The X-date: filed when there is one,
estimated when there isn’t.

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 current filing’s effective date plus one year is the best public estimate of the renewal. It is deliberately never rolled forward. If that anniversary has already passed, the filing was not renewed on record, and we show the past date as-is; stale paper usually means self-insurance or a lapse, which is worth knowing. This free X-date lookup does that computation live from the federal record for any USDOT number.

A filed cancellation is a record: the insurer (or a replacement filing) has told FMCSA that the current BI/PD policy ends on a specific date, and that date is on file. An estimated X-date is a projection: the filing’s effective date plus a 12-month term. When FMCSA has a cancellation on file for the carrier’s current policy, this tool leads with that date and shows the estimate underneath; when it does not, the estimate is the answer. A cancellation on file says what was filed and when it takes effect. It does not say why, and it can be replaced by a new filing before it bites, so check current filings before you quote. A replacement-method cancellation is an insurer change on a known date, not coverage ending, and is labelled as such.

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, where the question is 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.