A pile of MVRs isn’t driver risk intelligence. X3 turns every record into a score.
X3 MVR
AI Driver Risk Intelligence

Catch the risky driver before an incident.

Anyone can pull an MVR. X3 turns every record into a Driver Risk Score, a coaching plan, a trend and an alert — so you know which drivers need attention, who’s improving, and where your insurance exposure is concentrated.

Annual review & §391.25 compliance built in Feeds Insurability & the Driver Digital Twin
Driver scorecard

MVRs in. Risk scores out.

X3 reads every MVR and scores each driver by convictions, severity, frequency and trend — then flags who needs coaching. Here’s a sample fleet scorecard:

Click Score my fleet to preview a sample Driver Risk scorecard.

Sample carrier · your real fleet fills the same dashboard

Beyond the pull

“What happened” is a commodity. “Who’s risky” is the product.

A raw MVR tells you what happened. X3 tells you what it means: which drivers are getting worse, who’s a coaching win, where your loss exposure sits, and which annual reviews are due — so you act before an incident or a premium hike.

A score per driver.

Driver Risk, Insurability, Coaching and Trend scores for every driver — from convictions, severity, frequency and time-decay, not a raw list.

Coach before it costs you.

Auto-written coaching letters, training recommendations and acknowledgments for the drivers who need them — turned into action, not a report.

See the trend.

1/3/5-year view of who’s improving and who’s declining, plus a Fleet Driver Health Score and estimated insurance exposure for the whole fleet.

What we score

Every driver, scored.

X3 turns each MVR into the scores that actually drive decisions — and keeps your annual reviews compliant.

The X3 MVR crew

Eight agents. One driver-risk brain.

A cause-and-effect intelligence system: violation intelligence flows into What we score, behavior mapping and inspection-risk, then into prevention, corrective action, forecasting and an executive brief. Grounded in the X3 DOT Skills corpus and verified SMS methodology.

§391.25 compliant Driver Risk Score Coaches, not just pulls
The X3 MVR AI crew
8 agents online
How it works

From a raw MVR to a driver decision.

01

Enter your DOT

We pull your live FMCSA record through CarrierOK — every BASIC percentile, inspection, violation, crash and insurance filing. No spreadsheets, no manual entry.

02

We watch it every day

Every morning we re-pull and diff your record, so you know exactly what changed overnight — before FMCSA or your insurer does.

03

Act on what matters

Prioritized fixes ranked by business impact, the exact inspections worth a DataQ challenge, coaching plans, and an insurer-ready packet.

Powered by Commercial MVR

Check one driver. Or never stop watching.

Every record is a Commercial MVR — the CDL driving record, not a basic consumer report. Monitoring watches every driver for new violations and suspensions between annual reviews. State fees and pull costs are passed through at cost while monitoring.

Monitoring
$5/driver/mo
Continuous watch

Continuous Commercial MVR monitoring with instant alerts on any new violation or suspension. State fees + pulls at cost.

Start monitoring
Most popular
Pro Monitoring
$9/driver/mo
Everything + intelligence

Everything in Monitoring, plus the X3 Driver Risk Score, a fleet risk dashboard, and automatic §391.25 annual‑review records — the review the FMCSA requires every year, generated for you.

Start monitoring
One‑off pull
$19.99+ state fee
No subscription

Pull any driver’s Commercial MVR right now — X3 reads it and flags disqualifying items under §383.51. State fee shown before you pay.

Pull a record

Hiring a new driver? A full pre‑employment screen (which includes the MVR) lives in X3 Background. Compliance assistance grounded in 49 CFR — not legal advice.

Questions

Is this just an MVR pull service?

No. Anyone can pull an MVR. X3 turns the record into a Driver Risk Score, coaching, trend and alert — continuous intelligence that tells you who to act on, not just what happened.

How is the risk score built?

From convictions, violation severity and frequency, suspensions and time-decay — weighted the way an underwriter and safety manager would read a driving record. Scores are modeled estimates.

Does it work with my other X3 products?

Yes — one login across the X3 empire. Every driver’s MVR risk feeds their Driver Digital Twin and flows into X3 Insurability, Background and CSA.

Ready to catch the risky driver first?

Turn every MVR into a Driver Risk Score, a coaching plan and an alert — before the next incident or premium hike.