What does truck insurance really cost? Check your DOT number.
Type your USDOT number and see your record the way an insurance underwriter will: what helps, what hurts, the date each problem leaves your record, and what one-truck policies in your state actually ran with Aronson Group.
Ask any question about your insurance with just your DOT number. The answers are tailored to your company, and it is free.
What underwriters look at on your DOT record
- Time in business. How long your authority has been active. New authorities pay more, and most markets open up as you pass one, two and three years.
- Inspections and out-of-service orders. Every inspection and out-of-service order from the last 24 months, with its date.
- Crashes. Reportable crashes in the last 24 months.
- CSA safety alerts. Each CSA BASIC over its alert line, and when the violations behind it age off.
- Safety rating. Satisfactory, Conditional, Unsatisfactory or not rated, and when it was given.
- Out-of-service rates. Your vehicle and driver out-of-service rates against the national average.
- Insurance history and paperwork. Liability on file, past cancellations, and whether your MCS-150 is current.
When your record clears up
Inspections, violations and out-of-service orders count for 24 months. The day one drops off, insurers that passed on you may take another look. We call that a market reopening, and it is when we re-shop your policy. The DOT check above lists your dates, and you can ask us to remind you or to shop it on that date.
What one-truck policies cost by state
The middle half of one-truck, new-business policies we placed over the last two years, by state. Half of the policies fell inside the range. Total annual premium.
| State | Middle half | Median | Policies |
|---|---|---|---|
| Alabama | $12,786 to $20,153 | $15,949 | 35 |
| Arizona | $9,089 to $15,730 | $12,483 | 38 |
| Arkansas | $8,444 to $14,307 | $12,527 | 23 |
| Colorado | $9,778 to $17,361 | $12,921 | 43 |
| Florida | $13,102 to $22,130 | $17,649 | 116 |
| Georgia | $11,168 to $19,974 | $14,504 | 185 |
| Illinois | $8,646 to $16,486 | $13,778 | 234 |
| Indiana | $6,324 to $14,553 | $11,409 | 89 |
| Iowa | $6,625 to $14,511 | $10,686 | 48 |
| Kentucky | $7,607 to $17,951 | $13,652 | 30 |
| Michigan | $8,360 to $17,362 | $13,080 | 82 |
| Minnesota | $3,923 to $13,667 | $6,834 | 67 |
| Mississippi | $8,363 to $20,153 | $18,130 | 35 |
| Missouri | $6,170 to $15,778 | $11,947 | 75 |
| Nebraska | $5,002 to $16,309 | $7,928 | 28 |
| Nevada | $10,476 to $19,521 | $14,572 | 26 |
| North Carolina | $8,558 to $15,429 | $12,227 | 49 |
| Ohio | $6,935 to $16,451 | $12,691 | 85 |
| Oklahoma | $6,669 to $16,712 | $13,216 | 20 |
| Pennsylvania | $7,613 to $20,030 | $13,502 | 77 |
| South Carolina | $8,642 to $18,316 | $13,764 | 32 |
| Tennessee | $7,783 to $16,896 | $13,230 | 43 |
| Texas | $9,696 to $21,197 | $15,915 | 268 |
| Utah | $8,051 to $15,597 | $13,480 | 21 |
| Virginia | $10,584 to $18,045 | $15,112 | 42 |
| Washington | $6,848 to $12,189 | $10,178 | 22 |
| Wisconsin | $5,713 to $13,096 | $9,775 | 42 |
| Wyoming | $8,938 to $13,849 | $11,084 | 21 |
Across all states, the median one-truck policy ran $13,453 a year (n 2010). States not listed had too few policies to show (KS, MD, MT, NM, OR), or we do not write trucking there right now (California, New Jersey, New York). These are ranges of policies we placed, not quotes.
What it costs by type of operation
| Operation | Median, one truck | Policies |
|---|---|---|
| Refrigerated | $17,543 | 78 |
| Flatbed | $15,981 | 165 |
| Dry Van | $14,864 | 312 |
| Hot Shot | $13,154 | 79 |
| Dump | $11,864 | 100 |
| Box Truck | $11,756 | 119 |
One-truck full-coverage policies on a tractor ran a median of $15,037 a year (n 201) vs $10,706 on a straight truck (n 62).
Questions truckers ask
How much does truck insurance cost for one truck?
The median one-truck policy Aronson Group placed over the last two years ran $13,453 a year, about $1,121 a month (n 2010). Your state, your operation and your DOT record move it up or down. Type your DOT number above to see how your own record reads.
Does a new authority pay more for truck insurance?
One-truck full-coverage medians by FMCSA profile: new authority $16,394 (n 548) vs 10+ years $13,659 (n 138); no out-of-service $14,395 (n 218) vs any $15,626 (n 163); 0 inspections $15,191 (n 737) vs 6+ $16,907 (n 25). These are premium levels compared across operators, not what one event adds.
When do out-of-service orders and violations stop counting against me?
Inspections, violations and out-of-service orders count for 24 months from the inspection date. When one leaves your record, markets that passed on you may reopen, and that is when we re-shop. The DOT check above shows the date each item drops off.
What do insurance underwriters look at on my DOT record?
How long your authority has been active, your inspections and out-of-service orders over the last 24 months, crashes, CSA safety alerts, your safety rating, your out-of-service rates against the national average, your insurance history and whether your MCS-150 is current.
Do truck insurance renewals always go up?
Not always. Median renewal change of +7.8%, and 27% of renewals went down, across 664 renewals.
Does checking my DOT number cost anything or affect my insurance?
No. The check is free, it reads only your public FMCSA record, and nothing is sent to an insurer unless you ask us to quote.
Get your actual number
Clients who saved with us saved an average of 31%. A licensed producer calls you back within one business day.
Get my quote or call 563-278-3399.
Aronson Group, 1900 Jefferson Ave, Bellevue, IA 52031. Figures are medians and ranges of policies Aronson Group placed, not quotes.