Insurance Marketplace
Compare trucking insurance quotes without getting boxed into one option
Get matched with multiple trucking insurance providers, compare coverage side by side, and avoid overpaying just because you are a new authority or do not know which policy comes first.
first quotes for most carriers
typical annual savings when comparing
carriers guided through insurance choices
“We got three real quote options instead of one overpriced shrug. That alone saved us a painful amount of money.”
“The coverage breakdown finally made sense. We knew what to bind, what to skip, and what brokers would actually care about.”
How It Works
Three Steps to Better Insurance
Tell Us About Your Operation
Fill out a quick form with your business details, fleet info, and coverage needs. Takes about 5 minutes.
Get Matched With Providers
We send your information to multiple insurance providers who specialize in trucking, so you can compare real options instead of getting pushed into the first quote that answers the phone.
Compare Quotes & Save
Review side-by-side quotes, compare coverage and pricing, and choose the policy that fits your budget and needs.
One form, multiple providers, less time getting jerked around by insurance sales funnels.
Coverage
Types of Insurance You Need
Build the coverage stack brokers, shippers, and lenders expect. Start with the FMCSA minimums and add the protections that fit your operation.
Primary Liability (BMC-91)
Minimum: $750K–$1M
Covers bodily injury and property damage to others. Required by FMCSA before your authority goes active. Minimums depend on cargo type.
Cargo Insurance
Minimum: $100,000 standard
Protects the freight you haul against damage, theft, or loss. Nearly every broker and shipper requires it before tendering a load.
Physical Damage
Minimum: Based on vehicle value
Covers your own truck and trailer for collision, fire, theft, and weather damage. Required by lenders on financed equipment.
Bobtail Insurance
Minimum: $1,000,000
Covers your truck when driving without a trailer — heading to pick up a load or returning from a delivery.
Non-Trucking Liability
Minimum: $1,000,000
Covers personal use of your truck when you're not under dispatch. Typically required by carriers who lease owner-operators.
Occupational Accident
Minimum: Varies
Covers medical bills and lost income if you're injured on the job. Essential for owner-operators classified as independent contractors.
General Liability
Minimum: $1,000,000
Covers your business for slip-and-fall, property damage at customer locations, and other non-trucking claims.
Requirements
Insurance Requirements by Authority Type
Different authority types have different insurance requirements. Here's what you need depending on your operation.
Common Carrier (MC Authority)
- Primary liability insurance (BMC-91) — $750K minimum for general freight, $1M for household goods, $5M for hazmat
- BMC-91 filing must be on file with FMCSA before authority goes active
- Cargo insurance — not federally required but nearly all brokers require $100K+
- BOC-3 process agent designation
Contract Carrier (MC Authority)
- Primary liability insurance (BMC-91) — same minimums as common carriers
- Cargo insurance — required by contract with shippers
- BOC-3 process agent designation
Freight Broker (MC Authority)
- Surety bond or trust fund (BMC-84) — $75,000 minimum
- No liability insurance required (brokers don't operate trucks)
- BOC-3 process agent designation
FAQ
Common Insurance Questions
At minimum, you need primary liability insurance (BMC-91). For general freight, the FMCSA requires $750,000. Household goods movers need $1,000,000 and hazmat carriers need $5,000,000. Your BMC-91 filing must be on file with the FMCSA before your authority goes active.
For a single truck, expect $8,000–$16,000 per year for a full coverage package (liability + cargo + physical damage). New authorities typically pay more — $12,000–$20,000 — for the first 1–2 years. Rates drop significantly after you build a clean safety record.
Key factors include: years of experience, driving record (violations and accidents), type of cargo, operating radius, vehicle age and value, number of trucks, CSA scores, and whether you have a new or established authority. Dash cams and ELDs can earn discounts.
Yes, but your options are more limited and rates are higher. Not all insurers write new authorities, but several specialize in it — Progressive, Cover Whale, and Reliance Partners are good options. After 1–2 years of clean operations, you can shop for better rates.
Bobtail covers your truck when driving without a trailer for business purposes (like heading to pick up a load). Non-trucking liability covers personal use of your truck when you're not under dispatch. If you're leased to a carrier, they typically require one or both.
Technically, cargo insurance isn't mandated by the FMCSA for most carriers. However, virtually every broker and shipper requires it — you won't get loads without it. $100,000 is the standard minimum, and many brokers require specific commodity coverage.
Through our marketplace, you'll typically receive your first quotes within 24–48 hours. Some providers offer same-day quotes for straightforward operations. Getting your BMC-91 filed and active with the FMCSA usually takes an additional 3–5 business days.
Yes, you can switch at any time, but check for cancellation fees or short-rate penalties. Most policies allow cancellation with 30 days notice. The key is ensuring your new policy is active and your BMC-91 is updated before canceling the old one — any gap means your authority is suspended.
Our Insurance Partners
Ready to save?
Get Your Insurance Quotes Today
New carriers often save $2,000 to $4,000 per year just by comparing multiple quotes instead of taking the first painful offer.