance involves both.

The premium that you pay will depend on various factors. These include the type of truck you’re insuring, the type of coverage, and the insurance provider you have chosen. You can often reduce the deductible by paying a higher monthly premium, or reduce the premium by agreeing to a higher deductible.

How Claims Are Filed

Claims for semi-truck repair insurance operate similarly to other types of auto insurance claims. You must contact your insurer as soon as possible and provide all necessary details about how the damage to the truck occurred.

You will need to fill in a claims form. This can usually be done online, saving you time and getting your claim attended to faster. If the damage was caused by an accident, you will need to furnish all details related to the accident, too.

How Insurers Assess Repairs

Once the claim is submitted and documented, an insurance adjuster will be assigned. It is their job to assess the situation and evaluate the damage. This will influence the outcome of the claim on your semi-truck repair insurance policy.

A quote from a repair shop will indicate what the repairs will cost. You are not always required to use the truck repair shop that your insurance provider suggests. But there are sometimes benefits to doing so. Repairs may happen faster and with less out-of-pocket costs for you.

Choosing the Right Semi-Truck Repair Insurance Group

To get the best semi-truck repair insurance for your needs and your budget, you must do the research. There are many insurance providers. They offer different policies and coverage types, and their rates as well as their policy benefits can vary considerably.

But while you’re focused on truck repair today, remember that there are different types of commercial auto insurance. And as your business grows, your insurance needs will grow, too.

The right insurance will help you to look after your employees after an accident. Getting your trucks running again as quickly as possible also prevents the extended downtime that can make your customers lose faith in your business.

So, read our guide to the best insurance companies and coverage types before committing to any new insurance policy.

Essential Insurance Policies

Semi-truck repairs can be very costly, which is why semi-truck repair insurance is a very useful insurance policy to have. But truck damage repairs are not the only issues you will come across while running your trucking business.

That means semi-truck repair insurance is not the only type of insurance you need to consider. The following insurance policies will protect your business in a wide range of incidents and are therefore essential for any modern trucking business.

Primary Liability Insurance

Whereas semi-truck repair insurance will help you pay for the repairs your truck needs, liability insurance pays for repairs others need.

Primary Liability insurance is mandatory for all types of commercial trucks, including semis. It is illegal to drive any commercial truck without this type of liability insurance.

Primary Liability coverage pays for bodily injury and property damage that your truck may cause to other property or people due to the insured truck driver’s negligence.

General Liability Insurance

Semi-truck repair insurance covers damage to the insured truck. And Primary Liability covers damage or injury to third parties. But your business could experience events unrelated to truck damage. That’s what General Liability insurance is for.

General Liability insurance covers the costs associated with injuries or damages sustained by third parties that are not truck damage or accident-related.

For example, a customer could be injured on your work premises. You could ship an order to the wrong place, leading to lost property or revenue for a customer and the intended recipient. General liability covers you for those costs.

Collision Coverage

Collision insurance pays for your repairs after an accident involving another driver, regardless of which driver was at fault. It also covers damages caused by a collision with a stationary object.

Driving a semi requires great skill, and with the right training, many accidents and collisions can be avoided. Ensure your drivers have the necessary commercial driver’s license (CDL). Attending one of the top CDL training schools is preferable as it offers both classroom and practical lessons.

Motor Truck Cargo Insurance

Sometimes, the damage or loss you have to worry about is not the truck itself, but the cargo it’s hauling. That’s why you need Motor Truck Cargo insurance.

This covers the damage or loss of cargo caused by an accident, fire, or theft. Cargo truck insurance can cover stolen cargo trailers, cargo damaged in transport, or even perishable items that spoil due to faulty refrigerated trailers.

Non-Trucking Liability Protection Plans

Non-trucking liability insurance is designed for owner-operators under a permanent lease from a motor carrier. If you lease your truck and sometimes use it for non-business purposes, this insurance covers your liability in the event of an accident.

Workers’ Compensation Insurance

Workers’ compensation insurance provides employees with medical, wage, and other benefits if they are injured on the job. This coverage is required in most states, but it can also differ between states.

Take note that ordinary workers’ compensation policies often don’t provide coverage for multiple states. This can be an issue if your truck drivers do long-hauls across state lines. That is why some states have special rules governing how workers’ compensation applies to truckers.

If you are unsure about how workers’ compensation insurance works in your state, contact the relevant state workers’ compensation officials for more information.

Occupational Accident Insurance

Occupational Accident insurance also provides coverage for work-related injuries. But don’t confuse it with workers’ compensation. Occupational Accident Coverage is not required by law. It is a voluntary benefit for owner-operators and independent contractor employees.

Business Interruption Insurance

Are you a solo driver-operator with a small trucking business? When you rely on one truck, the downtime needed for repairs can cripple your business. It could be very difficult to recover from such a setback while still building up your business. Luckily, business interruption insurance can help.

Also known as business income insurance, this coverage protects businesses against financial losses due to unexpected events.

Trailer Interchange Insurance

A semi-truck is more than just a truck. It has a trailer attached to it to ship cargo from one place to another. And damage can easily occur to that trailer, too.

Trailer Interchange insurance provides financial protection for damage to trailers being pulled under a trailer interchange agreement. It is a type of physical damage coverage for truckers pulling non-owned trailers.

What Does Comprehensive Protection Mean?

Confusion surrounding comprehensive insurance is common. This is mostly due to the name, as the word comprehensive seems to indicate that every eventuality is covered.

Comprehensive insurance does cover a wide range of incidents, such as fire, falling objects, theft, natural disasters, and even vandalism. But it focuses on damages resulting from non-collision events, reducing out-of-pocket expenses for repairs.

Physical Damage Coverage

To protect against accident-related damages, you’ll need to combine comprehensive coverage with collision coverage. This is then known as physical damage coverage. Speak to your insurance broker about how combining coverage from the same provider can save you money.

Conclusion

Semi-truck repair insurance will help you with those unforeseen repairs resulting from damage to your trucks. But it’s not your only option.

At Mission Financial Services, you can access affordable semi-truck repair loans to keep your trucks on the road. Contact us today for more information about our range of financial products for the trucking industry.