Free tool
Trucking Insurance Commission Calculator
Enter the annual premium, your commission rate, and your producer split to see what a commercial trucking insurance policy pays you — per policy and per year. Commercial trucking liability commonly runs about 8–10% commission, and because policies renew, each account compounds. Estimates only; rates vary by carrier and agency.
By the XDate Alert Editorial Team — built on public FMCSA / MOTUS records and federal regulations, reviewed against primary sources.
Last updated .
Agency commission / policy
$1,260
Your earnings / policy
$630
≈ 4.5% of premium
Annual, 1 policy
$630
Renews each year the policy stays on the books.
Estimates only — actual rates and splits vary by carrier, market, and agency contract.
How trucking insurance commissions work
When an agency places a commercial trucking insurance policy, the carrier (the insurance company) pays the agency a commission — a percentage of the premium. For commercial trucking liability that percentage is commonly in the range of 8–10%, though it depends on the insurer, the program, and the specific coverage. The agency then pays the individual producer who wrote the account a split of that commission. So two numbers drive a producer’s income: the commission rate the agency earns, and the producer’s split of it.
On a $14,000 annual premium at a 9% commission, the agency earns about $1,260. If the producer is on a 50% split, the producer earns about $630 on that policy in year one — roughly 4.5% of the premium. Plug in your own numbers above to see your figures.
New business vs renewal
Commission economics often differ between new and renewal business. Some carriers pay a higher rate or a one-time bonus on new business, while renewals may carry a lower rate; producer splits can also differ. The advantage of renewals is durability — once an account is on the books, it tends to renew, and the commission recurs each year with little additional work.
Why recurring commission changes the math
Because trucking policies renew annually, a single closed account is not a one-time payment — it is an income stream. A policy worth $630 to a producer in year one is worth roughly that again every year it renews. Across a book, that recurring base is what separates a producer who is always chasing new deals from one with steady, compounding income. A commonly cited figure is that one closed trucking liability policy is worth $1,500–4,000 a year in total commission at the agency level.
Where the leads come from
The fastest way to add recurring commission is a reliable flow of carriers who must buy coverage. In trucking, federal records surface exactly those carriers: pending insurance cancellations, new operating authorities, and lapsed policies are all public the day they are filed. Each is a carrier on a deadline. See how trucking insurance leads work, check the latest cancellation data, or get the daily list for your state.
Sources
Frequently asked questions
What is the commission on a commercial trucking insurance policy?
Commercial trucking liability commissions typically run about 8–10% of the annual premium paid to the agency, though it varies by carrier, program, and line of coverage. On a $14,000 premium at 9%, the agency earns roughly $1,260; the producer then receives their split of that.
What is a producer split?
The producer split is the share of the agency's commission paid to the individual producer who wrote the account. Splits vary widely by agency contract — often somewhere between 40% and 60% — and depend on whether the producer is also servicing the account and on new vs renewal status.
Do trucking insurance commissions renew every year?
Yes — as long as the policy stays on the books and renews, the agency continues to earn commission each year, and the producer continues to earn their split. That recurring nature is why writing a single trucking account can be worth several thousand dollars over its lifetime.
Is commission lower on renewals than new business?
Often, yes. Some carriers pay a higher commission rate or bonus on new business than on renewals, and producer splits can differ between new and renewal as well. Enter your actual new or renewal rate in the calculator to see the difference.
Why are X-date and cancellation leads valuable for commission?
Because each closed policy pays recurring commission, a steady source of carriers who must buy coverage — like pending FMCSA cancellations — compounds. One closed trucking policy is commonly worth $1,500–4,000 a year in commission, so even a few extra closes a month materially change a producer's income.