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Can You Start a Trucking Business Without a Truck?

Starting a trucking business without a truck might sound impossible—but it’s not. In fact, many new freight business owners begin their journey this exact way. Whether you’re still saving for your first vehicle or want to test the waters before committing to ownership, renting a box truck is a practical and flexible option.

Let’s walk through how to do it, what to expect, and how to stay compliant with FMCSA and insurance requirements.

Starting a Trucking Business with a Rental Truck

If you don’t own a truck yet, you can still get your trucking business off the ground by renting a commercial vehicle. There are several reputable truck rental companies that offer box trucks suitable for freight operations, including:

  • Budget

  • Enterprise

  • Ryder

  • Penske

  • City Rent A Truck

These rentals are especially popular among hotshot drivers, local freight carriers, and courier services just starting out.

A Word of Caution on Availability and Cost

Since 2021, many areas have experienced a shortage of box trucks due to COVID-related supply chain issues. As a result, rental prices have increased significantly—sometimes to the point where leasing or buying may be more cost-effective in the long run.

Still, for many new trucking companies, renting is a smart way to get started while you build your customer base.

What You’ll Need for Insurance

Before you rent a truck, contact your insurance agent. They’ll need to know:

  • The type and size of truck you plan to rent

  • The VIN number once you’ve secured the vehicle

  • A general business description and your expected hauling operations

This information helps them provide accurate quotes and bind your commercial auto policy.

Can You Use the Rental Company’s Insurance?

Technically, yes—you can purchase basic insurance from the rental company, but here’s the catch:
That coverage won’t meet FMCSA requirements if you’re applying for interstate operating authority.

To operate legally under your own authority, your insurance company must file the proper forms with the FMCSA:

  • BMC-91 – Proof of public liability insurance

  • MCS-90 – Required policy endorsement for motor carriers

Without these filings, the FMCSA won’t issue your operating authority, even if you have insurance through the rental company.

Final Thoughts: You Can Start Without a Truck—Just Plan Carefully

So, can you start a trucking business without a truck? Absolutely. Renting a box truck is a practical way to enter the industry without a major upfront investment. Just make sure you:

  • Work with an insurance agent familiar with trucking

  • Understand your FMCSA filing requirements

  • Compare long-term rental costs with leasing or buying options

📲 Need help getting started? Our team can help you quote the right coverage, guide you through the federal filing process, and get you on the road—even if you don’t own a truck yet.

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