Vehicle

Semi Truck and Trailer Insurance

Commercial semi truck insurance for owner-operators, for-hire motor carriers, and trucking companies—fast to quote, straightforward to place, and priced on how each operator actually runs. Available exclusively through appointed independent agents.

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  • 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 Semi Truck and Trailer Insurance?

A semi truck, also referred to as a tractor, 18-wheeler truck, or big rig, is a Class 7 or Class 8 power unit designed to haul trailers in long-haul and regional freight operations. Insurance for semi truck and trailer operations covers the power unit and the commercial auto liability exposure that arises from operating one of the most regulated vehicle types on US roads.

Commercial auto liability insurance is part of the operating structure for every semi truck and tractor operating for commercial purposes. For for-hire motor carriers, the FMCSA sets minimum liability limits, and a BMC-91X filing is part of activating and maintaining operating authority. The rate reflects each operator’s own safety record and operational profile, not a market average that treats every semi truck operation the same way.

Semi Truck Insurance Requirements

FMCSA insurance requirements for semi trucks operating as for-hire carriers in interstate commerce set minimum liability limits based on the type of operation and cargo:

  • $750,000—for-hire carriers transporting general freight in vehicles over 10,001 lbs.

  • $1,000,000—commonly specified by freight brokers and shippers regardless of the federal minimum; tractor-trailer insurance requirements in practice often reflect this higher limit.

The BMC-91X filing, submitted to the FMCSA as part of the policy placement process, is the document that places proof of coverage on record and is part of the authority activation process. An appointed agent can confirm the minimum tractor-trailer insurance requirements for a specific operation and state.

Who Is Commercial Semi Truck Insurance For?

Commercial insurance for semi trucks is available for any operation that puts a Class 7 or Class 8 power unit on the road for commercial purposes. Coverage is available through STAR Mutual's program for semi truck operations across 40 states and 30+ trucking classes.

Owner-Operators with Their Own Authority

Independent owner-operators running their own FMCSA MC authority carry primary auto liability as part of their operating structure. Semi truck insurance is available for new and established owner-operators across a range of trucking classes—general freight, flatbed, reefer, and more. New authority operators are welcome. The rate reflects the operator's own safety record and driving history.

Owner-Operators Leased to a Motor Carrier

Owner-operators leased to a motor carrier are typically covered under the carrier's primary liability policy while under dispatch—the lease agreement determines what the motor carrier covers and what the owner-operator carries independently. Physical damage for the tractor is available through the RTA partner program. An appointed agent can confirm the structure for a specific lease arrangement.

For-Hire Motor Carriers

For-hire motor carriers transporting freight under their own FMCSA operating authority carry ongoing liability exposure across the operation. Coverage is available at every stage—from new authority through established operations. BMC-91 filings are submitted as part of the policy placement process—carriers are in the program from the moment the policy is placed.

Trucking Companies

Multi-truck trucking companies managing semi truck and tractor fleets benefit from commercial semi truck insurance that reflects the specific profile of each scheduled unit and driver—not a one-size rate that lumps every truck in the fleet together. The program is available for a wide range of trucking classes across 40 states.

Owner-Operators with Their Own Authority

Independent owner-operators running their own FMCSA MC authority carry primary auto liability as part of their operating structure. Semi truck insurance is available for new and established owner-operators across a range of trucking classes—general freight, flatbed, reefer, and more. New authority operators are welcome. The rate reflects the operator's own safety record and driving history.

Owner-Operators Leased to a Motor Carrier

Owner-operators leased to a motor carrier are typically covered under the carrier's primary liability policy while under dispatch—the lease agreement determines what the motor carrier covers and what the owner-operator carries independently. Physical damage for the tractor is available through the RTA partner program. An appointed agent can confirm the structure for a specific lease arrangement.

For-Hire Motor Carriers

For-hire motor carriers transporting freight under their own FMCSA operating authority carry ongoing liability exposure across the operation. Coverage is available at every stage—from new authority through established operations. BMC-91 filings are submitted as part of the policy placement process—carriers are in the program from the moment the policy is placed.

Trucking Companies

Multi-truck trucking companies managing semi truck and tractor fleets benefit from commercial semi truck insurance that reflects the specific profile of each scheduled unit and driver—not a one-size rate that lumps every truck in the fleet together. The program is available for a wide range of trucking classes across 40 states.

Semi Truck and Tractor Types We Cover

Semi truck and tractor insurance is available across a range of configurations and operating profiles. An appointed agent can confirm eligibility for a specific vehicle and operation.

  • Day Cab Tractors—Class 7–8 power units without a sleeper berth; used in regional freight, short-haul, and local trucking operations.

  • Sleeper Cab Tractors—long-haul power units with an integrated sleeper berth; used in interstate freight operations by over-the-road drivers.

  • Tandem Axle Tractors—heavy-duty configurations carrying maximum freight weight; the primary power unit for standard 53-foot dry van, flatbed, and reefer trailer operations; the most common semi tractor configuration in general freight.

  • Single Axle Tractors—lighter configurations used in regional and local operations where maximum payload is not required.

  • Specialty Tractors—lowboy, oversize, and overweight operations; heavy haul tractors used in construction, industrial, and equipment transport.

18-Wheeler Insurance

An 18-wheeler, the standard combination of a Class 8 tractor and a 53-foot trailer running on 18 wheels, is the most common semi truck configuration in interstate freight. 18-wheeler insurance addresses the commercial auto liability exposure of the tractor, with physical damage and motor truck cargo available as additional coverages through the RTA partner program. An appointed agent can confirm 18-wheeler insurance coverage options for a specific operation and state.

Semi Truck Insurance Coverage

A complete semi truck insurance program involves several coverages, each addressing a different aspect of the operation’s exposure. The coverages below are available for semi truck and tractor operations through appointed independent agents.

Core Coverages

Additional Coverages

Semi Truck Insurance Cost

Semi truck insurance rates are determined by the specific profile of each operation, not a market average. The determination is individual: the rate reflects the operator’s own safety record and operating history. Several factors affecting semi truck insurance costs include:

  • Type of operation—general freight, flatbed, reefer, and specialty haul operations each carry different operating characteristics that factor into the rate.

  • Tractor configuration—day cab, sleeper cab, tandem axle, and specialty configurations are weighed in the rate.

  • Driving history—the safety record and CDL experience of scheduled operators are considered; prior violations and loss history are considered alongside.

  • Operating radius—local, regional, and long-haul interstate operations are rated differently based on the distance and geography of regular routes.

  • Cargo type—the nature of the freight being transported, including commodity type, value, and handling requirements, is weighed in the rate.

  • Coverage limits selected—the liability limit selected is weighed; freight brokers and shippers commonly specify minimum limits.

  • New authority or established operation—new authority and new venture semi truck operations typically carry higher initial premiums; the rate is reviewed at renewal as the operation builds a record.

An appointed agent can request a semi truck insurance quote for a specific operation and state.

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 Commercial Semi Truck 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.



States We Cover

Commercial semi truck insurance 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 semi truck operation and location.

Explore States We Cover

Semi Truck Operations We Cover

Semi trucks and tractors are used across a range of commercial trucking operations. An appointed agent can confirm eligibility for a specific operation and state.

  • General Freight—dry van, flatbed, and step-deck operations hauling mixed commodities.

  • Refrigerated Goods—reefer operations transporting temperature-sensitive cargo.

  • Hotshot & Expeditor—time-critical freight using medium-duty vehicles.

  • Dirt, Sand & Gravel—aggregate and construction material transport.

  • Auto Hauling—vehicle transport and dealership logistics.

  • For-Hire Trucking—motor carriers transporting goods for compensation under FMCSA authority.

Other Vehicle Types We Insure

Coverage is available for a wide range of commercial vehicles beyond semi trucks and tractors. An appointed agent can confirm eligibility for a specific vehicle type and operation.

  • Box Truck—local delivery and freight distribution.

  • Cargo Van—last-mile delivery and courier operations.

  • Flatbed—oversized loads, equipment, and construction materials.

  • Reefer / Refrigerated Truck—temperature-controlled transport.

  • Dump Truck—construction, excavation, and aggregate hauling.

  • Tow Truck—roadside assistance and recovery.

  • Car Hauler—vehicle transport and dealership logistics.

Frequently Asked Questions About Semi Truck and Trailer Insurance

What is primary liability insurance for a semi truck?

Primary liability insurance—also referred to as semi truck liability insurance—is the commercial auto liability policy filed with the FMCSA confirming a motor carrier meets federal financial responsibility requirements. For semi truck and tractor operations under FMCSA authority, it is the foundational coverage that is part of the operating authority activation process through the BMC-91X filing. BMC-91X and MCS-90 filings are submitted as part of the policy placement process. An appointed agent can confirm the primary liability structure appropriate for a specific operation.

Do owner-operators need their own semi truck insurance?

Owner-operators leased to a motor carrier are typically covered under the carrier's primary liability policy while under dispatch—the lease agreement determines what the motor carrier addresses and what the owner-operator carries independently. Owner-operator semi truck insurance is available for both independent owner-operators and leased owner-operators—an appointed agent can confirm the full coverage structure appropriate for a specific arrangement.

What insurance does a new semi truck authority need?

A new MC authority carries commercial auto liability insurance as part of its operating structure—and a BMC-91X filing on record with the FMCSA—before dispatching a single load. Beyond the regulatory minimum, most freight brokers and shippers specify motor truck cargo coverage as part of their requirements for working with a motor carrier. Physical damage coverage addresses repair or replacement costs for the tractor. Semi truck insurance for new authority operations is available across 40 states—an appointed agent can confirm the full coverage structure appropriate for a specific new authority operation.

New authority truck insurance

What is the difference between semi truck and tractor insurance?

Semi truck and tractor refer to the same vehicle—the power unit that hauls trailers. Semi truck is the common term used by drivers and operators; tractor is the technical and insurance industry term. Both terms refer to the same coverage—commercial semi truck insurance for Class 7 and Class 8 power units. The trailer is a separate scheduled unit—semi trailer insurance for physical damage is available through the RTA partner program, while commercial auto liability addresses the tractor's third-party liability exposure as the primary scheduled vehicle. An appointed agent can confirm the appropriate coverage structure for a specific tractor and trailer combination.

What does full coverage semi truck insurance include?

Full coverage semi truck insurance typically refers to a combination of commercial auto liability—addressing third-party bodily injury and property damage—and physical damage coverage, which addresses repair or replacement costs for the tractor following a collision, theft, fire, vandalism, or other covered events. Comprehensive and collision coverage are the two components of physical damage. Motor truck cargo, UM/UIM, and PIP may also be part of a complete program depending on the operation and state. An appointed agent can confirm the full coverage structure appropriate for a specific semi truck operation.

How much does semi truck insurance cost?

Commercial semi truck insurance premiums depend on the specific profile of each operation—tractor configuration, trucking class, driving history, operating radius, cargo type, and the coverage limits selected. New authority operations typically carry higher initial premiums, with the rate reviewed at renewal as the operation builds its own record. The rate reflects the operator's own record—not a market average. An appointed agent can request a semi truck insurance quote for a specific operation and state.

What Is Semi Truck and Trailer Insurance?

A semi truck, also referred to as a tractor, 18-wheeler truck, or big rig, is a Class 7 or Class 8 power unit designed to haul trailers in long-haul and regional freight operations. Insurance for semi truck and trailer operations covers the power unit and the commercial auto liability exposure that arises from operating one of the most regulated vehicle types on US roads.

Commercial auto liability insurance is part of the operating structure for every semi truck and tractor operating for commercial purposes. For for-hire motor carriers, the FMCSA sets minimum liability limits, and a BMC-91X filing is part of activating and maintaining operating authority. The rate reflects each operator’s own safety record and operational profile, not a market average that treats every semi truck operation the same way.

Semi Truck Insurance Requirements

FMCSA insurance requirements for semi trucks operating as for-hire carriers in interstate commerce set minimum liability limits based on the type of operation and cargo:

  • $750,000—for-hire carriers transporting general freight in vehicles over 10,001 lbs.

  • $1,000,000—commonly specified by freight brokers and shippers regardless of the federal minimum; tractor-trailer insurance requirements in practice often reflect this higher limit.

The BMC-91X filing, submitted to the FMCSA as part of the policy placement process, is the document that places proof of coverage on record and is part of the authority activation process. An appointed agent can confirm the minimum tractor-trailer insurance requirements for a specific operation and state.

Who Is Commercial Semi Truck Insurance For?

Commercial insurance for semi trucks is available for any operation that puts a Class 7 or Class 8 power unit on the road for commercial purposes. Coverage is available through STAR Mutual's program for semi truck operations across 40 states and 30+ trucking classes.

Owner-Operators with Their Own Authority

Independent owner-operators running their own FMCSA MC authority carry primary auto liability as part of their operating structure. Semi truck insurance is available for new and established owner-operators across a range of trucking classes—general freight, flatbed, reefer, and more. New authority operators are welcome. The rate reflects the operator's own safety record and driving history.

Owner-Operators Leased to a Motor Carrier

Owner-operators leased to a motor carrier are typically covered under the carrier's primary liability policy while under dispatch—the lease agreement determines what the motor carrier covers and what the owner-operator carries independently. Physical damage for the tractor is available through the RTA partner program. An appointed agent can confirm the structure for a specific lease arrangement.

For-Hire Motor Carriers

For-hire motor carriers transporting freight under their own FMCSA operating authority carry ongoing liability exposure across the operation. Coverage is available at every stage—from new authority through established operations. BMC-91 filings are submitted as part of the policy placement process—carriers are in the program from the moment the policy is placed.

Trucking Companies

Multi-truck trucking companies managing semi truck and tractor fleets benefit from commercial semi truck insurance that reflects the specific profile of each scheduled unit and driver—not a one-size rate that lumps every truck in the fleet together. The program is available for a wide range of trucking classes across 40 states.

Semi Truck and Tractor Types We Cover

Semi truck and tractor insurance is available across a range of configurations and operating profiles. An appointed agent can confirm eligibility for a specific vehicle and operation.

  • Day Cab Tractors—Class 7–8 power units without a sleeper berth; used in regional freight, short-haul, and local trucking operations.

  • Sleeper Cab Tractors—long-haul power units with an integrated sleeper berth; used in interstate freight operations by over-the-road drivers.

  • Tandem Axle Tractors—heavy-duty configurations carrying maximum freight weight; the primary power unit for standard 53-foot dry van, flatbed, and reefer trailer operations; the most common semi tractor configuration in general freight.

  • Single Axle Tractors—lighter configurations used in regional and local operations where maximum payload is not required.

  • Specialty Tractors—lowboy, oversize, and overweight operations; heavy haul tractors used in construction, industrial, and equipment transport.

18-Wheeler Insurance

An 18-wheeler, the standard combination of a Class 8 tractor and a 53-foot trailer running on 18 wheels, is the most common semi truck configuration in interstate freight. 18-wheeler insurance addresses the commercial auto liability exposure of the tractor, with physical damage and motor truck cargo available as additional coverages through the RTA partner program. An appointed agent can confirm 18-wheeler insurance coverage options for a specific operation and state.

Semi Truck Insurance Coverage

A complete semi truck insurance program involves several coverages, each addressing a different aspect of the operation’s exposure. The coverages below are available for semi truck and tractor operations through appointed independent agents.

Core Coverages

Additional Coverages

Semi Truck Insurance Cost

Semi truck insurance rates are determined by the specific profile of each operation, not a market average. The determination is individual: the rate reflects the operator’s own safety record and operating history. Several factors affecting semi truck insurance costs include:

  • Type of operation—general freight, flatbed, reefer, and specialty haul operations each carry different operating characteristics that factor into the rate.

  • Tractor configuration—day cab, sleeper cab, tandem axle, and specialty configurations are weighed in the rate.

  • Driving history—the safety record and CDL experience of scheduled operators are considered; prior violations and loss history are considered alongside.

  • Operating radius—local, regional, and long-haul interstate operations are rated differently based on the distance and geography of regular routes.

  • Cargo type—the nature of the freight being transported, including commodity type, value, and handling requirements, is weighed in the rate.

  • Coverage limits selected—the liability limit selected is weighed; freight brokers and shippers commonly specify minimum limits.

  • New authority or established operation—new authority and new venture semi truck operations typically carry higher initial premiums; the rate is reviewed at renewal as the operation builds a record.

An appointed agent can request a semi truck insurance quote for a specific operation and state.

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 Commercial Semi Truck 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.



States We Cover

Commercial semi truck insurance 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 semi truck operation and location.

Explore States We Cover

Semi Truck Operations We Cover

Semi trucks and tractors are used across a range of commercial trucking operations. An appointed agent can confirm eligibility for a specific operation and state.

  • General Freight—dry van, flatbed, and step-deck operations hauling mixed commodities.

  • Refrigerated Goods—reefer operations transporting temperature-sensitive cargo.

  • Hotshot & Expeditor—time-critical freight using medium-duty vehicles.

  • Dirt, Sand & Gravel—aggregate and construction material transport.

  • Auto Hauling—vehicle transport and dealership logistics.

  • For-Hire Trucking—motor carriers transporting goods for compensation under FMCSA authority.

Other Vehicle Types We Insure

Coverage is available for a wide range of commercial vehicles beyond semi trucks and tractors. An appointed agent can confirm eligibility for a specific vehicle type and operation.

  • Box Truck—local delivery and freight distribution.

  • Cargo Van—last-mile delivery and courier operations.

  • Flatbed—oversized loads, equipment, and construction materials.

  • Reefer / Refrigerated Truck—temperature-controlled transport.

  • Dump Truck—construction, excavation, and aggregate hauling.

  • Tow Truck—roadside assistance and recovery.

  • Car Hauler—vehicle transport and dealership logistics.

Frequently Asked Questions About Semi Truck and Trailer Insurance

What is primary liability insurance for a semi truck?

Primary liability insurance—also referred to as semi truck liability insurance—is the commercial auto liability policy filed with the FMCSA confirming a motor carrier meets federal financial responsibility requirements. For semi truck and tractor operations under FMCSA authority, it is the foundational coverage that is part of the operating authority activation process through the BMC-91X filing. BMC-91X and MCS-90 filings are submitted as part of the policy placement process. An appointed agent can confirm the primary liability structure appropriate for a specific operation.

Do owner-operators need their own semi truck insurance?

Owner-operators leased to a motor carrier are typically covered under the carrier's primary liability policy while under dispatch—the lease agreement determines what the motor carrier addresses and what the owner-operator carries independently. Owner-operator semi truck insurance is available for both independent owner-operators and leased owner-operators—an appointed agent can confirm the full coverage structure appropriate for a specific arrangement.

What insurance does a new semi truck authority need?

A new MC authority carries commercial auto liability insurance as part of its operating structure—and a BMC-91X filing on record with the FMCSA—before dispatching a single load. Beyond the regulatory minimum, most freight brokers and shippers specify motor truck cargo coverage as part of their requirements for working with a motor carrier. Physical damage coverage addresses repair or replacement costs for the tractor. Semi truck insurance for new authority operations is available across 40 states—an appointed agent can confirm the full coverage structure appropriate for a specific new authority operation.

New authority truck insurance

What is the difference between semi truck and tractor insurance?

Semi truck and tractor refer to the same vehicle—the power unit that hauls trailers. Semi truck is the common term used by drivers and operators; tractor is the technical and insurance industry term. Both terms refer to the same coverage—commercial semi truck insurance for Class 7 and Class 8 power units. The trailer is a separate scheduled unit—semi trailer insurance for physical damage is available through the RTA partner program, while commercial auto liability addresses the tractor's third-party liability exposure as the primary scheduled vehicle. An appointed agent can confirm the appropriate coverage structure for a specific tractor and trailer combination.

What does full coverage semi truck insurance include?

Full coverage semi truck insurance typically refers to a combination of commercial auto liability—addressing third-party bodily injury and property damage—and physical damage coverage, which addresses repair or replacement costs for the tractor following a collision, theft, fire, vandalism, or other covered events. Comprehensive and collision coverage are the two components of physical damage. Motor truck cargo, UM/UIM, and PIP may also be part of a complete program depending on the operation and state. An appointed agent can confirm the full coverage structure appropriate for a specific semi truck operation.

How much does semi truck insurance cost?

Commercial semi truck insurance premiums depend on the specific profile of each operation—tractor configuration, trucking class, driving history, operating radius, cargo type, and the coverage limits selected. New authority operations typically carry higher initial premiums, with the rate reviewed at renewal as the operation builds its own record. The rate reflects the operator's own record—not a market average. An appointed agent can request a semi truck insurance quote for a specific operation and state.

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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

Become a STAR Agent

Become a STAR Agent

Get access to unparalleled technology-based service to quote and bind your clients in minutes.

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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.

© 2026 - STAR Mutual RRG. All rights reserved.

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.

© 2026 - STAR Mutual RRG. All rights reserved.

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.

© 2026 - STAR Mutual RRG. All rights reserved.