Will an insurer accept this driver?
Check a driver the way an underwriter will, before you hire them or add them to your policy.
The driver
Nothing you type is saved or sent anywhere. No names or license numbers.
Your result
Questions people ask6 short answers
How much experience does a driver need for truck insurance?
Most insurers want at least 2 years of verifiable CDL experience in the class of truck the driver will run. Some accept 1 year at a higher price. Under 1 year, options are very limited.
What's the minimum age for a truck driver on an insurance policy?
Federal rules require drivers to be 21 to drive a commercial truck across state lines, apart from a limited apprenticeship pilot. Many insurers set their own minimum at 23, and some at 25.
Why do some trucking companies hire new CDL drivers and others don't?
It's usually the insurance, not the company. Insurers that accept new drivers are fewer and cost more, so many carriers require 2 years because their policy does.
How do insurers verify driving experience?
They want proof, not the driver's word. The license photo shows the issue date, and an MVR may show the original issue date. If a license was renewed recently, an older license or past employment records fill the gap.
How long does a violation stay on a driver's record for insurance?
Most insurers look at the last 3 years for tickets and accidents, and many count them together, often allowing up to 3. Major violations like DUI or reckless driving usually count for 5 years or more.
Does one bad driver affect the whole fleet's insurance?
Yes. Your rate is set by your riskiest driver, not your best one, and one bad hire can show up in your safety record and your renewal. That's why it pays to check a driver before they start.
Who built this
I'm Alex Kuchkarov, an independent trucking insurance broker. The most avoidable renewal problem I see is a fleet owner who hired a driver first and asked the insurance question second. These are the common guidelines most insurers use; each insurer has its own rules, so treat the result as a starting point.
These are common underwriting guidelines, not any one insurer's rules. Final approval always depends on the driver's MVR.