Getting your own authority is a big step — and insurance is one of the first (and most expensive) hurdles you’ll face. If you're asking, “How do I get trucking insurance with a new authority?” — you're in the right place.
✅ What Insurance Do You Need to Activate Your Authority?
The FMCSA requires the following coverages to activate your DOT and MC number:
Primary Auto Liability ($750,000 minimum — most brokers require $1M)
Optional but recommended:
Physical Damage (for your truck and trailer)
Non-Trucking Liability (NTL) or Bobtail coverage
Occupational Accident or Workers’ Comp
💰 What Does Insurance Cost for a New Authority?
It depends on several factors, including:
Your driving record and experience
Type of freight
Where you're running
Type and age of equipment
- The owners credit score
💡 On average, new authority insurance starts at $15,000–$25,000/year for a single truck — sometimes more for high-risk freight, bad credit or bad driving records.
⏱️ How Long Does It Take?
With Barbee Jackson Insurance, we can get you quoted and filed in 24–48 hours.
We’ll:
Run your MVR and application
Match you with the right carrier
File your insurance directly with the FMCSA
Help with your BOC-3 if needed
🛠️ Tips to Lower Your Premium as a New Venture
Use newer equipment (less than 10 years old)
Avoid high-risk freight (like autos or hazmat)
Run in favorable states (Georgia, Florida, Alabama, etc.)
Keep your MVR clean
Work with an agent who understands new authority filings
- Clean your credit up before getting a quote
📞 Ready to Get Rolling?
Don’t let insurance slow you down. We specialize in new trucking authorities, and we know how to get you on the road — fast.
👉 Call us at (850) 389-2001