Insurers price your fleet off your public FMCSA record. X3 Insurability turns that record into a clear Insurability Score, shows you the exact fixes that raise it and how many points each one is worth, and tracks your renewal — so you walk into underwriting with your safety story working for you.
We pull the live FMCSA record and score it from the exposure-normalized CSA SMS BASIC percentiles — the same signals an underwriter weighs. Here’s a live sample — sign in to score your own fleet:
Live FMCSA via CarrierOK · your fleet fills the full dashboard after sign-up
When your premium jumps, the reason is already sitting in your CSA record: an alert BASIC, a rising out-of-service rate, a crash the underwriter counted. X3 reads those signals the way an insurer does, tells you which ones are hurting you most, and hands you the ranked fixes — before your renewal, not after.
Your Insurability Score, scored from exposure-normalized CSA percentiles — so a big fleet isn’t punished for size, and you see exactly where you stand.
Not just problems — a ranked plan: how many points each fix is worth, and which X3 product actually closes it.
Track your policy so you lock in quotes with your score working in your favor — and never lapse.
Log in to the Fleet Insurability Command Center — your score, the risks driving it, and the fixes that raise it. Every plan includes all of it plus the AI crew, each grounded in verified 49 CFR and cited to the rule.
Your morning dashboard: the Insurability Score with an A–F grade and trend, Driver / Vehicle / Compliance sub-scores, and the top three fixes — the whole fleet’s health on one screen.
How an underwriter may read your fleet across the real submission factors — years in business, driver quality, CSA, crash history, maintenance, safety rating — with an overall grade. A transparent readiness view, not a guaranteed decision.
Enter your USDOT and see your fleet the way an underwriter reads it — a 0–100 score, your band, the KPIs that matter, and every flagged BASIC with the governing rule cited.
The ranked list of what most raises your score — how many points each fix recovers, and which X3 product closes it. Work the biggest levers first.
Track your policy renewal with 90/60/30-day lapse warnings, so you quote at the right time with your safety story ready to present.
The renewal-submission checklist underwriters expect — mark what you have and X3 scores your readiness and flags the critical gaps to close before you quote.
Track every policy and certificate in one place — X3 flags expirations and any standard coverage you're missing against your requirements.
Paste your loss runs and X3 reads them into a claims analysis: frequency, severity, categories, patterns, and what they teach your renewal story.
Paste a shipper or broker contract and X3 extracts the insurance requirements — limits, additional-insured, waiver, indemnity, and certificates needed.
Every X3 product's signals for your fleet in one connected view — the executive brain that gets smarter as you use more of the platform.
Where you stand nationally on each CSA BASIC, and your out-of-service rates vs the FMCSA national average.
What-if: toggle the fixes you plan to make and see your projected Insurability Score before you commit.
One click assembles a broker- and board-ready submission packet — snapshot, safety story, corrective actions, document checklist.
Translates your safety record into cost-of-risk indicators leadership actually reads.
A shareable operational trust profile for shippers, brokers and lenders — backed by your public record.
Seventeen agents, each owning one part of the insurability picture — and every one backed by a real engine, not a persona. More come online as your other X3 products feed the shared brain. Every answer is grounded in verified 49 CFR and the X3 DOT Skills corpus, and cited to the rule — never made up.
X3 pulls your live FMCSA record — status, rating, insurance on file, crashes, and all seven CSA BASICs.
A 0–100 Insurability Score and band, with every flagged BASIC explained and cited to 49 CFR.
The Premium-Reduction Planner ranks the fixes by points recovered and routes each to the X3 product that closes it.
Track your renewal and walk into underwriting with a higher score and your safety story ready.
Priced by fleet size. Every tier gets all three tools and the full AI crew — nothing held back.
All three tools + the full AI team.
All three tools + the full AI team.
All three tools + the full AI team.
$299 base covers 30 trucks; each additional truck is $10/mo. (e.g. 45 trucks = $449.)
No. X3 Insurability doesn’t sell or quote insurance. It shows you the FMCSA data underwriters price off of, scores it, and hands you the fixes that improve it — so you go into your own renewal stronger. It’s decision support, not a policy.
Your public CSA SMS BASIC percentiles — already exposure-normalized by FMCSA for fleet size — deducted by severity into a 0–100 score. Crash and out-of-service counts are shown for context, not scored directly, so a large fleet isn’t punished for size. It’s a clearly-labeled modeled estimate, not an insurer quote.
Yes — one login across the X3 family. The Premium-Reduction Planner routes each fix to the product that closes it (HOS, Drug & Alcohol, MVR, DataQ, Preventability), so improving your insurability and your compliance are the same motion.
Add your policy to the Renewal & COI Tracker — it counts down to your renewal date with lapse warnings so you can quote at the right moment. Your insurance details are yours; they aren’t in the FMCSA record and you enter them.
See your Insurability Score, the fixes that raise it, and your renewal countdown — then walk into underwriting with your safety story working for you.
