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Truck driving is the backbone of logistics and supply chain industries, crucial for the movement of goods across cities and countries. Understanding truck driver salaries is essential for anyone considering this field, as it provides insight into the financial viability and expectations associated with the job. With varying pay scales influenced by experience, job type, and location, the earning potential in this field can be diverse and rewarding.
Based on 500K salaries reported by Indeed, the average salary for truck drivers in the U.S. typically falls between $44,963 and $201,435 annually with an average of $95,169.
This number can fluctuate based on factors like experience, type of truck driven, and whether the driver is an employee or an independent contractor.
Let's take a closer look at the breakdown:
Last updated at September 15, 2025
Several factors influence how much truck drivers earn, making their salaries highly variable. Key factors include:
Entry-Level vs. Experienced Drivers: Newer drivers typically start with lower wages, often around $40,000 to $50,000 annually, while those with significant experience can earn $70,000 or more. The more miles a driver has logged and the safer their driving record, the higher their earning potential.
Local vs. Long-Haul: Local drivers tend to earn less due to shorter routes and predictable schedules. In contrast, long-haul or over-the-road (OTR) drivers often make more because they travel longer distances and spend more time away from home.
Specialized Routes: Routes involving specialized cargo, such as hazardous materials or oversized loads, often come with higher pay due to the complexity and risk involved.
Company Drivers vs. Owner-Operators: Company drivers work for a trucking company and may receive a steady income with benefits. Owner-operators, who own and manage their trucks, have the potential to earn significantly more, sometimes upwards of $100,000 annually, but must cover expenses like fuel, insurance, and maintenance.
Team Driving: Some drivers operate in pairs to keep the truck moving continuously. These team drivers can see combined earnings exceeding $100,000, split between both drivers.
HAZMAT and Tanker Certifications: Drivers with special endorsements, such as HAZMAT (hazardous materials) or tanker certifications, can command higher pay due to the additional risks and expertise required.
Heavy Equipment and Specialty Loads: Transporting equipment or vehicles and other specialty jobs often result in salaries above standard rates.
Top-Paying States: States like Kentucky, Pennsylvania, and Delaware often offer higher salaries due to their active logistics industries and cost of living. On average, truck driver salaries can be close to $70,000 in these regions.
Urban vs. Rural: Urban areas might offer higher base pay due to demand but also come with higher living costs. Rural routes might pay less but can benefit from a lower cost of living.
Private Fleets vs. Large Trucking Companies: Drivers working for private companies, such as major retailers' in-house transportation, can earn more than those employed by large third-party logistics firms.
Small vs. Large Firms: Smaller, specialized companies may offer competitive pay to attract skilled drivers, whereas larger companies might offer more standardized rates with benefits.
Pay by the Mile: Many trucking companies pay drivers based on mileage, with average rates ranging from $0.40 to $0.75 per mile. The number of miles driven per week can significantly impact total earnings.
Overtime and Extended Work Periods: Long work hours and overtime can contribute to higher pay, especially during peak delivery periods.
Demand and Market Conditions: Economic downturns and industry shifts can impact job availability and pay. High demand, such as during a supply chain crisis, can lead to temporary pay increases.
Fuel Costs and Operational Expenses: For owner-operators, fluctuating fuel prices and operational costs can greatly affect net earnings.
Despite making a $91,634 average salary nationwide, truck drivers face several financial challenges daily, impacting their earnings and overall financial stability.
Those who own their trucks (owner-operators) must pay for fuel, which is subject to fluctuating prices, potentially cutting into their profits. Maintenance and repair costs are also significant and can be unpredictable, posing a substantial financial burden.
1st Commercial Credit continues to innovate and come up with the best financing alternatives to better serve all trucking and transportation-related industries in the USA. Our fuel card program offers competitive rates and deals so that truckers can continue moving the load to the destination.
Many benefits come with using a fuel card over cash or a credit card, but the most significant benefit for truck drivers is receiving fuel discounts. Owner-operators and truck drivers are always in charge of fuel purchases, and saving money on fuel should be a top priority.
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Owner-operators often need to take out loans to purchase their trucks. Monthly loan payments add a financial obligation that must be met, regardless of how many miles they drive or how much revenue they generate.
1st Commercial Credit finances trucking vehicles and offer an OTR TruckStarter® equipment finance program. By using a loan to buy equipment, you can ensure you have enough funds to continue expanding your transportation operation. Equipment Finance Agreements (EFA) are an excellent way to grow your business without significant out-of-pocket expenses.
Truck drivers often face delays at loading docks, waiting for shipments to be loaded or unloaded. Many companies do not compensate drivers for this downtime, which can significantly reduce their potential earnings.
Non-recourse factoring provides truckers with a safeguard against non-payment by freight brokers. 1st Commercial Credit monitors the credit of all freight brokers it finances and assumes the financial risk if a broker fails to pay due to insolvency.
1st Commercial Credit is a non-recourse factoring company that services all transportation-related industries in the USA. Processing the freight bills and load confirmations has never been easier. Our clients simply upload their documents and we generate the invoice, fund our client and process the documents for collection to the freight broker.
Non-recourse factoring helps truckers with:
Invoice factoring can immediately give your trucking company the push it needs to grow. This is not a loan, so there is nothing to pay back. We simply take your documents for a completed load and fund you 100% (No Reserves) minus a fee of 1.5% to 3%, depending on the size of your company.
Fuel and tire discount, low rates, free online credit check, we got it all covered! We specialize in trucking factoring and can give your business the working capital it needs.
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