Trucking insurance X-dates from FMCSA filings
An X-date is the day a carrier's current policy expires. For trucking companies you can estimate it from FMCSA's public insurance filings: the filing shows the insurer and the policy's effective date, and most commercial auto policies run 12 months, so the anniversary is the likely renewal. Call 30 to 60 days ahead.
Right now 12,293 active carriers have an estimated renewal date in the next 60 days. Source: FMCSA L&I insurance filings, as of Oct 22, 2026 MT.
How X-dates are estimated from FMCSA filings
Every active for-hire carrier has a liability filing on record with FMCSA, naming the insurer and the policy's effective date. Assume a 12-month term and the next anniversary of that date is the estimated renewal. Estimated from FMCSA filings; confirm with the carrier.
When to call
- 60 days out: first contact, before the incumbent sends its renewal quote.
- 30 to 45 days out: the carrier has the renewal number and can compare.
- Inside 15 days: usually too late unless the renewal came back high.
Every new FMCSA applicant, scored and flagged by whether insurance is on file, the same morning FMCSA publishes it. $79/month, every state, every business day.
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Caveats
- Some policies run six months or have mid-term changes; confirm the date with the carrier.
- A new filing from a different insurer means the carrier switched; the old date no longer applies.
- Cancellation notices (BMC-35) are a separate, more urgent signal. See BMC-35 cancellations.
Getting X-dates for your states
CarrierDaily shows the current insurer, policy date and next renewal date for active carriers, so you call 60 days out, along with new applicants and cancellations in the same workspace. See how agents use it.
Questions
What is an X-date in trucking insurance?
The date a carrier's current policy expires. Agents use it to time their first call before the renewal.
How can I find a trucking company's insurance renewal date?
Estimate it from the policy effective date on the carrier's FMCSA liability filing, assuming a 12-month term, then confirm it with the carrier.
How far ahead should I quote a commercial truck insurance renewal?
Start 30 to 60 days before the X-date, early enough to beat the incumbent's renewal offer.
Every new FMCSA applicant, scored and flagged by whether insurance is on file, the same morning FMCSA publishes it. $79/month, every state, every business day.
Paid plans add phone and email from FMCSA filings where available.
Start your 7-day free trial Download a free sample (no email)
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Related guides
- BMC-35 trucking insurance cancellations: a guide for agents
- How to sell trucking insurance to new authorities
- How to find new trucking companies before they buy insurance
Sources and method. CarrierDaily analysis of public FMCSA data, Sep 22 to Oct 22 (30 feed days). Companies, not events: a published application already counted when filed is counted once. Source: Federal Motor Carrier Safety Administration data published on data.transportation.gov. CarrierDaily is not affiliated with or endorsed by FMCSA or the U.S. Department of Transportation.