How to Start a Trucking Company in Florida
Florida has a massive construction, agriculture, and port trucking economy. Starting a trucking company in Florida is attractive due to no state income tax and warm-weather operations. However, insurance costs run 15-25% above national average due to litigation climate and hurricane exposure.
10-Step Process to Start Your Florida Trucking Company
- 1
Form your business entity
Register an LLC or corporation with the Florida Secretary of State. Most trucking startups form an LLC for liability protection and pass-through taxation. Filing fees vary by state ($50-$300). You'll need a unique business name, registered agent, and EIN from the IRS.
- 2
Get an EIN from the IRS
Apply for a Federal Employer Identification Number at irs.gov — free and instant online. You'll need the EIN for banking, tax filings, FMCSA applications, and insurance.
- 3
Apply for USDOT and MC numbers
File for interstate operating authority at Unified Registration System (URS) at https://www.fmcsa.dot.gov/registration. $300 fee for MC Authority. Processing takes 21 days minimum. Required for any for-hire interstate carrier.
- 4
Designate a BOC-3 process agent
File BOC-3 through a process agent service (typically $30-$50/year). Process agents accept legal paperwork on your behalf in every state you operate. Required before MC authority becomes active.
- 5
Register for UCR (Unified Carrier Registration)
Annual UCR fee based on fleet size ($41 for 1-2 trucks in 2026). Register at ucr.gov. Required for interstate carriers before operating.
- 6
Get commercial truck insurance
Most challenging step for new authorities. Full Coverage specializes in placing new authority carriers — we have relationships with carriers that specifically write day-one operations. Typical new authority insurance: $14K-$20K/year for one tractor with $1M liability, $100K cargo, physical damage, and NTL. We handle BMC-91 filing with FMCSA.
- 7
File BMC-91 insurance filing with FMCSA
Your insurance broker files BMC-91 (proof of $750K BIPD) electronically through FMCSA. This is what activates your MC authority. Without active BMC-91 on file, you cannot legally haul freight.
- 8
File Form 2290 for HVUT
Federal Heavy Vehicle Use Tax — $550 per truck over 55,000 lbs GVWR, filed annually with IRS Form 2290. Must be filed by August 31 for trucks first used in July, or within 30 days of first use.
- 9
Register for IFTA and IRP
IFTA (International Fuel Tax Agreement) for interstate fuel tax reporting. IRP (International Registration Plan) for apportioned truck registration across multiple states. File through your home state's DMV. Annual renewal required.
- 10
Complete FMCSA New Entrant Safety Audit
Within 18 months of getting your authority, FMCSA will conduct a safety audit of your operations. You must maintain driver qualification files, drug & alcohol testing records, hours-of-service logs, vehicle maintenance records, and accident records. Failure to pass = authority revocation.
Florida-Specific Requirements You Need to Know
Florida Filings Before Your First In-State Load
Federal rules cover trucks that cross state lines. These are Florida's own rules, read from the state's official pages.
- Who regulates in-state trucking
- The Florida Department of Transportation's Office of Motor Carrier Compliance and FMCSA run a Motor Carrier Registration Program for interstate and intrastate carriers. fdot.gov · checked 2026-10-21
The Florida Department of Transportation, Office Motor Carrier Compliance (OMCC), and Federal Motor Carrier Safety Administration (FMCSA), have implemented a Motor Carrier Registration Program for Interstate and Intrastate motor carriers.
- USDOT number for in-state trucks
- Florida requires intrastate carriers to register for a USDOT number and display it on power units; no registration fee for intrastate-only companies. flhsmv.gov · checked 2026-10-21
Registration fees may be applied for companies engaged in interstate commerce, but are not applied for companies solely engaged in intrastate operations.
- Minimum liability for in-state hauling
- Florida statute sets tiered minimums by weight: $50,000 per occurrence at 26,000-34,999 lb, $100,000 at 35,000-43,999 lb, $300,000 at 44,000 lb or more. leg.state.fl.us · checked 2026-10-21
Three hundred thousand dollars per occurrence for a commercial motor vehicle or qualified motor vehicle with a gross vehicle weight of 44,000 pounds or more.
- Also worth knowing
- Florida intrastate drivers may drive 12 hours after 10 consecutive hours off duty, a different limit from the federal 11 hours. flhsmv.gov · checked 2026-10-21
Driver may drive 12 hours after 10 consecutive hours off duty.
Ready to Start Your Florida Trucking Company?
Insurance is the hardest step for new authorities. Full Coverage specializes in placing new authority carriers — we have relationships with carriers that write day-one operations and handle BMC-91 filing within 24 hours of binding.