Your CSA, hours-of-service, MVRs, crashes, and inspections quietly decide what you pay to insure your trucks. X3 turns every one of those signals into a single Insurability Score — and shows you the exact fixes that raise it.
Most companies tell you to "stay compliant." Insurers tell you to "buy a policy." X3 owns the middle: become more insurable — and watch the number your underwriter prices you on go up.
Every CSA BASIC, crash, MVR, and inspection rolls into a single Insurability Score with its risk band.
Each factor shown in points, ranked — no black box. You see exactly why your number is what it is.
Each fix routes to the X3 product that handles it — challenge a violation, coach a driver, clean a file.
Watches CSA, HOS, MVR, crashes and driver history and keeps your Insurability Score current.
Tracks COIs, coverage limits, and shipper requirements — and warns you before a lapse.
Finds the specific fixes that make your fleet most attractive to underwriters.
X3 Insurability is compliance and risk-management software — not an insurance agency or broker. We don't sell, place, or quote insurance. We help you improve the compliance signals insurers price you on.
Tell us your renewal date and we'll track the runway — so you have time to raise your Insurability Score before underwriting, not after. We'll warn you as it approaches.
X3 Insurability is compliance software, not an insurance agency or broker — we track what you enter and help you improve the signals insurers price on. We don't sell, quote, or place insurance.
A team of specialized AI agents — each one a callable unit of compliance intelligence, grounded in the X3 DOT Skills corpus and verified 49 CFR.
Powered by the X3 DOT Skills corpus. Every answer quotes the actual regulation — never made up.
Not one chatbot — a crew. 7 specialists, each owning one part of the job, every answer grounded in the CFR and cited to the rule.
Answers any insurability question and explains what underwriters weigh.
Connects each CSA/SMS BASIC to how it moves your premium.
Reads your crash and roadside-inspection history the way an insurer will.
Checks operating authority and BIPD/BMC-91 insurance filings on file.
Interprets your loss runs and flags what drives your loss ratio.
Assembles an insurer-ready packet that tells your safety story.
Prioritizes the actions that most reduce premium and risk.
Every plan includes the full AI team and every tool — you only pay by how many trucks you run. Every plan starts with a 7-day free trial.
$299 base covers 30 trucks; each additional truck is $10/mo.
Start 7-day trialPrices in USD/month. Over 30 trucks billed at $299 base + $10 per additional truck. 100+ trucks — contact sales for a custom plan. Compliance assistance grounded in the CFR — not legal advice.