NEMT insurance pricing

How much does NEMT insurance cost?

There is no single average price that fits every NEMT business. We would rather give you an honest quote than publish a low teaser rate that may have little to do with your actual operation.

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No made-up rates

NEMT insurance is difficult to price without reviewing the full operation.

Two NEMT companies can look similar and still receive very different premiums. Even two one-vehicle businesses in the same state may have different pricing because the insurance company reviews the complete risk.

That is why NEMT.insure does not publish generic monthly prices or instant estimates. A number shown before reviewing the business could be misleading. We prefer to quote the operation correctly and explain the real options available.

What affects NEMT insurance cost?

The insurance company looks at more than the number of vehicles.

BUSINESS

Business experience

Pricing can be affected by how long the company has been in business, its prior insurance history, previous cancellations or lapses, and its claims history.

LOCATION

Location and garaging

The state, city, ZIP code, where the vehicles are kept overnight, and the areas where the business operates can all affect premium.

VEHICLES

Vehicle details

The insurance company may consider the type, age, condition and value of each vehicle, including sedans, SUVs, minivans, passenger vans and wheelchair-accessible vans.

OPERATIONS

How the vehicles are used

Operating radius, annual mileage, trip types, passenger services and equipment such as wheelchair lifts, ramps and securement systems may affect the quote.

DRIVERS

Driver information

Driver age, driving record, accidents, violations, years of driving experience and experience operating NEMT vehicles can affect eligibility and pricing.

COVERAGE

Coverage and limits

Premium changes based on liability limits, physical damage coverage, deductibles, general liability, sexual abuse and molestation coverage, workers’ compensation and broker requirements.

Possible discounts

Available discounts can also change the final premium.

Discounts are not the same with every insurance company, and not every business will qualify. They are another reason a generic online price can be inaccurate.

Discounts may include:

Telematics discountEFT or automatic payment discountMulti-policy discountPrior insurance discountPaperless discountOther carrier-specific discounts

Actual discounts depend on the insurance company, state, policy and applicant.

Monthly cost

Why an “average monthly price” can be misleading.

Commercial insurance may require a down payment followed by installments. The monthly payment is not always the annual premium divided by twelve. Taxes, fees, financing terms and the required down payment can change the payment schedule.

The best way to know the cost of NEMT insurance per month is to first obtain the annual quote, then review the available payment options.

Common questions

Simple answers about NEMT insurance pricing.

Can you give me an average NEMT insurance cost?

We can explain the factors that affect pricing, but an average may not reflect your business. A real quote is more useful because it is based on your vehicles, drivers, location, insurance history and coverage needs.

Does a new NEMT business pay more?

Sometimes, but not always. A new business has less operating and insurance history for the company to review. Driver experience, vehicle details and available insurance markets can still make a major difference.

Does a wheelchair-accessible van cost more to insure?

It may. Vehicle value, wheelchair equipment, passenger exposure and repair cost can affect the premium. The actual difference depends on the full quote.

Can discounts reduce the cost?

Yes. Depending on the insurance company, discounts may be available for telematics, automatic payments, multiple policies, prior insurance, paperless service and other qualifications.

A real quote is easier than you think

Give us a few details. We do the shopping.

Requesting an NEMT insurance quote does not require much time or effort on your end. Click Request a Quote and enter basic information about your business, vehicles, drivers, insurance history, and coverage needs.

After you submit the application, our team reviews the information and shops multiple insurance carriers to look for the best available rate and coverage for your business. If an insurance company needs anything else, we will contact you.

1

Complete the online application

Enter the information you already know. You can complete it at your own pace.

2

We compare insurance options

We shop multiple carriers and review the available rates, coverage, and requirements.

3

Review your quote

We prepare the insurance option for your business and contact you if additional information is needed.

You do not have to contact multiple insurance companies yourself. Start one quote request, and NEMT.insure will take it from there.

Get the real number

Request a quote based on your actual NEMT business.

Request a Quote