DOI License #0K77310 · Licensed CA broker since 2013 · Serving CA, TX, IL, AZ, NV, NC, WA EN RU

Commercial trucking & DOT/MC insurance — new authority welcome.

Owner-operators, new DOT/MC authority, long-haul, cargo and fleets. We place hard-to-cover trucking risks and issue COIs and filings fast.

New DOT/MC authority OK Same-day COIs & filings Owner-operator & fleet
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Why CoverToday

Built for trucking

New authority is hard to place and expensive in year one. We know which carriers price new DOT/MC reasonably, handle your federal filings (BMC-91, etc.), add cargo and trailer-interchange, and turn around certificates of insurance the same day so you never miss a load. Whether you run one truck or a growing fleet, we build the full program and keep your filings current.

Coverage

What it covers

Primary liability

The FMCSA-required coverage (commonly $750k–$1M) that lets you operate under your authority.

Motor truck cargo

Protects the freight you haul — most brokers require at least $100k.

Physical damage

Repairs or replaces your tractor and trailer after a crash, theft or fire.

Trailer interchange

Covers trailers you pull under an interchange agreement.

Non-trucking / bobtail

Coverage when you drive without a load or off-dispatch.

Pricing

How much it costs

New-authority owner-operators typically pay $12,000–$20,000 per year — roughly $1,000–$2,000 per month per tractor for a full package — because carriers price in the added risk of a fresh authority. Rates vary widely by state, lanes, commodity, truck value and driver history, and they drop significantly after about three years of clean operation. We shop trucking-specialist markets to get new authorities priced fairly and bundle liability, cargo and physical damage for the best total cost.

Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.

Requirements

Who needs it

If you operate under your own DOT/MC authority you must show the FMCSA proof of liability (and cargo for household goods) before your authority is granted — we provide the filings. Owner-operators leased to a carrier may only need non-trucking/bobtail and physical damage. Fleets need scheduled coverage with same-day COIs for brokers and shippers.

Simple process

How it works

1

Send your operation details

Authority status, units, radius, commodities, drivers.

2

We match the right carriers

We shop trucking-specialist markets for new and seasoned authority.

3

Filings & COIs same-day

We handle DOT/MC filings and issue COIs fast.

FAQ

Common questions

How much does new-authority truck insurance cost?

Usually $12,000–$20,000 per year, or about $1,000–$2,000 per month per tractor, depending on state, lanes, commodity and experience. It drops after ~3 clean years.

Can you cover brand-new DOT/MC authority?

Yes — we specialize in new-authority owner-operators that many agencies turn away.

Do I need insurance before I get my authority?

Yes. The FMCSA won’t activate your authority until your insurer files proof of the required liability (and cargo for household goods).

How fast can I get a COI?

Same day, often within the hour for existing clients.

What coverages do I need?

Typically primary liability, motor truck cargo, physical damage, and trailer interchange — we build the right mix for your operation.

What is a BMC-91 filing?

It’s the federal form your insurer files to prove you carry the FMCSA-required public liability. We handle it for you.

Do you do cargo and trailer interchange?

Yes — we build the full program: liability, cargo, physical damage and trailer interchange.

Will my rate go down over time?

Yes — after about three years of clean operation, trucking rates typically fall significantly.

Browse all FAQs

Guides

Learn more

How much does commercial truck insurance cost in California? (2026 guide) MC numbers in 2026 — FMCSA Motus registration & insurance, explained Commercial trucking insurance in California — DOT/MC owner-operator guide
Related coverage
Motor truck cargoMoving companiesBusiness insurance

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