Renewals

Owner-Operator Checklist: 60 Days Before Your Truck Insurance Renewal

By the State & Co Truck team · Updated November 14, 2026

The best renewal results come from starting early. Here is a simple checklist to work through about 60 days before your policy renews.

60 days out

• Pull your current declarations page and note every coverage, limit and deductible.
• Request currently valued loss runs from your insurer (and prior insurers if you have changed recently). Most carriers want three to five years.
• Check your FMCSA record: inspections, out-of-service rates and any open items.

45 days out

• Update your equipment list with VINs and current values.
• Update your driver list and order fresh MVRs.
• Write down any changes: new lanes, new freight, a larger radius or new customers.
• Send everything to your agent so the market can be shopped.

30 days out

• Review quotes line by line: total cost, down payment, coverage and exclusions.
• Ask about paid-in-full savings and any discounts you qualify for.
• Decide, and sign and return the application.

Before the renewal date

• Make the down payment and confirm the new carrier filed your BMC-91X.
• Get updated certificates out to your brokers and shippers.
• If you switched carriers, confirm the old policy's cancellation date so there is no gap.

Want us to run the checklist with you? Send your USDOT number and renewal date through our truck insurance quote form.