Telematics-priced trucking, with two conditions people miss.
Nirvana prices trucking off your telematics data, which rewards a genuinely safe fleet — but the connection is required to quote AND to bind, they will not take new authority, and the premium finance company is theirs by rule.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What Nirvana is.
Priced off your own driving data
Nirvana connects to your ELD or telematics provider and prices from what your trucks actually do rather than from class averages. A fleet that runs clean and can prove it is the intended customer.
Without it — If your safety record is better than your class, average-based pricing is quietly overcharging you.
The telematics connection is mandatory
The connection is required both to quote and to bind. This is not a discount program with a data option; there is no version of it without the data.
Without it — Fleets that intend to connect "after bind" find there is no bind to connect after.
Two years of your own authority
Nirvana wants two or more years of your own DOT authority, and drivers with two or more years of US CDL experience. Non-fleet business runs one to nine units, with a separate ten-to-one-hundred fleet program.
Without it — It puts Nirvana firmly outside the new-authority conversation, whatever else fits.
What is excluded, and the finance rule
No dumps, hazmat, logging, waste, expedited or auto haulers. Hot shot is written. Intermodal and UIIA are permitted, which is unusual. You must use Nirvana’s premium finance company — no exceptions.
Without it — The finance rule is easy to skim past and decides how you pay for the year.
What people ask us about Nirvana.
Will Nirvana write a new authority?
No. Two years of your own DOT authority is a requirement, so a first-year carrier is out regardless of how good the equipment or the drivers are. It is worth knowing at year one and worth revisiting at year three, because a clean two-year record is exactly what this program is built to reward.
Will Nirvana write a hot shot?
Yes, provided you clear the two-year authority requirement that applies to everything here. Hot shot is an equipment class — a Class 3 to 5 truck pulling a gooseneck — and it sits inside the ordinary for-hire trucking Nirvana writes. If you are past two years with a clean record and a telematics connection you are willing to share, it is worth a submission.
What does the telematics connection actually see?
Driving behavior — hard braking, speed relative to limits, hours, following distance — from the ELD you already run for compliance. The reasonable question to ask before connecting is what happens to that data at renewal if the numbers go the wrong way, and it is a fair one to put to any usage-based program.
Do I really have to use their finance company?
Yes, and it is stated without exception. If you have an existing premium finance relationship you are happy with, that is a genuine reason to weigh Nirvana against a market with no such rule, especially if the pricing is close.
Is this appetite current?
It reflects the carrier’s own market guidance as of the third quarter of 2026, and appetite moves — classes get added, states get pulled, and tenure requirements tighten after a bad quarter. Treat it as a strong indication of whether you are worth submitting rather than as a promise of a quote. We check the live guidance before submitting anything.
Why go through a broker instead of buying direct?
Because it does not cost you anything, which is the part that surprises people. Broker compensation is built into the carrier’s rate whether you use one or not — buying direct does not remove the cost, it removes the person being paid to be on your side of it.
Also in this family
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.