The X-date,
from the federal filing.

The X-date (expiration date) is the day a business’s current insurance policy term ends — the moment the account is genuinely in play. Commercial insurance producers build their pipeline around X-dates: contact the insured 60–120 days before the X-date and you’re quoting while the renewal is still open; call after it and you wait a full year. For trucking, the X-date is unusually knowable because federal law makes carriers file proof of liability coverage with FMCSA.

Every for-hire motor carrier must have its insurer file a BMC-91 or BMC-91X (bodily injury / property damage liability) with FMCSA, and those filings — insurer, policy number, effective date — are public in the Licensing & Insurance system. Since commercial auto policies run 12-month terms, the filing’s effective date plus one year, rolled forward to the next future date, is the best public estimate of the renewal. This free X-date lookup does that computation live from the federal record for any USDOT number.

It’s an estimate, and an honest one: insurers are not required to re-file at every renewal, so a filing that has been on record for years still projects the correct month in most cases but can be wrong when a policy was rewritten mid-term or moved without a new filing. When the carrier’s filing history suggests the projection is less reliable, the result says so. For prospecting — deciding when to call — month-level accuracy is what matters, and that’s what the federal filing gives you.

Yes — no account, no credit card. Anonymous visitors get 3 full lookups per day; drop your email and that becomes 25 per day, free. Agencies that prospect at volume — every carrier in a state renewing next month, filtered by fleet size and safety profile — outgrow single lookups fast; that’s what Market Tracker does with the same federal data.

Live from the FMCSA Licensing & Insurance datasets on data.transportation.gov — the same federal source paid X-date services resell. Every lookup fetches the carrier’s current record; nothing is cached or stale, and the filings behind the estimate are shown so you can verify it yourself.

Yes — that’s Market Tracker, the paid product this tool is a slice of. It indexes every active USDOT carrier with an estimated renewal window, so you can pull “carriers in Texas with 10+ power units renewing in the next 60 days,” watch a book of DOTs for filing changes, and get X-date alerts by email. The single-carrier lookup on this page stays free.