STUART'S AUTOMOTIVE INC

STUART'S AUTOMOTIVE INC is a small fleet, operating 10 power units and 10 drivers, organized as an individual, based in Lowell, MA. Across 4 roadside inspections in the last 24 months, the fleet's 0.0% out-of-service rate sits below the 19.4% national average, with no reportable crashes on file. Recent BMC-91 insurance filing instability is flagged as HIGH on the insurance-lapse watch, and operating authority is active for common.

Brokers & shippers · booking check

Book with caution — review signals below

No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking.

Caution

Coverage resumed · Jan 1, 2015

Coverage resumed · Apr 16, 2015

Common (Property) reinstated · Apr 23, 2015

Policy effective · Jan 22, 2026

Review these

Insurance-lapse watch: HIGH Recent BMC-91 cancellation or instability without a clear replacement. Details →
Prior insurance gap · 32 days Nov 30, 2014 → Jan 1, 2015
Prior insurance gap · 40 days Mar 7, 2015 → Apr 16, 2015
Common (Property) gap · 136 days Inactive Dec 8, 2014 → reinstated Apr 23, 2015
OOS rate worse than size peers Vehicle 25.0% vs peer 9.10% Details →

On file

1 active operating authority
Insurance on file · $1,000,000 SAFETY INSURANCE CO. · 91X Details →
BOC-3 process agent on file NATIONAL RESIDENT AGENT SERVICE, INC. Details →

Built for brokers and shippers deciding whether to tender. Always confirm on FMCSA SAFER and L&I before booking — TruckCodex mirrors public filings and can lag by up to a day.

Plain-text risk summary (print / paste)

TruckCodex risk summary — STUART'S AUTOMOTIVE INC (USDOT 472537)
Verdict: CAUTION
Book with caution — review signals below
No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking.

Authority / census status: Active
Active BIPD limit: $1,000,000

Blockers:
  (none)

Cautions:
  • Insurance-lapse watch: HIGH — Recent BMC-91 cancellation or instability without a clear replacement.
  • Prior insurance gap · 32 days — Nov 30, 2014 → Jan 1, 2015
  • Prior insurance gap · 40 days — Mar 7, 2015 → Apr 16, 2015
  • Common (Property) gap · 136 days — Inactive Dec 8, 2014 → reinstated Apr 23, 2015
  • OOS rate worse than size peers — Vehicle 25.0% vs peer 9.10%

On file:
  • 1 active operating authority
  • Insurance on file · $1,000,000 — SAFETY INSURANCE CO. · 91X
  • BOC-3 process agent on file — NATIONAL RESIDENT AGENT SERVICE, INC.

Source: https://truckcodex.com/usdot/472537/
As of: Sep 21, 2026
Always confirm on FMCSA SAFER and L&I before tendering — TruckCodex mirrors public filings and can lag by up to a day.

USDOT 472537 Active INDIVIDUAL PRIVATE PROPERTY;AUTHORIZED FOR HIRE Owner: KEVIN STUART Additional owner: KENNETH STUART Motor Vehicles Based in LOWELL, MA Insurance watch: HIGH

FMCSA census as of Sep 21, 2026 · Sources · Freshness

TruckCodex · filing & peer scorecard

TruckCodex filing & peer scorecard · C

Composite of 4/5 scored components (mean 69/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.

C confidence 80% · 4/5 signals · expand

Authority / census

Active · 100/100

Active census status with no OOS order or revoked authority on file.

Insurance / BIPD

BIPD active · 100/100

Active BIPD/Primary-like policy on file in our insurance history.

OOS vs peers

Mixed vs peers · 40/100

Driver OOS 0% vs peer median 0% (neutral). Vehicle OOS 25% vs peer median 9.1% (worse). n=88719 same-size ACTIVE peers.

FMCSA safety rating

Unrated

FMCSA has not assigned this carrier a formal safety rating. We do not invent one.

NR reason: No published FMCSA safety_rating.

Insurance-watch tier

HIGH · 35/100

Insurance-lapse watch: HIGH.

TruckCodex filing & peer scorecard from authority, BIPD, peer OOS, FMCSA safety rating, and insurance-watch signals. Not a booking verdict and not legal advice. See methodology. Booking triage on this page: Caution.

Operating authority

Insurance

1 active liability filing

BOC-3 agent

NATIONAL RESIDENT AGENT SERVICE, INC.

Company profile

Company details

USDOT 472537

In FMCSA records since Feb 27, 1992 (~34y)

MC / docket MC732678

Entity INDIVIDUAL

Owner KEVIN STUART

Additional owner KENNETH STUART

Operation PRIVATE PROPERTY;AUTHORIZED FOR HIRE

Cargo carried

Motor Vehicles

Fleet size 10 units

Drivers 10

Annual mileage 75,000 mi

Contact & address

Phone: (978) 459-6629

Email: [email protected]

Physical

97 TANNER STREET

LOWELL, MA 01852

Mailing address matches physical.

Registration & safety rating

USDOT 472537

In FMCSA records since Feb 27, 1992 (~34y)

Entity INDIVIDUAL

Operation PRIVATE PROPERTY;AUTHORIZED FOR HIRE

Annual mileage (MCS-150) 75,000 mi

vs. National Average

Vehicle OOS Rate 25.0% vs 23.4% +1.6 pts

Driver OOS Rate 0.0% vs 6.7% -6.7 pts

Violations per Inspection 0.25 vs 1.80 -1.55

Peer tier (small fleets (≤10 power units)) median OOS rate: 50%

Active liability insurance

FMCSA cargo filing (BMC-34/83)

No active FMCSA cargo filing on file.

FMCSA L&I filing evidence — not a shipper certificate of insurance (COI). Cargo (BMC-34) is primarily an HHG / household-goods requirement; general freight carriers often have none.

Broker bond / trust (BMC-84/85)

No active broker surety bond or trust fund on file.

BMC-84 is a surety bond; BMC-85 is a trust-fund agreement. Required for property brokers / freight forwarders — not motor-carrier BIPD liability insurance.

Broker setup by MC age

Check brokers for this MC age

Based on FMCSA authority grant of 2015-04-23 (2,000+ days). Published gates only — not a guarantee they will accept. Confirm with the broker.

Related filings

Insurance
SAFETY INSURANCE CO.
Policy effective Jan 22, 2026
Process Agent
NATIONAL RESIDENT AGENT SERVICE, INC.
BOC-3 on file
Operating Authority
MC732678
ACTIVE

Fleet details (MCS-150)

Vehicle type	Owned	Term leased	Trip leased
Trucks	10	0	0

Self-reported on the carrier’s Form MCS-150 (FMCSA Company Census).

Inspections (24 months)

All 6 inspections →

	Driver	Vehicle	Hazmat
Inspections	4	4	0
OOS inspections	0	0	0
OOS percentage	0%	0%	—
National average	6.7%	23.4%	4.4%

Roadside inspections in the last 24 months. National averages are FMCSA MCSAP reference rates (driver ~6.7%, vehicle ~23.4%, hazmat ~4.4%).

Power Units

Drivers

Inspections

FMCSA roadside history on file

OOS Rate (peak)

25.0%

driver or vehicle, whichever higher

Crashes

None in last 24 months · all-time on file

Authorities

1 active

Carrier analysis & narrative context Status notes, risk intelligence, and safety profiles

Carrier is unrated

FMCSA has not assigned this carrier a formal safety rating. Use the inspection history and BASIC scores below to assess on-road performance.

Risk intelligence

STUART'S AUTOMOTIVE INC had 4 roadside inspections over the past 24 months with an out-of-service rate of 0.0%, which is below the national average of 19.4%. Their highest FMCSA BASIC percentile is Unsafe Driving at 2.0.

Inspection profile

4 roadside inspections over the last 24 months, concentrated in MA (2) and CT (1).

Violation profile

0.0% out-of-service rate, well below the 19.4% national average; led by Unsafe Driving (0.0% of violations); top code 393.87(a) (Warning flag required on projecting load) cited 1 times, 1 of them OOS.

Fleet profile

The fleet comprises 10 power units (small fleet) and 10 drivers; Hino and Peterbilt are the most-inspected makes.

Risk Signals

High OOS rate

Peak OOS rate of 25.0% is well above FMCSA MCSAP national averages (driver ~6.7%, vehicle ~23.4%).

Authority revoked

1 revocation on record.

Out-of-Service rate vs same-size peers FMCSA roadside inspections, % placed out-of-service

Compared against 88,719 ACTIVE carriers operating 5–15 power units (±50% of this carrier's 10 unit fleet).

This carrier — Driver OOS

Drivers placed out-of-service at roadside inspections

Peer median

Median across 88,719 same-size peers

Verdict

On par with peers

Delta 0 pts vs peer median (lower is safer)

This carrier — Vehicle OOS

25%

Vehicles placed out-of-service at roadside inspections

Peer median

9.1%

Median across 88,719 same-size peers

Verdict

Riskier than peers

Delta +15.9 pts vs peer median (lower is safer)

Authority gap detected (1)

Common (Property) authority was inactive from Dec 8, 2014 to Apr 23, 2015 (136 days)

Historical coverage gaps detected (2)

No active BIPD/Primary insurance from Nov 30, 2014 to Jan 1, 2015 (32 days)
No active BIPD/Primary insurance from Mar 7, 2015 to Apr 16, 2015 (40 days)

Inspection Analytics Monthly activity · BASIC mix · state map

Monthly Inspection Activity (6 months)

2024-03 2026-09

Violations by BASIC Category

Federal BASIC buckets for every citation issued against this carrier over the past 24 months.

Unsafe Driving

1 violation

Activity by State

States this carrier has been inspected in over the past 24 months.

State	Inspections	OOS %	Last Inspection
Massachusetts (MA)	2	0.0%	Mar 30, 2026
Connecticut (CT)	1	0.0%	Sep 18, 2026
New Hampshire (NH)	1	0.0%	Apr 2, 2025

Vehicle Fleet Top makes and models observed in roadside inspections

Make	Model	Inspections
Hino		4
Freightliner		1
Peterbilt		1

SMS BASIC Scores FMCSA Safety Measurement System per-BASIC scores

BASIC	Inspections	Serious	Measure	Percentile	Alert	As Of
Driver Fitness	0	—	0.00	0	—	Sep 21, 2026
Controlled Substances / Alcohol	0	—	0.00	0	—	Sep 21, 2026
Hours of Service	0	—	0.00	0	—	Sep 21, 2026
Unsafe Driving	1	—	2.17	2	—	Sep 21, 2026
Vehicle Maintenance	0	—	0.00	0	—	Sep 21, 2026

Higher percentiles indicate worse performance relative to peer carriers. Carriers at or above the FMCSA intervention threshold are marked ALERT.

Recent Inspections (6 rows) View all 6 →

Inspection #	Date ▼	State	Level	Station	Vehicle	Violations	Top Codes	OOS
89034427	Sep 18, 2026	CT	2	UNION SCALE	HINO STRAIGHT TRUCK MA 378 · 5PVNJ7BS9S5T50601	2	393.78A-WS, 393.9A-LIL	No
87438265	Mar 30, 2026	MA	3	H-LEICESTER	PETERBILT STRAIGHT TRUCK MA 378P · 2NPLHZ7X87M695587	1	392.16-D	No
84639483	May 6, 2025	MA	1	S-LOWELL	HINO STRAIGHT TRUCK MA 378N · 5PVNJ7BT1R5T50045	0	—	No
84303907	Apr 2, 2025	NH	2	WINDHAM SCALES SOUTHBOUND	HINO STRAIGHT TRUCK MA 378 · 5PVNJ7BT8R5T50043	0	—	No
82173712	Jul 22, 2024	MA	2	H-BERLIN	HINO STRAIGHT TRUCK MA 378P · 5PVNJ7AV8N5T50105	1	393.87(a)	Yes
81202815	Mar 27, 2024	CT	1	UNION SCALE	FREIGHTLINER STRAIGHT TRUCK MA 378H · 1FVACWFC8RHUW6813	0	—	No

Recent Crashes (7 rows)

Report #	Date ▼	State	Injuries	Tow	Hazmat	Severity
NYSP42565640	Oct 29, 2021	NY	0	Yes	No	Tow
MA1003727764	Sep 11, 2019	MA	0	Yes	No	Tow
MA1003248219	Jan 10, 2017	MA	1	Yes	No	Injury
MA1002727951	May 23, 2014	MA	1	No	No	Injury
MA1002634794	Dec 30, 2013	MA	0	Yes	No	Tow
MA1002183662	Oct 22, 2012	MA	0	Yes	No	Tow
MA1001442014	Jan 17, 2010	MA	1	No	No	Injury

Authority Records (1 docket)

View full authority record →

MC Certificate Documents (2 letters, 1 PDF available)

Authority Records (above) are FMCSA docket status and lifecycle events. MC Certificate Documents here are the archived PDF letters for each action — grants, reinstatements, revocations, name changes, and transfers. They are related but not the same dataset: one row per PDF letter, not one file per docket.

Each row is a distinct FMCSA letter (grant, reinstatement, revocation, name change, transfer, etc.). When a PDF is archived, click the link to open that letter. Rows without a link still show the action type and date from our index. FMCSA stopped publishing new daily certificate PDFs after the May 2026 Motus cutover — rows below are historical archive only.

Some letters share the same legacy archived file path — we show one PDF link for the primary document and list the other actions as metadata (type + date) until per-letter PDFs are re-extracted.

Date	Docket	Action	Authority	PDF
Apr 23, 2015	MC732678-C	Reinstatement Letter	Reinstatement	Metadata only
Jan 13, 2011	MC732678-C	Original MC Certificate	Revocation	Original MC Certificate →

Insurance Coverage Timeline (28 rows)

Every insurance policy on file, newest effective date first. Amber rows mark BIPD/Primary coverage gaps.

Insurer	Policy #	Type	Limit	Effective	Cancel	Status
SAFETY INSURANCE CO.	5938356	91X	$1,000,000	Jan 22, 2026	On file	ACTIVE
SAFETY INSURANCE CO.	5938356	BIPD/Primary	—	Nov 17, 2025	Jan 22, 2026	REPLACED
SAFETY INSURANCE CO.	5938356	BIPD/Primary	—	Nov 17, 2025	Feb 8, 2026	CANCELLED
SAFETY INSURANCE CO.	5938356	BIPD/Primary	—	Jan 1, 2025	Nov 17, 2025	REPLACED
SAFETY INSURANCE CO.	5938356	BIPD/Primary	—	Jan 1, 2025	Dec 6, 2025	CANCELLED
SAFETY INSURANCE CO.	2712099	BIPD/Primary	—	Jan 1, 2025	Jan 1, 2025	REPLACED
THE COMMERCE INSURANCE COMPANY	BJBCRL	BIPD/Primary	—	Jan 1, 2020	Jan 1, 2025	REPLACED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Sep 6, 2019	Mar 12, 2020	CANCELLED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Sep 6, 2019	Jan 1, 2020	REPLACED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Jul 9, 2019	Sep 14, 2019	CANCELLED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Jul 9, 2019	Sep 6, 2019	REPLACED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Jun 4, 2018	Jul 15, 2019	CANCELLED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Jun 4, 2018	Jul 9, 2019	REPLACED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Oct 4, 2017	Jun 4, 2018	REPLACED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Oct 4, 2017	Jun 15, 2018	CANCELLED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Sep 1, 2016	Oct 4, 2017	REPLACED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Sep 1, 2016	Oct 14, 2017	CANCELLED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	May 4, 2016	Sep 1, 2016	REPLACED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	May 4, 2016	Sep 15, 2016	CANCELLED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Apr 16, 2015	May 14, 2016	CANCELLED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Apr 16, 2015	May 4, 2016	REPLACED
Coverage gap — 40 days without BIPD/Primary coverage from Mar 7, 2015 to Apr 16, 2015
UNIVERSAL UNDERWRITERS INSURANCE CO.	339973	BIPD/Primary	—	Jan 1, 2015	Mar 7, 2015	CANCELLED
SAFETY INSURANCE CO.	2705034	BIPD/Primary	—	Jan 1, 2015	Jan 1, 2015	REPLACED
Coverage gap — 32 days without BIPD/Primary coverage from Nov 30, 2014 to Jan 1, 2015

Compliance Timeline Merged authority / insurance / enforcement events

Feb 8, 2026

insurance

TERM/CANCL — SAFETY INSURANCE CO.
Jan 23, 2026

authority

DISCONTINUED REVOCATION — COMMON
Details →
Jan 22, 2026

insurance

TERM/REPL — SAFETY INSURANCE CO.
Dec 6, 2025

insurance

TERM/CANCL — SAFETY INSURANCE CO.
Nov 18, 2025

authority

DISCONTINUED REVOCATION — COMMON
Details →
Nov 17, 2025

insurance

TERM/REPL — SAFETY INSURANCE CO.
Jan 1, 2025

insurance

TERM/REPL — THE COMMERCE INSURANCE COMPANY
Jan 1, 2025

insurance

TERM/REPL — SAFETY INSURANCE CO.
Mar 12, 2020

insurance

TERM/CANCL — SAFETY INSURANCE CO.
Feb 19, 2020

authority

DISCONTINUED REVOCATION — COMMON
Details →
Jan 1, 2020

insurance

TERM/REPL — SAFETY INSURANCE CO.
Sep 14, 2019

insurance

TERM/CANCL — SAFETY INSURANCE CO.
Sep 9, 2019

authority

DISCONTINUED REVOCATION — COMMON
Details →
Sep 6, 2019

insurance

TERM/REPL — SAFETY INSURANCE CO.
Jul 15, 2019

insurance

TERM/CANCL — SAFETY INSURANCE CO.
Jul 10, 2019

authority

DISCONTINUED REVOCATION — COMMON
Details →
Jul 9, 2019

insurance

TERM/REPL — SAFETY INSURANCE CO.
Jun 15, 2018

insurance

TERM/CANCL — SAFETY INSURANCE CO.
Jun 5, 2018

authority

DISCONTINUED REVOCATION — COMMON
Details →
Jun 4, 2018

insurance

TERM/REPL — SAFETY INSURANCE CO.
Oct 14, 2017

insurance

TERM/CANCL — SAFETY INSURANCE CO.
Oct 5, 2017

authority

DISCONTINUED REVOCATION — COMMON
Details →
Oct 4, 2017

insurance

TERM/REPL — SAFETY INSURANCE CO.
Sep 15, 2016

insurance

TERM/CANCL — SAFETY INSURANCE CO.
Sep 2, 2016

authority

DISCONTINUED REVOCATION — COMMON
Details →
Sep 1, 2016

insurance

TERM/REPL — SAFETY INSURANCE CO.
May 14, 2016

insurance

TERM/CANCL — SAFETY INSURANCE CO.
May 5, 2016

authority

DISCONTINUED REVOCATION — COMMON
Details →
May 4, 2016

insurance

TERM/REPL — SAFETY INSURANCE CO.
Apr 23, 2015

authority

REINSTATED — MOTOR PROPERTY COMMON CARRIER
Details →
Mar 7, 2015

insurance

CANCEL — UNIVERSAL UNDERWRITERS INSURANCE CO.
Mar 7, 2015

insurance gap

Coverage gap: 40 days without BIPD/Primary insurance (through Apr 16, 2015)
Jan 1, 2015

insurance

TERM/REPL — SAFETY INSURANCE CO.
Dec 8, 2014

authority

REVOKED — MOTOR PROPERTY COMMON CARRIER
Details →
Dec 8, 2014

authority

Authority revoked — INVOLUNTARY REVOCATION
Dec 8, 2014

authority gap

Common (Property) authority inactive: 136 days (through Apr 23, 2015)
Nov 30, 2014

insurance

CANCEL — UNIVERSAL UNDERWRITERS INSURANCE CO.
Nov 30, 2014

insurance gap

Coverage gap: 32 days without BIPD/Primary insurance (through Jan 1, 2015)
Nov 28, 2013

insurance

CANCEL — UNIVERSAL UNDERWRITERS INSURANCE CO.
Jan 5, 2011

insurance

CANCEL — UNIVERSAL UNDERWRITERS INSURANCE CO.

Top Stations & Violation Codes Where this carrier gets inspected and what they get cited for

Most-Inspected Stations

Station	State	Inspections	OOS
UNION SCALE	CT	2	0
H-BERLIN	MA	1	1
H-LEICESTER	MA	1	0
S-LOWELL	MA	1	0
WINDHAM SCALES SOUTHBOUND	NH	1	0

Top Violation Codes Cited

Code	Description	Category	Cited	OOS
393.87(a)	Warning flag required on projecting load	Vehicle Maintenance	1	1

Related Records

Massachusetts carriers Lowell carriers SAFETY INSURANCE CO. THE COMMERCE INSURANCE COMPANY 6 inspections 7 reportable crashes

All cross-references Authority, BOC-3, explainers, and more