Which factor is not used to determine trucker insurance premiums?

• A. Radius
• B. Age of the driver
• C. Type of business
• D. Territory garaged

Answer: (B)

The main idea is that trucker insurance premiums are driven by operational exposure and risk characteristics of the business. Factors like how far and where the truck operates (radius), what type of business it supports (fleet type, cargo, and risk level), and where the vehicle is garaged (territory) directly influence the likelihood and potential severity of losses, so they are used to price the policy. The age of the driver, however, is not used as a standalone rating factor in this context because a trucking policy typically covers multiple drivers and bases pricing more on overall fleet safety, driving records, and miles than on a single driver’s age. Therefore, driver age isn’t utilized in determining premiums.