How the calculator works
The calculator is built on real pricing ranges we see across our carrier panel. It takes a base rate for your truck type, then applies multipliers for authority age, radius, commodity, truck value, and driver record.
This is an estimate, not a binding quote. Underwriters pull your MVR and PSP when they quote, and they weight things the calculator can't, prior at-fault claims, specific states of domicile, carrier appetite that changes by month. For a real number, call or text us.
What moves your number the most
- Authority age: new authority adds roughly 40% over a seasoned profile. This rolls off after 12–18 months.
- Driver record: a major violation adds ~30%. A clean record over 3 years takes a few percent off.
- Commodity: hazmat adds ~35%. Household goods adds ~15%. Dry van is the baseline.
- Radius: long haul adds ~20%. Local is ~10% cheaper.
- Truck value: over $150K adds a flat premium for the physical damage exposure.
After the calculator, get the real number
The fastest way to get an actual quote is to tell us about your operation and let us shop it across our 23+ carriers. Most new authority quotes come back the same day. Call or text Call or text 541-681-8793 or use our online form.