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NOT VALIDATED

LARRY W STEPHENS

Trust Score

Fair Why this score?

Company CheckLARRY W STEPHENS · DOT 833536

DBA: STEPHENS EXPRESS

628 E ASHLEY GLEN CIRCLE, CORDOVA, TN, 38018

DOT# 833536 MC# 368943 Cordova, Tennessee 26 years

MOTOR CARRIER

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1

Power Units

1

Drivers

0

Crashes (24-Month)

None on file

Insurance

Not Rated

Safety Rating

0

Inspections

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Deep records on this carrier, only on LoadWrap

SMS BASIC Scores→ Safety & Inspections→ Licensing & Insurance→ Know Your Rights→ VIN Watch & CARB Check→ Get Change Alerts→

Public record

1 events tracked · latest Sep 15, 2026 ↓ Show details ↓

Insurance 1

Current
No active insurance on file.

Public FMCSA record · blue clean · orange change · red risk.

Company Information

Legal NameLARRY W STEPHENS

DBA NameSTEPHENS EXPRESS

DOT Number833536

MC Number368943

Entity TypeMotor Carrier

Operating StatusA - Active

LocationCordova, Tennessee

Added10/15/1999

MCS-15008/14/2015

Contact Details

PhoneSign in to view

EmailSign in to view

Physical Address628 E ASHLEY GLEN CIRCLE, CORDOVA, TN, 38018

Mailing Address2410 W MEMORIAL RD STE C533, OKLAHOMA CITY, OK, 73134

Operating Authorities

Authority TypeOTHER-UNKNOWN;AUTHORIZED FOR HIRE

Carrier OperationC - Intrastate (Non-Hazmat)

DocketMC368943

CommonInactive

ContractNot Active

BrokerNot Active

Operating26 years

Operation Classification

Authorized For Hire

SMS BASIC Scores

FMCSA safety categories, last 24 months. Above Cutoff = FMCSA flags a problem · Below cutoff = within limits · Clean = no violations.

Unsafe Driving

measure 0 · 0 insp with violations

Clean

Hours-of-Service Compliance

measure 0 · 0 insp with violations

Clean

Driver Fitness

measure 0 · 0 insp with violations

Clean

Controlled Substances / Alcohol

measure 0 · 0 insp with violations

Clean

Vehicle Maintenance

measure 0 · 0 insp with violations

Clean

Source: FMCSA SMS, updated monthly.

Drivers

1

Interstate

0

Intrastate

0

CDL

1

Total

Interstate >100mi0

Interstate <100mi0

Intrastate >100mi0

Intrastate <100mi0

Safety Summary

Safety RatingNot Rated

Total Crashes (24-mo)0

Fatal0

Driver OOS0.0% avg 5.5%

Vehicle OOS0.0% avg 20.7%

SmartWay PartnerNo

Insurance

AmountNone on file

Type34

VerifiedFMCSA · 07/07/2026

CompanyVOYAGER INDEMNITY INSURANCE COMPANY

Policy #IBI 230413

Last checked09/15/2026

Quick Facts

StatusActive

TypeMotor Carrier

Fleet1 units

Drivers1

Operating26 years

MCS-15008/2015

Safety & Inspection Data

Crash Summary

Total Crashes (24-mo)0

Fatal0

Injury0

Tow-Away0

Driver Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg5.5%

Vehicle Inspections

Total0

Out of Service0

OOS Rate0.0%

National Avg20.7%

Licensing & Insurance

Form	Type	Insurance Company	Policy	Coverage	Effective	Cancel Date	Method
91X	BIPD/Primary	AMERICAN RELIABLE INSURANCE COMPANY	ABI 232393	$750,000	11/22/1999	11/22/2000	Cancelled
91X	BIPD/Primary	AMERICAN RELIABLE INSURANCE COMPANY	ABI 232393	$750,000	11/22/1999	11/22/1999	Replaced
91X	BIPD/Primary	PROGRESSIVE HAWAII INSURANCE CORP	CA 8474078	$750,000	03/08/2007	06/30/2009	Cancelled
91X	BIPD/Primary	MOUNTAIN LAUREL ASSURANCE COMPANY	CA 8474078	$750,000	03/08/2006	03/08/2007	Replaced
91X	BIPD/Primary	MOUNTAIN LAUREL ASSURANCE COMPANY	CA 8474078	$750,000	03/08/2005	03/08/2006	Replaced
91X	BIPD/Primary	NATIONAL CASUALTY COMPANY	CTO0076399	$750,000	02/20/2001	11/21/2001	Cancelled
91X	BIPD/Primary	NATIONAL CASUALTY COMPANY	CTO0076339	$750,000	02/20/2001	02/20/2001	Replaced
34	CARGO	VOYAGER INDEMNITY INSURANCE COMPANY	IBI230266	$0	02/15/2000	02/15/2001	Cancelled
91X	BIPD/Primary	PROGRESSIVE CASUALTY INSURANCE COMPANY	CA 1510547-0	$750,000	01/23/2002	05/28/2002	Cancelled

No active insurance policies.

Docket	Type	Action	Served	Disposition	Disp Date
MC368943	MOTOR PROPERTY COMMON CARRIER	GRANTED	07/07/2000	REVOKED	02/08/2001
MC368943	MOTOR PROPERTY COMMON CARRIER	REINSTATED	03/11/2005	REVOKED	07/06/2009
MC368943	MOTOR PROPERTY COMMON CARRIER	REINSTATED	02/08/2002	REVOKED	08/12/2002

No revocation records.

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48/100

Fair

NOT VERIFIED

Every carrier starts at 100. We subtract points for each missing requirement or risk factor below. Verified means all four core requirements pass.

Score breakdown, from 100 to 48

48

−25

−15

−10

Starts at 100−52 totalFinal 48

No insurance or bond on file−25

No active operating authority−15

MCS-150 update overdue−10

No email address on file−2

Verification, 4 core requirements

Active operating authority

FMCSA shows the USDOT registration and authority are active.

Authorized for hire

No active for-hire or broker authority on file.

Active insurance on file

No active insurance / coverage amount on file.

Safety rating not Unsatisfactory

No Unsatisfactory rating on file.

What's lowering this score

-25

No insurance or bond on file FAILS VERIFICATION

No active insurance or surety bond is recorded with FMCSA, and no active authority that would require it.

-15

No active operating authority FAILS VERIFICATION

No active for-hire (common/contract) or broker authority on file.

-10

MCS-150 update overdue

The required biennial MCS-150 update has not been filed on time (score factor, not a verification failure).

-2

No email address on file

No public email address on record.

How we calculate the Trust Score

Every company starts at 100

We subtract points for each missing requirement or risk factor. Verified means all the core requirements for that company's type pass. Nothing is added back, the score is a deduction model built only on public FMCSA data. No pay-to-play, no opinions.

Requirements differ by company type

Each company is judged fairly on its own FMCSA obligations. Anything that doesn't apply shows as a grey N/A, not required, never a penalty.

Carrier (for-hire)

Operating authority, authorized-for-hire, insurance on file, safety rating.

Broker

Broker authority + $75k surety bond (BMC-84/85). MCS-150 not required (no fleet).

Freight forwarder

FF authority + $75k bond + BOC-3. MCS-150 not required (no trucks).

Private carrier

Active USDOT + MCS-150 + safety. No operating authority / for-hire / insurance filing required (hauls its own goods).

Crashes are scaled, not flat

Crash history is proportional. We don't apply a flat penalty, we scale it to (a) crashes per vehicle in the fleet and (b) the share of those crashes that were fatal. So a big, safe fleet barely moves; a small fleet with many (and fatal) crashes takes a large hit.

0 pts deductedscaled by rate & severityup to −28 pts

Low end

50,000 vehicles + 1 crash → ~0 pts. A huge fleet with very few crashes per vehicle is almost untouched.

High end

5 vehicles + 3 crashes incl. fatal → large deduction (near the −28 cap). Many crashes per truck, fatal-heavy.

Mechanics: deduction is capped at 28 points, weighted roughly 60% on crashes-per-vehicle and 40% on the fatal ratio. Zero crashes = zero deduction. If fleet size is unknown, only crash severity can move the score (conservative).

Out-of-service rate vs. the national average

Driver and vehicle out-of-service rates are measured against the FMCSA national average, not a flat number. A company only takes the deduction when it sits above the national benchmark, for example “Vehicle OOS 37% vs national avg 20.7%”.

Point reference, the full menu

Every factor and exactly how many points it can remove. Knockout factors (they also fail Verification) are marked.

Factor	Points
USDOT / authority not active with FMCSA knockout	−25
Missing operating authority (when required) knockout	−15
No insurance or surety bond on file (when required) knockout	−25
Unsatisfactory safety rating knockout	−30
Conditional safety rating	−12
MCS-150 biennial update overdue (carriers)	−10
Crashes, rate-adjusted (per-vehicle & fatal share)	0 to −28
Driver OOS rate above national average	−5
Vehicle OOS rate above national average	−5
Very new carrier (under 1 year)	−10
Limited operating history (1-3 years)	−6
Moderate operating history (3-5 years)	−3
Operating history unknown	−3
No public phone number	−3
No public email address	−2

All inputs come from public FMCSA records (operating authority, insurance/bond filings, the SAFER/SMS safety profile, crash & inspection reports). If FMCSA updates a record, the score updates with it. For the full deduction table, see the methodology page.

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