CSA Score Checker & Insurance Impact
Look up your carrier profile and see how your safety record affects your insurance rates. Understand every BASIC category.
Look Up Your Carrier
Enter your DOT number to pull your basic carrier profile from FMCSA.
Rate Your BASIC Categories
Honestly assess your standing in each of the 7 BASIC categories. This drives your insurance impact estimate.
Unsafe Driving
HIGH Insurance ImpactSpeeding, reckless driving, improper lane changes, cell phone use, seatbelt violations, and other moving violations observed during inspections.
Hours of Service
MEDIUM Insurance ImpactHOS violations, logbook errors, driving beyond allowed hours, falsified records, and ELD compliance issues.
Driver Fitness
HIGH Insurance ImpactLicense issues, expired medical certificates, CDL violations, unqualified drivers, and driver qualification file gaps.
Controlled Substances / Alcohol
CRITICAL Insurance ImpactFailed drug or alcohol tests, test refusals, possession violations, and FMCSA Clearinghouse records.
Vehicle Maintenance
HIGH Insurance ImpactBrake problems, tire defects, lighting violations, out-of-service rates, and systematic maintenance program gaps.
Hazmat Compliance
HIGH for Hazmat CarriersHazmat-specific violations including placarding, shipping papers, packaging, and handling. Only relevant if you haul hazardous materials.
Crash Indicator
CRITICAL Insurance ImpactDOT-reportable crash involvement including fatalities, injuries requiring medical treatment, and tow-away crashes on your record.
Your Insurance Impact
Based on your self-assessment, here is how your safety profile likely affects your premiums.
Rate at least one BASIC category above to see your insurance impact estimate.
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Call 208-800-0640 Get a Free QuoteHow CSA Scores Affect Your Insurance
What CSA Stands For
Compliance, Safety, Accountability is FMCSA's enforcement and compliance program. It uses data from roadside inspections, crash reports, and investigation results to measure carrier safety performance. Carriers are scored in 7 Behavior Analysis and Safety Improvement Categories (BASICs) and compared against peers in their safety event group. Scores are percentile-based: a score of 85 means you are worse than 85% of comparable carriers.
The 7 BASICs Explained
Each BASIC measures a different dimension of safety. Unsafe Driving covers moving violations. Hours of Service tracks fatigue-related violations. Driver Fitness checks licensing and qualifications. Controlled Substances/Alcohol flags drug and alcohol issues. Vehicle Maintenance measures equipment condition. Hazmat Compliance covers hazardous materials handling (hazmat carriers only). Crash Indicator tracks DOT-reportable crash involvement. Each uses a 24-month rolling window with more recent violations weighted more heavily.
How Insurance Companies Use CSA Data
Insurance underwriters pull your SAFER system report, review your inspection history, and analyze crash reports. They look at your out-of-service (OOS) rates, the severity and frequency of violations, and your trend direction (improving or worsening). High CSA scores directly correlate with higher claim frequency, so carriers with elevated scores pay more — sometimes significantly more. Some insurers have hard thresholds: a Crash Indicator above 65% or a Substance BASIC with any violations can result in declination.
What You Can Do About Bad Scores
If your data is wrong, file a DataQs challenge at dataqs.fmcsa.dot.gov to dispute incorrect inspection results or crash records. For legitimate violations, the best strategy is time and improvement: CSA uses a 24-month rolling window, and violations older than 6 months get reduced weighting. Implement a systematic safety program, invest in driver training, keep equipment maintained, and your scores will improve. Some changes (like a clean inspection) can start improving your scores within weeks.
Crash Indicator and Vehicle Maintenance are the two BASICs that correlate most directly with insurance claims. A high score in either will cost you more than all other BASICs combined. Crash history is the single strongest predictor of future losses, and poor vehicle maintenance (especially brake and tire defects) is the leading cause of preventable accidents. If you can only focus on two areas, focus on these.