Coverage
New Authority Truck Insurance
Getting a new MC number is the start. Having the right insurance in place is what sets the activation process in motion. Commercial auto liability coverage is available through STAR Mutual’s program for new trucking companies, new owner-operators, and motor carriers starting operations under a new MC authority.
states
classes
reinsurers
online
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 New Authority Trucking Insurance?
“New authority” truck insurance is the term commonly used for commercial auto liability coverage, and the associated coverages that brokers and shippers specify, placed for motor carriers that have recently received their MC number.
Federal regulations set the insurance requirements for new trucking companies operating under FMCSA authority: a minimum of $750,000 in primary auto liability coverage for for-hire motor carriers operating under a new MC authority. Most freight brokers and shippers specify $1,000,000. The BMC-91X filing, submitted by the insurance company to the FMCSA, is the document that places proof of coverage on record and is part of the authority activation process.
New authority operations typically carry higher initial premiums than established motor carriers. This reflects the shorter operating history under the current authority. Prior CDL experience factors into the rate. A new authority with an established driving record is reflected differently than one without prior commercial history.
STAR Mutual RRG: Fast to place. Priced on the operator's own record. New authority welcome.
New Authority and New Venture Trucking Insurance
The terms new authority and new venture describe the same category of operator from different angles. New authority refers to the MC number status. New venture refers to how the operation is categorized for rating purposes: the operation has no prior insurance history under its current authority. In practice, every new MC authority is also a new venture, even when the operator behind it has years of CDL experience.
When reviewing a new authority operation, the following are considered:
Length of time the MC authority has been active
DOT registration and safety profile
Prior CDL experience and driving history of scheduled operators
Prior commercial auto insurance history
Operating class and the nature of the freight
Commercial Trucking Insurance Coverage for New Authorities
Primary liability is the foundational coverage the MC authority activation process depends on, but brokers, shippers, and the nature of the operation itself typically call for additional coverages as part of a complete program.
Who Is New Authority Truck Insurance For?
Commercial truck insurance for new companies starting their first year of operation is available for any trucking operation that has recently received its MC number or is in the process of activating a new commercial trucking authority. The program covers a range of new authority operations across 40 states, priced to the specific profile of each operation, not to a single new venture rate.
New Trucking Companies
Insurance for a new trucking company starts with commercial auto liability coverage in place before the first load is dispatched—it is part of the MC authority activation process through the BMC-91 filing. Coverage is available from the outset of operations across a wide range of trucking classes and business structures, with the rate set to the specific profile of the operation.
New Owner-Operators
Insurance for new owner-operators follows the same structure as any for-hire motor carrier—commercial auto liability and the coverages that brokers and shippers specify, in place before the first load is dispatched. Prior CDL history is taken into account when determining the rate even when the MC authority is new. Coverage is available across general freight, hotshot, last-mile delivery, and more.
New Motor Carriers
Each operation is reviewed on its own merits—the driving records of scheduled operators, the operating class, and the nature of the freight. New authority does not mean a single rate applies to every for-hire motor carrier in the same category.
New Trucking Companies
Insurance for a new trucking company starts with commercial auto liability coverage in place before the first load is dispatched—it is part of the MC authority activation process through the BMC-91 filing. Coverage is available from the outset of operations across a wide range of trucking classes and business structures, with the rate set to the specific profile of the operation.
New Owner-Operators
Insurance for new owner-operators follows the same structure as any for-hire motor carrier—commercial auto liability and the coverages that brokers and shippers specify, in place before the first load is dispatched. Prior CDL history is taken into account when determining the rate even when the MC authority is new. Coverage is available across general freight, hotshot, last-mile delivery, and more.
New Motor Carriers
Each operation is reviewed on its own merits—the driving records of scheduled operators, the operating class, and the nature of the freight. New authority does not mean a single rate applies to every for-hire motor carrier in the same category.
Insurance for New Trucking Companies
New trucking company insurance, for startup carriers, first-year operations, and new entrants, is reviewed on the same factors applied to all operations: the truck, the trucking class, the driving history of scheduled operators, and the operating radius. First-year trucking insurance typically carries higher initial premiums. This reflects the shorter operating history, not the capability of the business. Commercial truck insurance for new CDL drivers starting their own company takes prior commercial driving history into account even when the business itself is new. An experienced operator behind a new authority is reflected differently in the rate than one without prior commercial history.
New entrant trucking insurance is available across 40 states for a range of trucking classes. An appointed agent can confirm eligibility for a specific new trucking company operation.
New Authority Coverage for Different Commercial Vehicles
Coverage is available for a wide range of commercial vehicles across 40 states through appointed independent agents.
Semi Trucks / Tractors—Class 7 and Class 8 power units; new authority coverage available from the first day of operation
Box Trucks—local delivery and freight distribution
Cargo Vans—last-mile delivery and courier operations
Flatbed Trucks—oversized loads, equipment, and construction materials
Dump Trucks—construction and aggregate hauling
Tow Trucks—roadside assistance and recovery
Hotshot Trucks—time-sensitive freight delivery; a common starting point for new owner-operators
Reefer (Refrigerated) Trucks—temperature-controlled transport; new-venture eligibility varies by state
An appointed agent can confirm eligibility for a specific vehicle type and new authority operation.
For Agents Who Write Transportation
Finding an insurance company that accepts new venture trucking is the placement that builds the client relationship for the long term. The program is built to make that placement straightforward.
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 New Authority 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.
New Authority Truck Insurance Cost
The rate is set to the specific profile of each operation, not to a market average that treats every new authority the same way. Several factors influence the final rate:
Operating history—the length of time the MC authority has been active is weighed alongside the operator’s overall safety record
Driver experience—prior CDL experience and driving history of scheduled operators are primary factors; an established driving record is reflected in the rate
Vehicle type and value—the class and value of the insured vehicle are primary rating factors.
Type of operation—the trucking class and the nature of the freight are considered.
Operating radius—local, regional, and long-haul operations are rated differently.
Prior insurance history—continuous prior coverage history, even under a previous motor carrier’s authority, factors in
Prior violations and loss history—the overall safety record of scheduled operators is weighed
New authority operations typically carry higher initial premiums than established motor carriers—this reflects the shorter operating history. The rate is reviewed at renewal as the operation builds a record. That trajectory begins from the first renewal. An appointed agent can request a rate for a specific operation and state.
States We Cover
Commercial truck insurance for new authority operations is available across 40 states—from Texas and California to Florida and Illinois—through appointed independent agents. Coverage availability varies by operation type and state—an appointed agent can confirm availability for a specific new authority operation and location.
Explore States We Cover
Frequently Asked Questions about New Authority Truck Insurance
Is truck insurance available for a new MC number?
Yes. Insurance for a new MC number is available across 40+ states through STAR Mutual's commercial auto program. A new MC number means the authority is recently issued—not that coverage is unavailable. An appointed agent can confirm eligibility for a specific operation, vehicle type, and state.
What insurance does a new trucking company carry to begin operating?
At minimum, commercial auto liability insurance is in place before a new trucking company dispatches a single load—this is part of the MC authority activation process through the BMC-91X 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 repair or replacement costs for the insured vehicle. An appointed agent can confirm the coverage structure appropriate for a specific new authority operation.
Do new CDL drivers pay higher insurance rates?
Driving experience is a primary factor in determining the commercial auto rate for a new authority operation. Insurance for new CDL drivers starting their own authority takes prior commercial driving history into account—operators with CDL experience, even under a previous motor carrier's authority, bring that record to the eligibility review. First-year trucking insurance typically carries higher initial premiums for operators without prior commercial driving history—the rate reflects the absence of a driving record and is reviewed at renewal as the operation builds its own record.
How long after placing insurance does MC authority activate?
The BMC-91X filing is submitted to the FMCSA as part of the policy placement process—typically processed within 24–48 hours. The timeline for FMCSA processing varies—an appointed agent can confirm when the authority is active.
What is required to activate an MC number?
Two filings are part of the MC number activation process. The BMC-91X is submitted by the insurance company confirming that a commercial auto liability policy meeting federal minimum requirements is in force.
What Is New Authority Trucking Insurance?
“New authority” truck insurance is the term commonly used for commercial auto liability coverage, and the associated coverages that brokers and shippers specify, placed for motor carriers that have recently received their MC number.
Federal regulations set the insurance requirements for new trucking companies operating under FMCSA authority: a minimum of $750,000 in primary auto liability coverage for for-hire motor carriers operating under a new MC authority. Most freight brokers and shippers specify $1,000,000. The BMC-91X filing, submitted by the insurance company to the FMCSA, is the document that places proof of coverage on record and is part of the authority activation process.
New authority operations typically carry higher initial premiums than established motor carriers. This reflects the shorter operating history under the current authority. Prior CDL experience factors into the rate. A new authority with an established driving record is reflected differently than one without prior commercial history.
STAR Mutual RRG: Fast to place. Priced on the operator's own record. New authority welcome.
New Authority and New Venture Trucking Insurance
The terms new authority and new venture describe the same category of operator from different angles. New authority refers to the MC number status. New venture refers to how the operation is categorized for rating purposes: the operation has no prior insurance history under its current authority. In practice, every new MC authority is also a new venture, even when the operator behind it has years of CDL experience.
When reviewing a new authority operation, the following are considered:
Length of time the MC authority has been active
DOT registration and safety profile
Prior CDL experience and driving history of scheduled operators
Prior commercial auto insurance history
Operating class and the nature of the freight
Commercial Trucking Insurance Coverage for New Authorities
Primary liability is the foundational coverage the MC authority activation process depends on, but brokers, shippers, and the nature of the operation itself typically call for additional coverages as part of a complete program.
Who Is New Authority Truck Insurance For?
Commercial truck insurance for new companies starting their first year of operation is available for any trucking operation that has recently received its MC number or is in the process of activating a new commercial trucking authority. The program covers a range of new authority operations across 40 states, priced to the specific profile of each operation, not to a single new venture rate.
New Trucking Companies
Insurance for a new trucking company starts with commercial auto liability coverage in place before the first load is dispatched—it is part of the MC authority activation process through the BMC-91 filing. Coverage is available from the outset of operations across a wide range of trucking classes and business structures, with the rate set to the specific profile of the operation.
New Owner-Operators
Insurance for new owner-operators follows the same structure as any for-hire motor carrier—commercial auto liability and the coverages that brokers and shippers specify, in place before the first load is dispatched. Prior CDL history is taken into account when determining the rate even when the MC authority is new. Coverage is available across general freight, hotshot, last-mile delivery, and more.
New Motor Carriers
Each operation is reviewed on its own merits—the driving records of scheduled operators, the operating class, and the nature of the freight. New authority does not mean a single rate applies to every for-hire motor carrier in the same category.
Insurance for New Trucking Companies
New trucking company insurance, for startup carriers, first-year operations, and new entrants, is reviewed on the same factors applied to all operations: the truck, the trucking class, the driving history of scheduled operators, and the operating radius. First-year trucking insurance typically carries higher initial premiums. This reflects the shorter operating history, not the capability of the business. Commercial truck insurance for new CDL drivers starting their own company takes prior commercial driving history into account even when the business itself is new. An experienced operator behind a new authority is reflected differently in the rate than one without prior commercial history.
New entrant trucking insurance is available across 40 states for a range of trucking classes. An appointed agent can confirm eligibility for a specific new trucking company operation.
New Authority Coverage for Different Commercial Vehicles
Coverage is available for a wide range of commercial vehicles across 40 states through appointed independent agents.
Semi Trucks / Tractors—Class 7 and Class 8 power units; new authority coverage available from the first day of operation
Box Trucks—local delivery and freight distribution
Cargo Vans—last-mile delivery and courier operations
Flatbed Trucks—oversized loads, equipment, and construction materials
Dump Trucks—construction and aggregate hauling
Tow Trucks—roadside assistance and recovery
Hotshot Trucks—time-sensitive freight delivery; a common starting point for new owner-operators
Reefer (Refrigerated) Trucks—temperature-controlled transport; new-venture eligibility varies by state
An appointed agent can confirm eligibility for a specific vehicle type and new authority operation.
For Agents Who Write Transportation
Finding an insurance company that accepts new venture trucking is the placement that builds the client relationship for the long term. The program is built to make that placement straightforward.
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 New Authority 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.
New Authority Truck Insurance Cost
The rate is set to the specific profile of each operation, not to a market average that treats every new authority the same way. Several factors influence the final rate:
Operating history—the length of time the MC authority has been active is weighed alongside the operator’s overall safety record
Driver experience—prior CDL experience and driving history of scheduled operators are primary factors; an established driving record is reflected in the rate
Vehicle type and value—the class and value of the insured vehicle are primary rating factors.
Type of operation—the trucking class and the nature of the freight are considered.
Operating radius—local, regional, and long-haul operations are rated differently.
Prior insurance history—continuous prior coverage history, even under a previous motor carrier’s authority, factors in
Prior violations and loss history—the overall safety record of scheduled operators is weighed
New authority operations typically carry higher initial premiums than established motor carriers—this reflects the shorter operating history. The rate is reviewed at renewal as the operation builds a record. That trajectory begins from the first renewal. An appointed agent can request a rate for a specific operation and state.
States We Cover
Commercial truck insurance for new authority operations is available across 40 states—from Texas and California to Florida and Illinois—through appointed independent agents. Coverage availability varies by operation type and state—an appointed agent can confirm availability for a specific new authority operation and location.
Explore States We Cover
Frequently Asked Questions about New Authority Truck Insurance
Is truck insurance available for a new MC number?
Yes. Insurance for a new MC number is available across 40+ states through STAR Mutual's commercial auto program. A new MC number means the authority is recently issued—not that coverage is unavailable. An appointed agent can confirm eligibility for a specific operation, vehicle type, and state.
What insurance does a new trucking company carry to begin operating?
At minimum, commercial auto liability insurance is in place before a new trucking company dispatches a single load—this is part of the MC authority activation process through the BMC-91X 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 repair or replacement costs for the insured vehicle. An appointed agent can confirm the coverage structure appropriate for a specific new authority operation.
Do new CDL drivers pay higher insurance rates?
Driving experience is a primary factor in determining the commercial auto rate for a new authority operation. Insurance for new CDL drivers starting their own authority takes prior commercial driving history into account—operators with CDL experience, even under a previous motor carrier's authority, bring that record to the eligibility review. First-year trucking insurance typically carries higher initial premiums for operators without prior commercial driving history—the rate reflects the absence of a driving record and is reviewed at renewal as the operation builds its own record.
How long after placing insurance does MC authority activate?
The BMC-91X filing is submitted to the FMCSA as part of the policy placement process—typically processed within 24–48 hours. The timeline for FMCSA processing varies—an appointed agent can confirm when the authority is active.
What is required to activate an MC number?
Two filings are part of the MC number activation process. The BMC-91X is submitted by the insurance company confirming that a commercial auto liability policy meeting federal minimum requirements is in force.
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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
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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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