Inspections: How Safety Scores Impact Truck Insurance Premiums

September 9, 2025

Less than perfect inspection? Not the end of the world.

Clear inspection? More of those could lower your commercial truck insurance premiums!

How good inspections can lead to lower premiums

Inspections directly impact your safety and basic scores, which directly impact your insurance premium.

But not all inspections are the same. For example more severe ones like operating without a CDL, use of a handheld device, or a flat tire are much worse than not having a mud flap or a slightly damaged windshield.

A minor violation won’t necessarily increase premiums

Ten Four Truck Insurance looks at every inspection on a case-by-case basis. We won’t automatically increase your premium for one little thing.

Good inspections will lower your safety scores, and therefore, lower your insurance premium.

Some motor carriers even have incentive programs for their owner operators to have clear inspections. This helps everyone out and will lower your insurance premium.

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