Auto liability
Pays for injuries and damage you cause to others. FMCSA requires $750,000 for general freight — but most brokers won’t load you under $1M.
The protection file
Know what you’re paying to protect.
Navdy isn’t an insurance company — it’s your protection file. Understand every coverage you pay for, spot the gaps before they cost you, and walk into your next renewal with numbers instead of guesses.
$750KFMCSA liability minimum
6coverage types, explained plainly
Freecalculator & renewal checklist
Module 1 · Your coverage
What’s actually in your policy.
Most drivers can name their premium but not their limits. Here’s what each line on your declarations page means — in plain English, not policy-speak.
Physical damage
Collision and comprehensive for your own truck and trailer. Your lender probably requires it — and the stated value on the policy decides your payout.
Motor truck cargo
Covers the freight you’re hauling. Brokers typically require $100,000 — reefer, electronics, and high-value freight often need more.
General liability
Covers non-trucking incidents — someone hurt at your terminal, your shop, your yard. Your auto policy doesn’t touch these.
Trailer interchange
Covers trailers you pull but don’t own, under interchange agreements. No signed agreement, no coverage — get the paperwork before you hook up.
Non-trucking liability
Bobtail coverage for when you’re driving without a trailer or off dispatch. Your motor carrier’s policy stops when the dispatch does.
The fine print
Three lines that decide every claim.
Coverage names get the attention. These three decide what actually happens when something goes wrong.
Deductibles
What you pay out of pocket before coverage starts. A higher deductible lowers the premium — but the cash has to be there when it counts.
Exclusions
What the policy won’t cover — wear and tear, certain commodities, intentional acts. Read these before you need them, not after.
Limits
The maximum the policy pays — per occurrence and in total. A $1M limit doesn’t mean $1M for every claim: check per-occurrence vs. aggregate.
Module 2 · The math
Your premium, per mile.
Insurance feels abstract until you divide it by your miles. Type your numbers — the math stays on your phone, and the answer might change how you read your next quote.
Example: $18,000 ÷ 100,000 miles = $0.18 per mile. Your numbers, your answer.
$0.18
per mile
per mile
That’s $1,500 a month — before a single mile is driven.
Module 3 · Your next quote
What may affect your price.
Nobody can promise you a lower premium — not us, not anyone honest. But these are the levers underwriters actually look at. Know them before you shop.
Equipment
Age, value, and safety tech on your truck and trailer. Newer equipment with collision mitigation reads differently than a 15-year-old tractor.
Freight type
General freight, reefer, flatbed, hazmat — each carries different risk and different rates. Haul what’s on your policy, not just what’s on the trailer.
Operating radius
Local, regional, or 48-state. More states and more miles generally mean more exposure — and a different number.
Loss history
Claims and violations over the last 3–5 years. Your loss runs tell the story — pull them before your agent does.
Drivers
Experience, MVRs, and turnover. A clean, experienced driver list is one of the strongest signals you have.
Experience
Years in business and years with a CDL. New authorities pay more — that’s the market, not a conspiracy.
Limits & deductibles
Higher limits cost more; higher deductibles cost less. The trade-off is yours — make it on purpose, not by default.
Safety programs
Some insurers run programs that consider verified safety data or telematics. Ask your agent what’s actually on the table — credits vary widely.
Module 4 · Before your renewal
Walk in with a file, not a guess.
Navdy keeps your renewal date on the radar and your documents in one file. This checklist is what organized drivers bring to the conversation — print it, check the boxes, hand it to your agent.
Straight talk
What Navdy is — and isn’t.
What it is
A decision tool. It organizes what you already pay for, does the per-mile math, and keeps your renewal dates and documents in one file — so you ask better questions.
What it isn’t
Navdy is not an insurance company, broker, or agent. We don’t quote, place, bind, or guarantee coverage — and we don’t have insurance partners. Coverage decisions belong to you and a licensed professional.
FAQ
Insurance questions, straight answers.
No. Navdy is not an insurer, broker, or agent. We help you understand what you pay for and organize your documents — you keep your agent and your carrier.
We can’t promise any rate or discount — only your insurer sets those. What this page does is give you the math and the checklist to negotiate from strength instead of guessing.
If your liability filing lapses, FMCSA can revoke your operating authority — which means no loads, period. Insurers must give 35 days’ notice before canceling a filing, so read every notice the day it arrives.
Only you, unless you choose to share it. Your records are never sold and never sent to an insurer without your explicit say-so.
Get started
Get organized before renewal.
Join the waitlist for Navdy — your protection file, your per-mile math, and Navdy keeping the renewal dates. Free for drivers.