New Authority Insurance Without the Runaround
First year MC and DOT holders placed with carriers that actually write new ventures, in the 50 states we are licensed in.
New Authority insurance for trucking fleets in 50 states
Getting your MC and DOT numbers? We specialize in placing new authority risks that other agencies turn away. We'll structure a program that satisfies FMCSA on day one.
Prestige Trucking Insurance places new authority coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
Why new authority gets declined, and how we get it placed
Underwriters price uncertainty. With no loss runs and no CSA history, a first year carrier looks like an unknown, so many markets decline outright. The file that gets a yes shows verifiable driving experience, clean MVRs, a defined lane plan and a realistic revenue projection.
We prepare that submission with you before it goes out, then market it to the carriers that keep an appetite for new ventures. Filings go in as soon as the policy binds so your authority activates instead of sitting in pending status.
Do not shop your own authority to ten agents
Every agent who submits your file blocks that market for the others. Ten submissions on the same new venture burns your options in a week. Work one independent agency that controls the marketing plan and knows which carriers are open right now.
855-643-3881What a first year program includes
BMC-91X filing
Federal liability filing submitted the day coverage binds so the FMCSA can activate the authority.
Cargo and physical damage
Motor truck cargo at broker accepted limits plus physical damage that satisfies your lender.
Experience documentation
We package prior CDL experience and MVRs so the underwriter sees a driver, not a blank file.
Year two repricing
At renewal we remarket with real loss runs, which is where most new authority pricing finally moves.
First year carrier versus seasoned fleet
| Scenario | New authority | Three or more years in operation |
|---|---|---|
| Markets available | Limited appetite, fewer carriers | Broad competition on the file |
| Down payment | Typically higher | Often reduced with clean losses |
| Underwriting focus | Driver experience and MVRs | Loss runs and CSA scores |
Questions motor carriers ask
Can I get trucking insurance with a brand new MC number?
Yes. Carriers that write new ventures look at verifiable CDL experience, MVRs, the commodity you plan to haul and your radius. Prestige places first year authority every week across 50 states.
How fast can filings activate my authority?
Filings are usually transmitted the same business day coverage binds. FMCSA processing then governs the timeline, commonly a few business days.
What does new authority insurance cost?
Pricing depends on driver experience, radius, commodity, equipment value and requested limits, and first year rates run above seasoned fleet rates. A specialist can quote your specific operation at 855-643-3881.
Start My Authority Package
Tell us your experience and lanes. We will build the submission underwriters want to read.
Fleets of three or more power units across the 50 states we are licensed in.
New Authority coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending new authority limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs new authority coverage?
New Authority coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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- Zero hidden fees
A licensed specialist, not a call center.
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