Step-by-Step Guide: How to Get Your Own Trucking Authority
Provided by TAP Insurance – Experts in Truck Insurance for Texas Truckers
STEP 1: Form Your Business
Set up a legal business entity to operate under.
- Choose a name (matching your DOT filings)
- Register as an LLC, Corporation, or Sole Proprietor
- Get an EIN (Employer Identification Number) from the IRS
TIP: Make sure your business name matches your FMCSA registration exactly.
STEP 2: Apply for Your DOT & MC Numbers
Register with the FMCSA to become a licensed carrier.
- Go to: https://www.fmcsa.dot.gov
- File an OP-1 application to get your:
- USDOT Number (tracks safety records)
- MC Number (gives you authority to haul freight)
$300 filing fee is required
STEP 3: Set Up Your Truck Insurance
Before the FMCSA activates your authority, they must receive proof of coverage.
You’ll need:
- Primary Liability Insurance ($750K–$1M)
- Cargo Insurance (usually $100K+)
- Optional: Physical Damage, Bobtail/NTL, General Liability
Call TAP Insurance to shop the best rates from top-rated commercial carriers.
We’ll file your Form BMC-91X with the FMCSA for you.
STEP 4: File a BOC-3 (Process Agent Form)
This assigns a legal representative in each state where you operate.
- A BOC-3 must be filed by a third-party process agent
- TAP Insurance can refer you to one if needed
STEP 5: Register for UCR (Unified Carrier Registration)
If you cross state lines, you need to pay UCR fees annually.
STEP 6: Get IRP & IFTA if Operating Interstate
Register your vehicle for multi-state travel:
- IRP (International Registration Plan) – for apportioned plates
- IFTA (International Fuel Tax Agreement) – fuel tax reporting
Apply through your state’s DMV or motor carrier division (Texas: TxDMV)
STEP 7: Enroll in a Drug & Alcohol Testing Program
FMCSA requires enrollment in a DOT-compliant program if you’re operating CDL vehicles.
- Required for all CDL drivers operating under your authority
STEP 8: Get a DOT-Compliant ELD
You must have an Electronic Logging Device to track hours of service unless you qualify for an exemption.
STEP 9: Activate Your Authority
Once insurance is filed and your BOC-3 is submitted:
- FMCSA will grant your authority (can take 20–30 days)
- You’ll receive an active MC number and be eligible to haul freight
STEP 10: Get Load Ready
Now you’re set to start booking freight!
- Sign up for load boards like DAT or TruckStop
- Build broker relationships (many require COIs, W-9, etc.)
- Maintain records, renew UCR annually, and stay DOT compliant
Need Help With Truck Insurance?
TAP Insurance specializes in helping new authorities get fast, affordable coverage to hit the road confidently.
We’ll help you:
- Get the right coverage the first time
- File all required forms with the FMCSA
- Get fast COIs to book loads quickly
