Am I Right On My Cost To Operate

Your fuel and maintanance costs seem to low,

 

Well fuel really has gone down,l was thinking fuel costs run in the high 40s low 50s,just until recentally

 

Insurance seems low. Also, gotta remember, if you have a major repair, on top of paying that bill, you gonna be out of work that amount of time too. If you get sick, if you have a tire blowout in the middle of nowhere, if you get have to sit, because of bad weather, you gotta think of all that too. I would say $1.45 per mile is a better bet.But honestly, with the market right now, you better hold of of buying equipment

 

Run away.......

 

You're low-balling tires and maintenance. Road service calls aren't cheap, and Murphy's Law is an evil little monster. Plan to spend more, and if it so happens that you spend less, you're that much ahead next time.

 

Is insurance that cheap? Cargo and Heath? My cargo insurance quote was about $12k a year and my inexpensive Heath insurance is almost $600 a month on my wife's governent policy. What about workers comp? Vehichile liability insurance another $2 k a year minimum?
i don't know just asking?

 

remember that your fixed cost are just that FIXED

if you run 5,000 miles 1 month and 10,000 the next your fixed with be the same so you can't say X per mile unless you know you will be running the same miles each and every week/month

 

I'd say you're in the ballpark. My tire expenses don't come close to yours, but that could simply be the type of operation your planning. I typically get 200k+ out of steers and looks like over 500k out of my current drives.
Your insurance seems pretty low, but that can be different state by state and operation by operation. You didn't state whether you were seeking your own authority or leasing to a company, or how much your truck and trailer costs (Physical damage is based on that amount).
I also don't see workers comp or occupational accident insurance in there. There are major differences in the two, but I'd suggest you get either or (some states require WC). You should have one of them, unless you have a lot of savings to weather an injury.