Commercial Truck Insurance Quotes Built From Your USDOT Number

1. Look up your USDOT number. We read the public FMCSA Company Census File so you don't have to retype power units, drivers or hazmat status.
2. See an estimate. The range comes from published industry averages (ATRI, Progressive Commercial and Schneider), adjusted for new authority, radius and hazmat. It isn't a quote.
3. Get real quotes. A licensed agent at Platinum Insurance checks your drivers, equipment and loss runs and shops the markets that write your kind of operation.

• Primary auto liability with the BMC-91X filing
• Physical damage for tractors and trailers
• Motor truck cargo and reefer breakdown
• Non-trucking liability for leased owner-operators
• General liability and occupational accident

Owner-operators, first-year authorities, hotshot haulers, dump and construction trucks, box trucks, reefer carriers and fleets of 1 to 25 power units. We're licensed in Maryland, Virginia, Pennsylvania, New Jersey, Florida and West Virginia.

• Primary auto liability: required by law, filed with FMCSA for for-hire interstate carriers.
• Motor truck cargo: usually required by brokers and shippers, not by federal law for general freight.
• Physical damage: covers your own truck and trailer, and is required by lenders and lessors.
• General liability: for premises and non-driving operations claims, often required by shippers and warehouses.
• Non-trucking liability and occupational accident: for leased owner-operators.
• Reefer breakdown: for refrigerated haulers.

We quote owner-operators, new authorities, small fleets, hotshot operators and box-truck carriers based in Maryland, Virginia, Pennsylvania, New Jersey, Florida and West Virginia. Freight brokers can get their BMC-84 broker bond through us as well.

The USDOT lookup at the top of the page reads your public FMCSA record, including fleet size, authority status and inspection history, so the estimate starts from real information rather than a blank form. A licensed agent then shops the actual markets.

Have these ready: your USDOT and MC numbers, the VIN, year and value of each truck and trailer, every driver's license number and date of birth (insurers pull MVRs), commodities with percentages, your radius and states, and 3–5 years of loss runs from prior insurers if you have them.

Underwriters also check your FMCSA record. That covers inspection and out-of-service history and safety ratings (public on SAFER) and crash history. Fixing data errors through FMCSA's DataQs system before you shop can make a real difference.

An agency that works with several trucking markets can compare them. Specialty markets and non-standard insurers accept new authorities and drivers with blemishes that standard carriers decline. See truck insurance cost for what moves price.

Make sure everyone is safe, call police when anyone is injured or vehicles must be towed, and photograph the scene, the vehicles, the load and the seal. Get the other parties' insurance information. Don't admit fault or sign anything except the police and inspection paperwork. Report the claim to your agent or insurer right away; most policies require prompt notice, and a late report can complicate coverage.

Under FMCSA rules (49 CFR 390.15), qualifying crashes must be recorded in your accident register, and drivers involved in certain crashes must be drug and alcohol tested under Part 382. For cargo, keep the bill of lading, delivery receipt notations, reefer download (if any) and photos. Exceptions noted at delivery are often what decides a cargo claim.

Brokers, shippers, warehouses and port equipment providers will ask for a certificate of insurance, often naming them as certificate holder or additional insured. Some also want a waiver of subrogation or specific limits. Send the contract to your agent before you sign, because a promise you make in a contract that your policy doesn't match is your problem, not the insurer's. Common requests include $1,000,000 auto liability, $100,000 cargo, general liability and trailer interchange for drayage.

Most coverage problems come from paperwork, not accidents. Add new trucks and drivers to the policy before they run, remove sold units, report radius or commodity changes, and pay installments on time. A cancellation for non-payment triggers an FMCSA filing cancellation and can take your authority down (see FMCSA insurance requirements). At renewal, request loss runs from your current insurer early so we can shop with them in hand.

• FMCSA – Insurance requirements (49 CFR 387)
• U.S. DOT Open Data – FMCSA Company Census File
• ATRI – An Analysis of the Operational Costs of Trucking, 2025 update
• Progressive Commercial – How much does commercial auto insurance cost?
• Schneider – How much is semi-truck insurance for owner-operators?