Category reference

What trucking insurance leads cost in 2026

Two entirely different products are sold under this name, and comparing their prices without separating them produces nonsense. One is a monthly subscription to a feed of carriers identified from FMCSA filings. The other is a marketplace where you buy individual prospects one at a time. This page lists what each actually costs, with the date every figure was checked and an honest mark against every vendor that does not publish.

The short answer

FMCSA data subscriptions run about $39–999 a month, clustering at $99–299, and buy you a recurring list of carriers whose federal filings indicate they need coverage. Per-lead marketplaces charge $8–225 per lead depending on whether it is aged, shared, exclusive or a live transfer, and buy you one prospect who has already asked for a quote.

They answer different questions. A subscription answers who should I call. A marketplace lead answers who already wants a call. Most agents who are disappointed by one bought it expecting the other.

FMCSA data subscriptions, by published price

XDate Alert sits in this table at $39 a month for all 47 jurisdictions it covers, plus $4.99 a month for each colleague added, so a team of 5 is $58.96; since 2026-10-19 there is no per-state price. We publish that on the pricing section and it is the same number Stripe charges.

Per-lead marketplaces, by published price

The arithmetic, including the part that does not flatter us

The tempting calculation is to divide a subscription by the size of its book. Today the XDate Alert book holds 7,971 carriers whose filings give an open reason to talk about coverage, so $39 for all of it comes out at a few cents a name against $30–65 for one exclusive marketplace lead.

That comparison is not fair and we would rather say so than use it. A book is stock; a marketplace price is flow. Dividing one by the other compares a year of accumulated filings against a single prospect who has already raised their hand, and the resulting number would flatter every subscription in the table above, ours included.

The question that actually decides it is narrower: how many carriers appear each month in the states you write, and will you call them? A subscription buys a documented reason to call and leaves the calling to you. A marketplace lead buys someone who has already asked. An agent who will not make the calls should buy neither.

The honest way to compare is per state you actually write, not nationwide. Lead density varies enormously by state, so a subscription can be worth a great deal to an agent in Texas and very little to one who writes only a thin state. Our own state-by-state counts are published for exactly that reason.

What price does not tell you: which date a lead is built on

The largest quality difference in this category is invisible in a price list. A federal rule, 49 CFR 387.313(d), requires an insurer to notify FMCSA before it cancels a motor carrier’s policy. That produces a specific cancellation date on a specific public document. Products built on those filings are reporting a fact.

Renewal dates are different: nobody files them, so every product that sells them is estimating, and the useful question is what the estimate is anchored to. Some products use a carrier’s FMCSA registration anniversary. TruckerDB, to its credit, says so plainly on its own site — it calls the feature “Predictive Anniversary Targeting”. A registration date and the start date of the carrier’s current policy are usually not the same date.

XDate Alert’s renewal list uses the anniversary of the carrier’s current insurance filing itself, the date its present insurer started. We checked that against the source: of the filings that ended in June to October 2026, 56% ended in that exact anniversary week. It is still an estimate and is labelled as one. An agent comparing one $39–49 feed against another should know which date each product is built on, and whether a given lead is a filed cancellation or an estimated renewal, before comparing prices at all.

Method, and what this page cannot tell you

Every figure was read from the vendor’s own public pricing page on the date in the last column. Nothing here is inferred from a third-party comparison site, and no price has been extrapolated — where a vendor prices in tiers we quote the tiers, and where a vendor does not publish we write that it does not.

Three limitations. Prices change, and rows marked 2026-08-05 are the oldest here. Gated vendors may well be cheaper or dearer than anything listed here; we do not know. And list price is not what an agency with ten producers pays, because seat counts and annual commitments move the number in ways no public page shows.

We sell one of the products on this page, which is a conflict worth naming. The defence is that everything above is checkable against the vendors’ own pages in a few minutes, and we have marked our own row no differently from anyone else’s. If you find a figure that is wrong or out of date, tell us and we will correct it.