Presumably, to get the truck pricing you have to buy by the truckload which is too much concrete for some projects. If doing it onsite was cheaper at quantity, you'd never see a concrete truck on the road -- all the big construction sites would be saving money by mixing onsite.
I have done it both ways...
Concrete trucks are about $80-120 / yd. mixing bags of concrete, assuming you have free aggregate and sand, is about $200 / yd