Active authority,
no insurance filing on record.

16,594 US motor carriers running fewer than 50 trucks (5.12% of the 323,836 holding active FMCSA operating authority at that size) have no active BI/PD insurance filing on record. Between them they operate 43,614 power units. Updated August 25, 2026 from the public federal record.

What the cohort looks like
63%
had coverage on file that ended within the last 90 days
93%
had coverage on file that ended within the last year
45
have no filing of any kind in the public record

These are not ghost registrations. Nearly the entire cohort held coverage that reached the federal record at some point, and most of it ended recently: this is churn at the small end of the market, not carriers that never engaged with the filing system.

By state · highest share first
StateActive authorityNo BI/PD filingSharePower units
New Jersey9,3358078.64%1,887
Florida16,0601,1367.07%2,078
California44,4173,1077%7,330
Texas31,3572,1136.74%6,076
Louisiana2,0631286.2%364
North Carolina11,4067006.14%1,706
Delaware1,102676.08%111
Rhode Island858526.06%114
Nevada2,7021555.74%412
Georgia12,3777015.66%1,558
Arizona5,6723155.55%823
Mississippi3,0261625.35%353
South Carolina5,2402705.15%515
West Virginia1,188615.13%158
Indiana9,4144735.02%1,367
Virginia6,6733355.02%542
New York5,9832904.85%722
Alabama4,0331944.81%470
Ohio14,1566304.45%2,422
Connecticut2,7851224.38%282
Maryland6,2852744.36%668
Pennsylvania15,1926504.28%1,865
Utah3,1511354.28%430
Tennessee6,3162694.26%761
Kentucky3,8971644.21%565
Massachusetts4,4731794%443
Oklahoma3,6811463.97%505
Colorado4,7341843.89%405
Arkansas2,478953.83%167
Michigan6,3672413.79%511
Oregon3,9361473.73%506
Missouri6,3602333.66%636
Illinois19,0016763.56%2,965
New Hampshire1,013353.46%116
Washington7,9762703.39%771
New Mexico2,311783.38%192
Minnesota7,2102323.22%547
Wisconsin5,6861823.2%542
Idaho2,723843.08%220
Vermont519163.08%32
Maine946282.96%129
Kansas3,7571042.77%344
Wyoming1,343362.68%106
Nebraska3,699942.54%247
Montana1,362332.42%59
North Dakota1,808372.05%120
Iowa5,5441031.86%328
South Dakota1,824271.48%92

States with fewer than 500 carriers holding authority are included in the full CSV but omitted from the table, where small denominators make the percentages noisy.

Methodology

A carrier is counted when all of the following hold in the public FMCSA record, which we mirror daily: an active USDOT registration; active motor carrier operating authority; domiciled in the 50 states or DC; fewer than 50 power units; and no BI/PD insurance filing currently in effect.

“No active filing on record” is not the same claim as “operating uninsured.” Filing data lags reality, and since May 2026 FMCSA’s transition to its MOTUS systems has left part of current filing flow unpublished, so some counted carriers hold coverage whose filing has not yet reached the public record. The number measures the state of the federal record, and it is the record that regulators, brokers and shippers rely on.

Carriers with 50 or more power units are excluded because FMCSA grants self-insurance authority to carriers with sufficient financial resources and publishes no self-insurance dataset, which makes self-insured large fleets indistinguishable from uninsured ones. Mexico- and Canada-domiciled carriers are excluded because cross-border filing works differently; including Mexico-domiciled carriers alone would inflate the count by roughly a third.

Source data: FMCSA census, licensing and insurance datasets, mirrored daily. Cite as “NativeBase analysis of FMCSA data” with a link to this page. The state-level CSV is free to reuse with attribution. For row-level data or methodology questions, get in touch. Track any carrier’s filings, renewal estimates and safety record in Market Tracker.