Truck insurance for a new authority. One form, up to three quotes.

Most new carriers call 25 agents to find one who'll write them. Fill this out once and up to three agencies that write new ventures send you their quotes.

Your MC can't go active until an insurance filing is on record. In First Load's data, half of the carriers still pending at day 60 have no insurance filing at all. This is the step that stalls people, and it's mostly a money and "who'll take me" problem.

Get up to 3 quotes

Pick your state to see which agencies would get your request.

USDOT number (if you have one)

State you'll operate from

Your name

Best phone

Best time to call

Truck year and make

VIN (optional, speeds up the quote)

Trailer

What you'll haul

Radius

Years with a CDL

Tickets or accidents, last 3 years

Had commercial truck insurance before?

Agencies that write new venturesOnly agencies that agreed to take first-year authorities and to our rules: licensed in your state, real people, no robocalls.

You compare, you chooseQuotes come to you. Say no to any of them. Nobody else gets your details.

Free for youAgencies may pay us for the introduction. The price you're quoted is theirs, not ours.

What new-venture truck insurance really costs

There's no single honest number. Your state, truck, cargo, radius, driving record, years with a CDL and how you pay all move it. Published new-venture examples put many one-truck operations somewhere between $12,000 and $30,000 a year in the first year, with 15 to 25 percent down common in some markets. Carriers on trucking forums report a wide range, from $6,500 for a liability-only hotshot to $60,000 and up in New York and New Jersey. Treat all of that as a budgeting range, not a quote.

Why so high? Insurers price uncertainty. A first-year authority has no loss history, no inspections and no operating record under its own MC, so most standard carriers won't write it at all and the ones that do charge a new-venture surcharge. That surcharge usually eases after 12 to 24 months of clean operation. Years driven for someone else don't count the way you'd hope; insurers look at CDL age and time under your own authority.

What an agent needs to quote you

Truck year, make and VIN, and the trailer type
What you'll haul and how far
Your state, your USDOT number if you have one, and when you plan to start
Years with a CDL and any tickets or accidents in the last three years
Whether you've had commercial truck insurance before

That's why the form above asks for it. An agent who has it can quote on the first call instead of the third.

How the filing works once you buy

You don't file anything with FMCSA yourself. Your insurance company files the BMC-91 or BMC-91X electronically, usually within a day or two of binding, and it shows on your public record after FMCSA posts it. FMCSA won't grant authority until that filing and your BOC-3 are on record and the review window from your application date has run, about three to four weeks from filing. Carriers who buy insurance in the third week after applying usually see their MC go active within a day or two of the filing. Buying on day one just means paying for a truck that can't roll yet.

Check your record any time: see what FMCSA shows for your number. And if you want an email the day your filing lands and the day your MC goes active, track it for free.

Common mistakes that delay the filing

The business name on the policy doesn't match the name on the FMCSA record, down to "LLC"
The policy's effective date is set after the day the filing is needed
Assuming the filing happened without checking the record
Buying the cheapest liability-only policy and finding out brokers want $1,000,000 auto and $100,000 cargo

Related guides

First Load is a private company, not FMCSA and not an insurance agency. We don't quote, sell or bind insurance; the agencies do. Figures above come from published agency and insurer guidance and from carrier reports; your quote can fall outside them.