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Stop Overpaying: Moving Estimate Types and the U.S. FMCSA 110% Rule

Choose the right moving estimate type, why written or virtual surveys matter, and how FMCSA rules like the 110% cap prevent surprise charges.

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Affinity Moving · October 9, 2026

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A moving estimate falls into one of three categories: binding, non-binding, or binding not-to-exceed. Binding locks your total price, non-binding leaves the final cost tied to actual weight and services, and binding not-to-exceed sets a ceiling while allowing the price to drop. For the most price certainty, favor binding or binding not-to-exceed; save non-binding for small, flexible moves where exact scope isn’t settled yet.


TL;DR:

  • A binding estimate covers only the listed inventory and services; any change requires both parties’ signed approval before loading begins.
  • For interstate moves with a nonbinding estimate, movers cannot demand more than 110% of the estimate at delivery; remaining charges must be billed later.
  • Ask whether the quote came from an in person or virtual survey; both can reveal stairs, long carries, and bulky items that phone estimates miss.
  • Compare two written quotes with matching services, estimate types, and survey methods; verify itemized charges, the tariff reference, and both parties’ signatures.

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Stop Overpaying: Moving Estimate Types and the U.S. FMCSA 110% Rule