Insurance for new authority $45K year???

So I need your help/advice. Looking to open new authority, right at 2 years CDL experience, clean driving record, 750+ credit score, etc. Spoke with Progressive on a basic $1 million liability and $100k cargo coverage, standard freight, no hazmat, No extra options.

Now I was expecting around $30K but was floored when I was quoted just over $45K. I haven't even heard of numbers this high. I'm definitely going to weigh some options but was reaching out here for some advice. Thanks!

 

OOIDA was my next one to try
I also know that I'm limited on which insurance companies will actually insure a new authority but I know that OOIDA does.
Thanks!

 

Well actually I haven't gotten my authority yet and am in the research process on doing so. So move your comments somewhere else

 

SC

 

Yeah, the $30K was what I was told to be expecting and for the circumstances, was ok with that and kind of set out budgeting/planning for that. But what I was quoted caught me off guard and the additional $1350 a month is a huge difference, especially in a tight market.