Coverage
For-Hire Trucking Insurance
For-hire truck insurance for motor carriers transporting goods for compensation under FMCSA operating authority. Coverage is available through STAR Mutual's program across 40 states—fast to quote, straightforward to place, and priced on how each motor carrier actually runs. Placed exclusively through appointed independent agents.
states
classes
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states
classes
reinsurers
online
Auto hauler. Owner-operator.
AZ
$12,867
Refrigerated goods hauling. Owner-operator.
CA
$10,390
Dirt, sand & gravel and refuse hauling, new venture. 1-5 vehicles.
FL
$14,095
Dry van / flatbed / LTL. Owner-operator.
GA
$8,109
Dry van / flatbed / LTL, new venture. 5-10 vehicles.
IL
$9,359
Refrigerated goods hauling, renewal, retained account. Owner-operator.
IN
$8,816
Dirt, sand & gravel and refuse hauling, $1,500,000 liability limits. Owner-operator.
NJ
$12,916
Dirt, sand & gravel and refuse hauling, new venture. 1-5 vehicles.
TX
$12,098
Dirt, sand & gravel, large fleet. 10+ vehicles.
TX
$11,829
Mixed fleet operations, large fleet, new venture. 10+ vehicles.
WA
$10,318
Reviewed by STAR Mutual RRG.
What Is For-Hire Trucking Insurance?
A for-hire carrier is a motor carrier that transports freight owned by others for compensation, as distinct from a private carrier that hauls its own goods. For-hire truckers range from single-truck owner-operators hauling under their own MC authority to regional and national motor carriers managing multi-unit fleets across interstate routes.
Trucking for hire insurance is commercial auto liability coverage available for motor carriers operating under FMCSA for-hire operating authority. Federal regulations set minimum financial responsibility requirements for for-hire carriers operating in interstate commerce, and continuous coverage is part of what keeps operating authority active.
For-Hire Trucking Insurance for Motor Carriers
For-hire motor carrier insurance is the financial responsibility instrument that is part of activating and maintaining FMCSA operating authority, and addresses the specifications of the freight brokers, shippers, and delivery networks the operation works with. For-hire motor carriers carry specific insurance obligations that private carriers and non-commercial operators do not.
Commercial motor carrier insurance is available through the program for for-hire carriers across 40 states and 30+ trucking classes. Performance-based pricing means each motor carrier’s rate reflects its own safety record, not the losses of the broader market. A motor carrier whose record holds is not subsidizing the risks of carriers that do not.
For-Hire Motor Carrier Insurance Coverage
A complete for-hire motor carrier insurance coverage program may involve several coverages, each addressing a different aspect of the operation’s exposure. The coverages below are available for for-hire trucking operations through appointed independent agents.
Core Coverages
Additional Coverages
Who Needs For-Hire Truck Insurance?
For-hire trucking insurance is available for any motor carrier transporting freight for compensation under FMCSA operating authority, from owner-operators running a single truck to growing trucking companies managing multi-unit fleets.
For-Hire Motor Carriers
Any motor carrier transporting freight for compensation in interstate commerce carries commercial auto liability as part of its operating structure. For-hire motor carrier insurance is part of activating and maintaining operating authority.
New Motor Carriers
New motor carriers—those who have recently received their MC number or are in the process of activating a new authority—carry the same FMCSA insurance structure as established carriers. New motor carrier insurance is available across 40 states and a wide range of trucking classes. The rate reflects each driver’s own record.
Owner-Operators
Independent owner-operators running their own FMCSA authority operate as for-hire motor carriers—carrying the same insurance obligations as larger trucking companies. For-hire truck insurance is available for owner-operators across general freight, flatbed, reefer, hotshot, and other trucking classes. New authority owner-operators are welcome in most states.
Small Fleets and Motor Carrier Companies
Small motor carrier companies managing two to nine trucks carry commercial auto liability exposure across the operation. Small fleet motor carrier insurance is available through the program. Each unit is reviewed on its own profile, and the rate reflects the specific safety record of the operation rather than a fleet average that lumps every truck together.
For-Hire Motor Carriers
Any motor carrier transporting freight for compensation in interstate commerce carries commercial auto liability as part of its operating structure. For-hire motor carrier insurance is part of activating and maintaining operating authority.
New Motor Carriers
New motor carriers—those who have recently received their MC number or are in the process of activating a new authority—carry the same FMCSA insurance structure as established carriers. New motor carrier insurance is available across 40 states and a wide range of trucking classes. The rate reflects each driver’s own record.
Owner-Operators
Independent owner-operators running their own FMCSA authority operate as for-hire motor carriers—carrying the same insurance obligations as larger trucking companies. For-hire truck insurance is available for owner-operators across general freight, flatbed, reefer, hotshot, and other trucking classes. New authority owner-operators are welcome in most states.
Small Fleets and Motor Carrier Companies
Small motor carrier companies managing two to nine trucks carry commercial auto liability exposure across the operation. Small fleet motor carrier insurance is available through the program. Each unit is reviewed on its own profile, and the rate reflects the specific safety record of the operation rather than a fleet average that lumps every truck together.
Vehicles and Operations We Cover
For-hire trucking insurance is available for a range of commercial vehicles and trucking operations. An appointed agent can confirm eligibility for a specific vehicle type, trucking class, and state.
Vehicles
Semi Truck / Tractor—Class 7–8 power units for long-haul and regional freight under FMCSA authority
Car Hauler—open and enclosed auto transport for dealerships, auctions, and vehicle shippers under for-hire authority
Flatbed—open-deck operations hauling construction materials, steel, lumber, and oversized loads
Reefer / Refrigerated Truck—temperature-controlled transport for food, pharmaceutical, and perishable goods
Dump Truck—construction, excavation, and aggregate hauling operations
Box Truck—local delivery, freight distribution, and last-mile operations
Cargo Van—last-mile delivery and courier operations under commercial authority
Tow Truck—roadside assistance and recovery operations under for-hire authority
Operations
General Freight—dry van, flatbed, and step-deck operations hauling mixed commodities across regional and interstate routes
Refrigerated Goods—reefer operations transporting temperature-sensitive cargo for food, pharmaceutical, and perishable goods distribution
Hotshot & Expeditor—time-critical freight using pickup trucks and medium-duty vehicles on gooseneck trailers
Dirt, Sand & Gravel—aggregate and construction material transport for owner-operators and multi-truck hauling companies
Last-Mile Delivery—for-hire delivery fleets operating box trucks and cargo vans under commercial authority
Vehicles
Semi Truck / Tractor—Class 7–8 power units for long-haul and regional freight under FMCSA authority
Car Hauler—open and enclosed auto transport for dealerships, auctions, and vehicle shippers under for-hire authority
Flatbed—open-deck operations hauling construction materials, steel, lumber, and oversized loads
Reefer / Refrigerated Truck—temperature-controlled transport for food, pharmaceutical, and perishable goods
Dump Truck—construction, excavation, and aggregate hauling operations
Box Truck—local delivery, freight distribution, and last-mile operations
Cargo Van—last-mile delivery and courier operations under commercial authority
Tow Truck—roadside assistance and recovery operations under for-hire authority
Operations
General Freight—dry van, flatbed, and step-deck operations hauling mixed commodities across regional and interstate routes
Refrigerated Goods—reefer operations transporting temperature-sensitive cargo for food, pharmaceutical, and perishable goods distribution
Hotshot & Expeditor—time-critical freight using pickup trucks and medium-duty vehicles on gooseneck trailers
Dirt, Sand & Gravel—aggregate and construction material transport for owner-operators and multi-truck hauling companies
Last-Mile Delivery—for-hire delivery fleets operating box trucks and cargo vans under commercial authority
For-Hire Motor Carrier Insurance Requirements
Motor carrier insurance structure varies by the type of operation, the commodities being transported, and the states in which the carrier operates.
For for-hire carriers operating in interstate commerce under FMCSA authority, federal motor carrier insurance requirements establish minimum liability limits based on vehicle weight and the nature of the freight:
$300,000—for-hire carriers transporting non-hazardous property in vehicles under 10,001 lbs GVWR.
$750,000—for-hire carriers transporting general freight in vehicles of 10,001 lbs GVWR and over; the baseline FMCSA minimum for most for-hire trucking operations.
$1,000,000—motor carriers transporting oil.
$5,000,000—motor carriers transporting hazardous materials.
Freight brokers and shippers commonly specify $1,000,000 regardless of the federal minimum. Hazardous materials and oil transport are not written under the program. For intrastate operations, state-specific commercial auto insurance requirements are in place and vary by state. An appointed agent can confirm the applicable structure for a specific operation and state.
For-Hire Operating Authority and FMCSA Insurance Filings
A for-hire motor carrier operating in interstate commerce carries for-hire operating authority issued by the FMCSA in the form of an MC number. The authority activation process involves a compliant commercial auto liability policy being in force and a BMC-91X filing being on record with the FMCSA.
The primary filings for for-hire motor carriers include:
BMC-91X—the federal filing used under the program, submitted by the insurer to FMCSA certifying that a liability policy meeting federal minimum requirements is in force.
MCS-90—a federally mandated endorsement attached to the policy that addresses public liability up to the federal minimum; issued with the policy where applicable.
Form E—a state filing for carriers holding intrastate authority; Form F is the corresponding state endorsement attached to the policy.
Motor carrier insurance filings are requested by the appointed agent at placement and submitted as part of the policy placement process where applicable. The motor carrier does not file directly.
For Agents Who Write Transportation
STAR Mutual gives agents who place trucking business a carrier that works: a clear appetite answer on every submission, a rate that holds at renewal, and a program that keeps safety-first operators on the book.
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Ready to Place For-Hire Trucking Coverage?
Same-day eligibility. Fast filings. A rate that reflects the operator’s own record. STAR Mutual is built for safety-first operators. For the agents who place them, it’s a program that holds at renewal. Long-term relationships start with the right appointment.
For-Hire Trucking Insurance Cost
For-hire trucking insurance cost is determined by the specific profile of each operation. Motor carrier insurance rates reflect the carrier’s own safety record, operational history, and the nature of the freight being transported. Several factors influence the final rate:
Trucking class and freight type—general freight, flatbed, reefer, tanker, and specialty operations each carry different operating characteristics that factor into the rate
Fleet size and vehicle configuration—single-truck operations and multi-unit fleets are rated on the specific profile of each scheduled unit.
Driving history—the safety record and CDL experience of scheduled operators are primary factors; prior violations and loss history are considered.
Operating radius—local, regional, and long-haul interstate operations are rated differently.
New or established operation—new motor carriers typically carry higher initial premiums; the rate is reviewed at renewal as the operation builds a record.
Coverage limits selected—the liability limit selected factors into the rate; freight brokers and shippers commonly specify minimum limits
Prior insurance history—continuous prior coverage history is weighed in the rate
An appointed agent can request a motor carrier insurance quote for a specific operation and state.
States We Cover
For-hire trucking insurance is available across 40 states—from Texas and California to Pennsylvania and Illinois—through appointed independent agents. Coverage availability varies by operation type and state—an appointed agent can confirm availability for a specific for-hire trucking operation and location.
Explore States We Cover
Frequently Asked Questions About For-Hire Trucking Insurance
What is motor carrier insurance?
Motor carrier insurance—also referred to as for-hire trucking insurance or trucking for hire insurance—is commercial auto liability coverage available for motor carriers that transport freight for compensation under FMCSA operating authority. It addresses the carrier's financial responsibility to third parties and is the instrument through which FMCSA operating authority activation is initiated and maintained. It is distinct from private carrier coverage, which addresses companies hauling their own goods rather than freight owned by others.
What insurance does a for-hire motor carrier need?
At minimum, a for-hire motor carrier operating in interstate commerce carries commercial auto liability insurance in place—this is part of the operating authority activation process through the BMC-91 filing. Beyond the regulatory minimum, most freight brokers and shippers specify motor truck cargo insurance as part of their requirements for working with a motor carrier. Physical damage coverage addresses the insured vehicles. The full coverage structure varies by the type of operation, the states in which the carrier operates, and the specifications of the brokers and shippers the carrier works with. An appointed agent can confirm the coverage structure for a specific for-hire trucking operation.
What are the insurance requirements for motor carriers?
Federal motor carrier insurance requirements vary by the type of operation and the commodities being transported. For general freight carriers operating vehicles over 10,001 lbs in interstate commerce, the federal minimum is $750,000. Most freight brokers and shippers specify $1,000,000. Hazardous materials carriers carry higher minimums. For intrastate operations, state-specific requirements are in place. An appointed agent can confirm the applicable federal and state motor carrier insurance structure for a specific operation.
Do for-hire carriers need FMCSA insurance filings?
For-hire carriers operating in interstate commerce with vehicles of 10,001 lbs GVWR or more are subject to federal proof-of-coverage requirements, with a liability filing on record with FMCSA. Under the program, this is a BMC-91X, and the policy carries an MCS-90 endorsement where applicable. Filings are requested by the appointed agent at placement and submitted as part of the policy placement process; the motor carrier does not file directly. Carriers with intrastate authority may also be subject to a state Form E filing. An appointed agent can confirm the applicable filing requirements for a specific operation and state.
How much does motor carrier insurance cost?
Motor carrier insurance cost depends on the specific profile of each operation—trucking class, fleet size, driving history, operating radius, freight type, and the coverage limits selected. New motor carrier insurance typically carries a higher initial premium, with the rate reviewed at renewal as the operation builds its own record. The rate reflects the carrier's own record—not a market average. An appointed agent can request a motor carrier insurance quote for a specific operation and state.
Does motor carrier insurance include cargo coverage?
Commercial auto liability insurance addresses third-party bodily injury and property damage—it does not address the freight being transported. Motor carrier cargo insurance is a separate coverage—motor truck cargo insurance—that addresses loss or damage to freight in the carrier's care, custody, and control during transit. Most freight brokers and shippers specify both as part of their requirements for working with a motor carrier. An appointed agent can confirm whether cargo coverage is available for a specific operation and commodity type.
How do I get a motor carrier insurance quote?
Motor carrier insurance quotes are available through STAR Mutual's appointed independent agents across 40 states. The agent submits the operation details—trucking class, vehicle type, driver history, operating radius, and authority status; most submissions receive an immediate eligibility response, same day. The operator's current insurance agent can confirm whether they are appointed with STAR Mutual—if not, appointment is available through the 'Become an Appointed Agent' button.
Who places for-hire trucking insurance with STAR Mutual?
STAR Mutual places for-hire trucking insurance exclusively through appointed independent agents. The agent submits relevant account information in order to get a quote.
What Is For-Hire Trucking Insurance?
A for-hire carrier is a motor carrier that transports freight owned by others for compensation, as distinct from a private carrier that hauls its own goods. For-hire truckers range from single-truck owner-operators hauling under their own MC authority to regional and national motor carriers managing multi-unit fleets across interstate routes.
Trucking for hire insurance is commercial auto liability coverage available for motor carriers operating under FMCSA for-hire operating authority. Federal regulations set minimum financial responsibility requirements for for-hire carriers operating in interstate commerce, and continuous coverage is part of what keeps operating authority active.
For-Hire Trucking Insurance for Motor Carriers
For-hire motor carrier insurance is the financial responsibility instrument that is part of activating and maintaining FMCSA operating authority, and addresses the specifications of the freight brokers, shippers, and delivery networks the operation works with. For-hire motor carriers carry specific insurance obligations that private carriers and non-commercial operators do not.
Commercial motor carrier insurance is available through the program for for-hire carriers across 40 states and 30+ trucking classes. Performance-based pricing means each motor carrier’s rate reflects its own safety record, not the losses of the broader market. A motor carrier whose record holds is not subsidizing the risks of carriers that do not.
For-Hire Motor Carrier Insurance Coverage
A complete for-hire motor carrier insurance coverage program may involve several coverages, each addressing a different aspect of the operation’s exposure. The coverages below are available for for-hire trucking operations through appointed independent agents.
Core Coverages
Additional Coverages
Who Needs For-Hire Truck Insurance?
For-hire trucking insurance is available for any motor carrier transporting freight for compensation under FMCSA operating authority, from owner-operators running a single truck to growing trucking companies managing multi-unit fleets.
For-Hire Motor Carriers
Any motor carrier transporting freight for compensation in interstate commerce carries commercial auto liability as part of its operating structure. For-hire motor carrier insurance is part of activating and maintaining operating authority.
New Motor Carriers
New motor carriers—those who have recently received their MC number or are in the process of activating a new authority—carry the same FMCSA insurance structure as established carriers. New motor carrier insurance is available across 40 states and a wide range of trucking classes. The rate reflects each driver’s own record.
Owner-Operators
Independent owner-operators running their own FMCSA authority operate as for-hire motor carriers—carrying the same insurance obligations as larger trucking companies. For-hire truck insurance is available for owner-operators across general freight, flatbed, reefer, hotshot, and other trucking classes. New authority owner-operators are welcome in most states.
Small Fleets and Motor Carrier Companies
Small motor carrier companies managing two to nine trucks carry commercial auto liability exposure across the operation. Small fleet motor carrier insurance is available through the program. Each unit is reviewed on its own profile, and the rate reflects the specific safety record of the operation rather than a fleet average that lumps every truck together.
Vehicles and Operations We Cover
For-hire trucking insurance is available for a range of commercial vehicles and trucking operations. An appointed agent can confirm eligibility for a specific vehicle type, trucking class, and state.
Vehicles
Semi Truck / Tractor—Class 7–8 power units for long-haul and regional freight under FMCSA authority
Car Hauler—open and enclosed auto transport for dealerships, auctions, and vehicle shippers under for-hire authority
Flatbed—open-deck operations hauling construction materials, steel, lumber, and oversized loads
Reefer / Refrigerated Truck—temperature-controlled transport for food, pharmaceutical, and perishable goods
Dump Truck—construction, excavation, and aggregate hauling operations
Box Truck—local delivery, freight distribution, and last-mile operations
Cargo Van—last-mile delivery and courier operations under commercial authority
Tow Truck—roadside assistance and recovery operations under for-hire authority
Operations
General Freight—dry van, flatbed, and step-deck operations hauling mixed commodities across regional and interstate routes
Refrigerated Goods—reefer operations transporting temperature-sensitive cargo for food, pharmaceutical, and perishable goods distribution
Hotshot & Expeditor—time-critical freight using pickup trucks and medium-duty vehicles on gooseneck trailers
Dirt, Sand & Gravel—aggregate and construction material transport for owner-operators and multi-truck hauling companies
Last-Mile Delivery—for-hire delivery fleets operating box trucks and cargo vans under commercial authority
For-Hire Motor Carrier Insurance Requirements
Motor carrier insurance structure varies by the type of operation, the commodities being transported, and the states in which the carrier operates.
For for-hire carriers operating in interstate commerce under FMCSA authority, federal motor carrier insurance requirements establish minimum liability limits based on vehicle weight and the nature of the freight:
$300,000—for-hire carriers transporting non-hazardous property in vehicles under 10,001 lbs GVWR.
$750,000—for-hire carriers transporting general freight in vehicles of 10,001 lbs GVWR and over; the baseline FMCSA minimum for most for-hire trucking operations.
$1,000,000—motor carriers transporting oil.
$5,000,000—motor carriers transporting hazardous materials.
Freight brokers and shippers commonly specify $1,000,000 regardless of the federal minimum. Hazardous materials and oil transport are not written under the program. For intrastate operations, state-specific commercial auto insurance requirements are in place and vary by state. An appointed agent can confirm the applicable structure for a specific operation and state.
For-Hire Operating Authority and FMCSA Insurance Filings
A for-hire motor carrier operating in interstate commerce carries for-hire operating authority issued by the FMCSA in the form of an MC number. The authority activation process involves a compliant commercial auto liability policy being in force and a BMC-91X filing being on record with the FMCSA.
The primary filings for for-hire motor carriers include:
BMC-91X—the federal filing used under the program, submitted by the insurer to FMCSA certifying that a liability policy meeting federal minimum requirements is in force.
MCS-90—a federally mandated endorsement attached to the policy that addresses public liability up to the federal minimum; issued with the policy where applicable.
Form E—a state filing for carriers holding intrastate authority; Form F is the corresponding state endorsement attached to the policy.
Motor carrier insurance filings are requested by the appointed agent at placement and submitted as part of the policy placement process where applicable. The motor carrier does not file directly.
For Agents Who Write Transportation
STAR Mutual gives agents who place trucking business a carrier that works: a clear appetite answer on every submission, a rate that holds at renewal, and a program that keeps safety-first operators on the book.
Fast
Same-Day Eligibility
a fast, clear answer—same-business-day quote review
Fast Filings
BMC-91X and Form E/F filings in 24–48 hours of binding; COIs same day
Easy
Online from Quote to Bind
quote, bind, and service online—filings handled, COIs same-day
No-Interest Billing
zero-interest direct bill, no third-party finance company
Fair
Performance-Based Pricing
the rate reflects each operator's own safety record and history
Disciplined Pool
safety-first operators aren’t carrying the market’s losses
Ready to Place For-Hire Trucking Coverage?
Same-day eligibility. Fast filings. A rate that reflects the operator’s own record. STAR Mutual is built for safety-first operators. For the agents who place them, it’s a program that holds at renewal. Long-term relationships start with the right appointment.
For-Hire Trucking Insurance Cost
For-hire trucking insurance cost is determined by the specific profile of each operation. Motor carrier insurance rates reflect the carrier’s own safety record, operational history, and the nature of the freight being transported. Several factors influence the final rate:
Trucking class and freight type—general freight, flatbed, reefer, tanker, and specialty operations each carry different operating characteristics that factor into the rate
Fleet size and vehicle configuration—single-truck operations and multi-unit fleets are rated on the specific profile of each scheduled unit.
Driving history—the safety record and CDL experience of scheduled operators are primary factors; prior violations and loss history are considered.
Operating radius—local, regional, and long-haul interstate operations are rated differently.
New or established operation—new motor carriers typically carry higher initial premiums; the rate is reviewed at renewal as the operation builds a record.
Coverage limits selected—the liability limit selected factors into the rate; freight brokers and shippers commonly specify minimum limits
Prior insurance history—continuous prior coverage history is weighed in the rate
An appointed agent can request a motor carrier insurance quote for a specific operation and state.
States We Cover
For-hire trucking insurance is available across 40 states—from Texas and California to Pennsylvania and Illinois—through appointed independent agents. Coverage availability varies by operation type and state—an appointed agent can confirm availability for a specific for-hire trucking operation and location.
Explore States We Cover
Frequently Asked Questions About For-Hire Trucking Insurance
What is motor carrier insurance?
Motor carrier insurance—also referred to as for-hire trucking insurance or trucking for hire insurance—is commercial auto liability coverage available for motor carriers that transport freight for compensation under FMCSA operating authority. It addresses the carrier's financial responsibility to third parties and is the instrument through which FMCSA operating authority activation is initiated and maintained. It is distinct from private carrier coverage, which addresses companies hauling their own goods rather than freight owned by others.
What insurance does a for-hire motor carrier need?
At minimum, a for-hire motor carrier operating in interstate commerce carries commercial auto liability insurance in place—this is part of the operating authority activation process through the BMC-91 filing. Beyond the regulatory minimum, most freight brokers and shippers specify motor truck cargo insurance as part of their requirements for working with a motor carrier. Physical damage coverage addresses the insured vehicles. The full coverage structure varies by the type of operation, the states in which the carrier operates, and the specifications of the brokers and shippers the carrier works with. An appointed agent can confirm the coverage structure for a specific for-hire trucking operation.
What are the insurance requirements for motor carriers?
Federal motor carrier insurance requirements vary by the type of operation and the commodities being transported. For general freight carriers operating vehicles over 10,001 lbs in interstate commerce, the federal minimum is $750,000. Most freight brokers and shippers specify $1,000,000. Hazardous materials carriers carry higher minimums. For intrastate operations, state-specific requirements are in place. An appointed agent can confirm the applicable federal and state motor carrier insurance structure for a specific operation.
Do for-hire carriers need FMCSA insurance filings?
For-hire carriers operating in interstate commerce with vehicles of 10,001 lbs GVWR or more are subject to federal proof-of-coverage requirements, with a liability filing on record with FMCSA. Under the program, this is a BMC-91X, and the policy carries an MCS-90 endorsement where applicable. Filings are requested by the appointed agent at placement and submitted as part of the policy placement process; the motor carrier does not file directly. Carriers with intrastate authority may also be subject to a state Form E filing. An appointed agent can confirm the applicable filing requirements for a specific operation and state.
How much does motor carrier insurance cost?
Motor carrier insurance cost depends on the specific profile of each operation—trucking class, fleet size, driving history, operating radius, freight type, and the coverage limits selected. New motor carrier insurance typically carries a higher initial premium, with the rate reviewed at renewal as the operation builds its own record. The rate reflects the carrier's own record—not a market average. An appointed agent can request a motor carrier insurance quote for a specific operation and state.
Does motor carrier insurance include cargo coverage?
Commercial auto liability insurance addresses third-party bodily injury and property damage—it does not address the freight being transported. Motor carrier cargo insurance is a separate coverage—motor truck cargo insurance—that addresses loss or damage to freight in the carrier's care, custody, and control during transit. Most freight brokers and shippers specify both as part of their requirements for working with a motor carrier. An appointed agent can confirm whether cargo coverage is available for a specific operation and commodity type.
How do I get a motor carrier insurance quote?
Motor carrier insurance quotes are available through STAR Mutual's appointed independent agents across 40 states. The agent submits the operation details—trucking class, vehicle type, driver history, operating radius, and authority status; most submissions receive an immediate eligibility response, same day. The operator's current insurance agent can confirm whether they are appointed with STAR Mutual—if not, appointment is available through the 'Become an Appointed Agent' button.
Who places for-hire trucking insurance with STAR Mutual?
STAR Mutual places for-hire trucking insurance exclusively through appointed independent agents. The agent submits relevant account information in order to get a quote.
On this page
How to Get Insurance with STAR Mutual RRG
STAR Mutual insurance coverage is available exclusively through appointed independent agents—agents who know the program, understand the appetite, and can give a same-day answer on eligibility.
1
Ask the agent
The operator's current insurance agent can confirm whether they are appointed with STAR Mutual; if not, they can be appointed through the 'Get appointed' form submission.
2
Submit the operation details
The agent gets access to our platform and submits the operation details—vehicle type, trucking class, operating radius, and driver history. Most submissions receive an immediate eligibility response, same day.
3
Get the policy placed
Once eligible, the policy is placed online. COIs are available same day. BMC-91X and state filings are submitted as part of the placement process; the MCS-90 endorsement is issued with the policy.
Get appointed
Agent login
How to Get Insurance with STAR Mutual RRG
STAR Mutual insurance coverage is available exclusively through appointed independent agents—agents who know the program, understand the appetite, and can give a same-day answer on eligibility.
1
Ask the agent
The operator's current insurance agent can confirm whether they are appointed with STAR Mutual; if not, they can be appointed through the 'Get appointed' form submission.
2
Submit the operation details
The agent gets access to our platform and submits the operation details—vehicle type, trucking class, operating radius, and driver history. Most submissions receive an immediate eligibility response, same day.
3
Get the policy placed
Once eligible, the policy is placed online. COIs are available same day. BMC-91X and state filings are submitted as part of the placement process; the MCS-90 endorsement is issued with the policy.
Get appointed
Agent login
Related Resources
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Become a STAR Agent
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STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
STAR Mutual Risk Retention Group offers commercial auto liability insurance to the members of Reliable Transportation Association (“RTA”), looking for accessible and reliable coverage.
Contact
855-5MY-STAR (855-569-7827)
STAR Mutual RRG
PO Box 51414, Philadelphia
PA 19115
General inquiries:
Agent inquiries:
Claim inquiries:
Coverage
The information presented on this website is for general informational purposes only and does not constitute legal, regulatory, or business advice. Readers are encouraged to consult with qualified legal or insurance professionals regarding questions specific to their circumstances.
The content is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where STAR Mutual RRG is not licensed or registered. Any description of coverage is general and subject to the terms, conditions, and exclusions of the actual policy.
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