Truck Insurance Requirements by State

Alabama trucking insurance requirements

State intrastate liability minimum not yet verified against the agency page; rendered as Not confirmed.Motor Carrier SectionVerified Jul 25, 2026

All intrastate for-hire motor carriers of property must file and maintain proof of liability insurance and cargo insurance with the APSC.Motor Carrier SectionVerified Jul 25, 2026

California trucking insurance requirements

750,000 dollars combined single limit is the requirement for the standard case (property other than hazardous materials in vehicles of 10,001 lb GVWR or more). For-hire carriers using vehicles of 10,000 lb GVWR or less need 300,000 dollars. Hazmat classes require 1,000,000 to 5,000,000 dollars; bulk petroleum products require 1,200,000 dollars. See the liability table on the state insurance page.MC 500 M California Motor Carrier Permit (MCP) HandbookVerified Jul 18, 2026

The MCP program requires liability insurance and workers compensation only; no cargo insurance minimum appears in the MCP Handbook insurance chapter.MC 500 M California Motor Carrier Permit (MCP) HandbookVerified Jul 18, 2026

Colorado trucking insurance requirements

State intrastate liability minimum not yet verified against the agency page; rendered as Not confirmed.Colorado Revised Statutes, Title 40, Article 10.1 (Motor Carriers), including 40-10.1-105 Transportation not subject to regulationVerified Jul 24, 2026

Florida trucking insurance requirements

Florida sets tiered combined bodily injury and property damage liability minimums by gross vehicle weight under s. 627.7415, F.S. (see the weight tiers below). A single statewide number does not exist, so no single figure is shown, by design.Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageVerified Jul 18, 2026

• 26,000 to 34,999 lb: $50,000Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageVerified Jul 18, 2026
• 35,000 to 43,999 lb: $100,000Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageVerified Jul 18, 2026
• 44,000 and over lb: $300,000Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageVerified Jul 18, 2026

No state cargo insurance minimum was found on FLHSMV, FDOT, or statute primary sources. Unconfirmed, left blank rather than invented.Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageVerified Jul 18, 2026

Georgia trucking insurance requirements

Sourced negative, and a necessary one: Georgia issues no general intrastate operating authority for freight (see required:false above), so there is no general intrastate carrier class for a minimum to attach to. The GIMC registration does require a Form E public liability and property damage filing from for-hire registrants, but names no amount; the insurer files the form and the underlying policy limit is not set by a published Georgia floor. Every figure Georgia does publish belongs to a DPS certificate class (household goods, passenger, limousine, non-consensual towing) and is recorded in certificate_insurance_minimums below. Re-checked 2026-07-26 across the DPS rules and the GIMC application; no general-freight figure exists to record.DPS UCR-2, Instructions for Georgia Intrastate Motor Carrier (GIMC) and GIMC ApplicationVerified Jul 25, 2026

Cargo coverage is required of DPS certificate holders through the Form H filing. No cargo minimum was found for a general intrastate freight carrier.DPS UCR-2, Instructions for Georgia Intrastate Motor Carrier (GIMC) and GIMC ApplicationVerified Jul 25, 2026

Illinois trucking insurance requirements

$750,000 is the minimum liability and property damage limit for non-hazardous property hauled in freight vehicles rated over 10,000 pounds GVWR. Carriers using only vehicles at or under 10,000 pounds GVWR carry $300,000 for ordinary commodities. Hazardous commodities raise the limit; the full grid is in insurance_by_commodity.Insurance Requirements For Public Carrier CertificateVerified Jul 26, 2026

Unprocessed agricultural commodities, milk in bulk, commodities in dump-type vehicles, and ordinary livestock carry a $5,000 requirement per vehicle at any one time with no separate aggregate. A carrier that does not and will not haul cargo worth more than $5,000, and will not perform a for-hire drive-away of a vehicle worth more than $5,000, may file a Cargo Insurance Waiver Affidavit instead of Form H.Insurance Requirements For Public Carrier CertificateVerified Jul 26, 2026

Indiana trucking insurance requirements

$750,000 is the public liability figure an Indiana intrastate carrier of nonhazardous materials certifies to on Form IOA-1. A carrier operating only vehicles with a gross vehicle weight rating of 10,000 pounds or less certifies to $300,000. Hazardous materials carriers certify to $1,000,000 or $5,000,000 depending on the divisions hauled, and passenger carriers to $1,500,000 or $5,000,000 by seating capacity. The full grid is in the operation-type table.Form IOA-1, Intrastate Operating Authority (State Form 46918, R14 / 7-25)Verified Aug 9, 2026

Every proof-of-security option on Form IOA-1 is a public liability figure filed in accordance with 49 CFR Part 1043. The form states no cargo insurance amount, the intrastate authority pages state none, and IC 8-2.1-24-17 leaves the amount to departmental rule rather than fixing a figure, so no cargo minimum is recorded here. Household goods applicants are told to see Form IOA-1 for their insurance requirements, and Form IOA-1 lists no separate household goods cargo line.Form IOA-1, Intrastate Operating Authority (State Form 46918, R14 / 7-25)Verified Aug 9, 2026

Iowa trucking insurance requirements

Iowa Code 325A.6(1) adopts the federal 49 CFR Part 387 minimums for every carrier subject to chapter 325A, so the figures below match the federal filing floor rather than departing from it. 750,000 dollars is the amount for the common case, a for-hire carrier of nonhazardous property (including tow truck operations) in a vehicle rated 10,000 pounds GVWR or more. The full ladder by weight and commodity is in the weight-tier table and the operation-type table.Iowa Code 2026, Section 325A.6 (Motor Carrier Authority)Verified Sep 2, 2026

• For-hire property, nonhazardous, vehicles 10,000 pounds GVWR and over lb: $750,000Intrastate For-Hire Authority ManualVerified Sep 2, 2026
• For-hire property, nonhazardous, vehicles under 10,000 pounds GVWR lb: $300,000Intrastate For-Hire Authority ManualVerified Sep 2, 2026

The Iowa DOT manual states that cargo insurance must be obtained but that no proof of cargo insurance is filed with the Office of Motor Carrier Services, and it publishes no cargo dollar minimum. Only the liability and property damage certificate (Form E) is filed. No amount is recorded here rather than guessed.Iowa Code 2026, Section 325A.6 (Motor Carrier Authority)Verified Sep 2, 2026

Kentucky trucking insurance requirements

An insurance carrier authorized to transact business in Kentucky must file a Form E (Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate) proving liability coverage that complies with KRS 281.655. The specific minimum dollar amount is set by KRS 281.655 and is not stated on the authority page; left blank rather than invented.Inter/Intrastate Carriers (operating authority)Verified Jul 25, 2026

No state cargo insurance minimum is published on the Division of Motor Carriers authority page; left blank rather than invented.Inter/Intrastate Carriers (operating authority)Verified Jul 25, 2026

Louisiana trucking insurance requirements

Louisiana sets no intrastate liability minimum for a general freight carrier, because it certificates none. For the classes it does regulate, La. R.S. 45:163(D)(1) sets the minimums by class rather than as a single figure, which is why the liability figure is left blank by design and the schedule sits in the operation-type table below. Household goods, saltwater, and passenger-carrying vehicles carry $250,000 for injury or death to any one person, not to exceed $500,000 per occurrence, plus $25,000 property damage. Tow trucks and wreckers carry not less than $500,000 combined single limit. Waste trucks carry not less than $750,000 combined single limit.La. R.S. 45:163, the Commission's powers and the required motor carrier insurance policiesVerified Aug 5, 2026

La. R.S. 45:164(E)(1) requires an intrastate household goods mover to carry motor truck cargo carriers insurance of at least fifty thousand dollars per truck and one hundred thousand dollars per catastrophe, to secure and maintain workers compensation insurance, and to file a surety bond by a qualified surety company in the amount of five thousand dollars with the Commission, all before engaging in any activity related to moving household goods. No other class carries a Louisiana cargo minimum, and general freight carries none at all.La. R.S. 45:163, the Commission's powers and the required motor carrier insurance policiesVerified Aug 5, 2026

Michigan trucking insurance requirements

Michigan does not publish a separate intrastate dollar figure. It adopts the federal minimums instead. MCL 480.11a(1)(b) adopts 49 CFR part 387 among the federal motor carrier safety regulations, and MCL 480.11a(1)(b)(ii) directs that where the federal text says interstate it means intrastate or interstate, or both, as applicable. The federal part 387 general-freight minimum of $750,000 therefore governs Michigan intrastate for-hire property carriage, with the higher part 387 hazardous-materials tiers applying by commodity. MCL 480.11a(3) carves out a vehicle that is not a commercial motor vehicle as defined in 49 CFR 383.5 and is operated in intrastate commerce, which stays subject to 49 CFR parts 391 through 393 but not to the part 387 adoption.Regulatory & Credentialing Section (intrastate operating authority, CVED Authority Portal, UCR)Verified Jul 29, 2026

Two different answers, and an earlier pass recorded only the missing half. GENERAL FREIGHT: Michigan sets no intrastate cargo minimum, so cargo_usd stays blank as a sourced negative. HOUSEHOLD GOODS: the figure is not missing after all. MSP/CVED requires a Form H and publishes no amount itself, but MCL 480.11a(1)(b) adopts 49 CFR part 387 into Michigan law, and 49 CFR 387.303(c) sets household goods cargo liability at $5,000 for loss or damage on any one motor vehicle and $10,000 for an aggregate of losses at any one time and place. Both were read verbatim at eCFR on 2026-07-30, and MCL 480.11a(1)(b) was re-read at legislature.mi.gov the same day to confirm part 387 is inside the adoption list. So a Michigan household goods mover files Form H against those adopted federal limits; the earlier note treated this as an unclosable gap needing a phone call to MSP-CVED-RCS, which it was not.Regulatory & Credentialing Section (intrastate operating authority, CVED Authority Portal, UCR)Verified Jul 29, 2026

Missouri trucking insurance requirements

State intrastate liability minimum not yet verified against the agency page; rendered as Not confirmed.Missouri Operating Authority - Intrastate OperationsVerified Jul 25, 2026

New Jersey trucking insurance requirements

New Jersey requires $1,500,000 combined single limit on a commercial motor vehicle with a gross vehicle weight rating of 26,001 pounds or more that is registered or principally garaged in New Jersey. That is double the $750,000 federal general-freight minimum and it applies to intrastate operations. A second tier of $300,000 covers vehicles rated 10,001 pounds or more but less than 26,001 pounds. Both limits took effect July 1, 2024 and apply to policies issued or renewed on or after that date.N.J.S.A. 39:6B-1, Maintenance of motor vehicle liability insurance coverageVerified Jul 30, 2026

New Jersey sets no cargo insurance minimum for a general freight carrier. Licensed public movers must file a certificate of insurance covering cargo liability at the rate of $1.00 per pound per article, covering at least $25,000 per accident for loss or damage to property being transported on any vehicle and $50,000 for the aggregate of losses occurring at any one time and place.N.J.S.A. 39:6B-1, Maintenance of motor vehicle liability insurance coverageVerified Jul 30, 2026

New Mexico trucking insurance requirements

The bureau pages we checked reference authorized insurance companies and insurance filing requirements but do not publish the minimum liability or cargo limits by carrier type, so no amounts are recorded. Section 66-7-413 NMSA 1978 separately requires private motor carriers seeking oversize/overweight permits to carry at least $50,000 per person and $100,000 per accident bodily injury and $25,000 property damage; that permit-specific minimum is recorded on the state permits page.Transportation Regulation Bureau, Forms and InformationVerified Jul 20, 2026

New York trucking insurance requirements

New York requires a liability insurance filing on Form E from an insurer authorized by the New York State Department of Financial Services to write coverage in New York; the NYSDOT registration page does not state a dollar minimum on the page (federal financial-responsibility minimums apply to the underlying operation).Motor Carrier Registration and Licensing (NYS operating authority, USDOT number, IRP, IFTA, HUT)Verified Jul 19, 2026

Cargo insurance on Form H is required of household goods carriers; it is not required of general property carriers.Motor Carrier Registration and Licensing (NYS operating authority, USDOT number, IRP, IFTA, HUT)Verified Jul 19, 2026

North Carolina trucking insurance requirements

G.S. 20-309(a1) requires the owner of a commercial motor vehicle, as defined in G.S. 20-4.01(3d), to carry financial responsibility in an amount equal to that required for for-hire carriers transporting nonhazardous property in interstate or foreign commerce under 49 C.F.R. 387.9. NCDMV states the same figure on its Commercial Trucking page: the minimum required is $750,000. The unusual part is the reach, not the number. North Carolina applies the federal for-hire interstate floor to commercial vehicle owners generally, including intrastate and private operation.N.C. Gen. Stat. 20-309Verified Jul 29, 2026

No cargo insurance minimum is published for general intrastate freight. Cargo coverage is required of household goods movers through the Form H filing described in the operation-type table below.N.C. Gen. Stat. 20-309Verified Jul 29, 2026

Ohio trucking insurance requirements

$750,000 public liability for for-hire motor carriers transporting property in intrastate commerce. A for-hire carrier that exclusively operates vehicles with a GVWR or GCWR of less than 10,001 pounds carries $300,000 instead. Hazardous materials carriers sit in higher tiers. The full schedule by operation type is in the operation-type table.Ohio Administrative Code Rule 4901:2-13-03Verified Jul 25, 2026

Ohio Adm.Code 4901:2-13-03(B) requires cargo liability only of for-hire carriers transporting household goods in intrastate commerce: $5,000 for loss of or damage to household goods carried on any one motor vehicle, and $10,000 for loss or damage, or an aggregate of losses or damages, occurring at any one time or place. General freight carriers file no cargo minimum under this rule.Ohio Administrative Code Rule 4901:2-13-03Verified Jul 25, 2026

Oklahoma trucking insurance requirements

Oklahoma does not publish one statewide figure. OAC 165:30-3-11(b) adopts the 49 CFR Part 387 minimums for intrastate operations and then overrides them with its own schedule, which turns on vehicle weight, commodity and seating capacity. $750,000 is the figure for the common case, a for-hire carrier of general property in vehicles rated 10,000 pounds GVWR or more. The full schedule is in the operation-type table, and private carriers run on a separate and lower schedule in OAC 165:30-15-6.OAC 165:30-3-11, the intrastate motor carrier liability and cargo insurance schedule and filing formsVerified Aug 5, 2026

• For-hire property carrier, vehicles 10,000 pounds GVWR or more lb: $750,000OAC 165:30-3-11, the intrastate motor carrier liability and cargo insurance schedule and filing formsVerified Aug 5, 2026
• For-hire property carrier, only vehicles under 10,000 pounds GVWR lb: $300,000OAC 165:30-3-11, the intrastate motor carrier liability and cargo insurance schedule and filing formsVerified Aug 5, 2026

OAC 165:30-3-11(c) exempts every motor carrier of freight from filing cargo liability insurance except a motor carrier of household goods, which files a Form H or Form J for at least $5,000 covering loss or damage to property carried on any one vehicle and $10,000 for loss or damage occurring at any one time and place. 47 O.S. § 230.30(B) separately exempts intrastate carriers of sand, rock, gravel, asphaltic mixtures and similar road building materials from filing cargo insurance and holds them to $350,000 combined single limit liability.OAC 165:30-3-11, the intrastate motor carrier liability and cargo insurance schedule and filing formsVerified Aug 5, 2026

Oregon trucking insurance requirements

Oregon intrastate for-hire carriers operating vehicles over 26,000 pounds must have a minimum $750,000 liability insurance policy on file with CCD, filed by the insurer on Form E (Uniform Proof of Liability Insurance). Proof of liability insurance is not required for carriers operating only vehicles of 26,000 pounds or less.Application for Class 1A Permit (form 735-9745)Verified Jul 24, 2026

Oregon intrastate for-hire carriers must have a minimum $10,000 cargo insurance policy on file with CCD, filed by the insurer on Form H (Uniform Proof of Cargo Insurance). The cargo requirement is waived for service limited to commodities not subject to material damage in normal transport (logs, sand/gravel, lumber, water, waste, etc.).Application for Class 1A Permit (form 735-9745)Verified Jul 24, 2026

Pennsylvania trucking insurance requirements

$750,000 per accident is the PUC minimum for a property carrier vehicle with a manufacturer's gross vehicle weight rating (or gross combination weight rating, for an articulated vehicle) over 10,000 pounds. Vehicles rated at 10,000 pounds or less carry $300,000 per accident.52 Pa. Code § 32.12 (PUC insurance minimums, property carriers)Verified Jul 25, 2026

Cargo liability insurance of not less than $5,000 for loss or damage to cargo carried on a motor vehicle must be filed with the Commission. It may be waived if all transportation is in dump trucks, or is limited to farm products, garbage, ashes, rubbish, coal debris, earth, crushed stone, amesite and similar construction materials, or if the value of any one load is not more than $500. A signed cargo waiver must be submitted by the applicant.52 Pa. Code § 32.12 (PUC insurance minimums, property carriers)Verified Jul 25, 2026

South Carolina trucking insurance requirements

$750,000 per incident is the Certificate of Compliance minimum for a freight vehicle of 10,000 pounds GVWR or more carrying non-hazardous material. Below 10,000 pounds GVWR the SCDMV schedule drops to $300,000 per incident. Note the one real conflict in South Carolina's paperwork: the Public Service Commission's own schedule at S.C. Code Ann. Regs. 103-172 sets $500,000, not $300,000, for freight vehicles under 10,000 pounds GVWR. The regulation governs Commission-certificated carriers; the SCDMV Exhibit A governs Certificate of Compliance holders. Both figures are recorded below against the document that sets them rather than reconciled into one number.Certificate of ComplianceVerified Aug 5, 2026

• 10,000 lb GVWR or more, non-hazardous freight lb: $750,000SCDMV Form COC, Application for Certificate of Compliance for Operation of For-Hire Motor Vehicle Carriers (11/2025)Verified Aug 5, 2026
• Less than 10,000 lb GVWR, non-hazardous freight (SCDMV Certificate of Compliance) lb: $300,000SCDMV Form COC, Application for Certificate of Compliance for Operation of For-Hire Motor Vehicle Carriers (11/2025)Verified Aug 5, 2026

Cargo insurance is required only of Certificate of Compliance holders in Class E-LC and of Public Service Commission Class E carriers. The SCDMV limit is $5,000 for loss or damage to property carried on any one motor vehicle. The Commission's Class E cargo minimums under S.C. Code Ann. Regs. 103-173 are $2,500 for loss or damage to property carried on any one motor vehicle and $5,000 for losses occurring at any one time and place, and a Class E carrier's intrastate valuation must meet the minimum set by the Surface Transportation Board's interstate rules.Certificate of ComplianceVerified Aug 5, 2026

Tennessee trucking insurance requirements

Tennessee sets intrastate liability minimums on a schedule printed on the Application for Intrastate Authority rather than as one statewide figure, so no single figure is shown, by design (see the weight-tier table and the operation-type table). The form's own weight labels overlap: it prints 10,001 pounds or less against the $300,000 tier and 10,001 pounds or more against the $750,000 tier. Both labels are recorded exactly as the state prints them rather than silently corrected.Tenn. Code Ann. 65-15-110, the insurance filing condition on issuing an interstate or intrastate permitVerified Jul 30, 2026

• 10,001 pounds or less lb: $300,000Application for Intrastate Authority, Form RV-F1315501 (10/25)Verified Jul 30, 2026
• 10,001 pounds or more, non-hazardous lb: $750,000Application for Intrastate Authority, Form RV-F1315501 (10/25)Verified Jul 30, 2026

The schedule adds $5,000 per vehicle and $10,000 per occurrence to the $750,000 liability minimum for household goods cargo. Cargo coverage is filed by the insurer on Form H, which is required for carriers hauling general freight, household goods, or mobile homes, and for all bus accounts.Tenn. Code Ann. 65-15-110, the insurance filing condition on issuing an interstate or intrastate permitVerified Jul 30, 2026

Texas trucking insurance requirements

$500,000 is the minimum liability coverage for general freight vehicles over 26,000 pounds. Full schedule by operation type is in the operation-type table.TxDMV Number (Motor Carrier Registration)Verified Jul 18, 2026

Cargo insurance is required only for household goods movers: $5,000 per vehicle for loss to a single shipper and $10,000 aggregate for loss to multiple shippers on one vehicle, filed on Forms H and I.TxDMV Number (Motor Carrier Registration)Verified Jul 18, 2026

Virginia trucking insurance requirements

State intrastate liability minimum not yet verified against the agency page; rendered as Not confirmed.For-Hire Intrastate Operating AuthorityVerified Jul 25, 2026

Washington trucking insurance requirements

$750,000 combined single limit is the filing required for a common carrier hauling nonhazardous property in a vehicle with a gross vehicle weight rating of 10,000 pounds or more. Vehicles rated under 10,000 pounds file $300,000. Hazardous commodities step up to $1,000,000 or $5,000,000 by material. The full grid is in the operation-type table.WAC 480-14-250, the intrastate common carrier liability insurance filing tableVerified Aug 9, 2026

WAC 480-14-250 requires only liability and property damage cover from a common carrier, so no cargo minimum is recorded for general freight. Household goods carriers are the exception: WAC 480-15-550 requires $10,000 of cargo cover for vehicles rated under 10,000 pounds and $20,000 for vehicles rated 10,000 pounds or more, proved on a certificate of liability insurance or Form H.WAC 480-14-250, the intrastate common carrier liability insurance filing tableVerified Aug 9, 2026

Wisconsin trucking insurance requirements

$750,000 is the Wisconsin filing minimum for an intrastate for-hire property carrier running vehicles over 10,000 pounds gross weight. Section 194.41(6)(a) sets the general minimum by reference to the federal level under 49 USC 13906(a)(1), and s. 194.41(6)(b)1. cuts it to $300,000 for a vehicle of 10,000 pounds or less unless that vehicle is transporting hazardous materials listed in 49 CFR 172.101. Passenger and bus operations run on their own schedule; see the operation-type table.Motor carrier insurance for commercial motor vehiclesVerified Aug 5, 2026

• 10,000 pounds or less lb: $300,000Wis. Stat. s. 194.41, the liability insurance filing condition and the Wisconsin intrastate minimum amountsVerified Aug 5, 2026
• Over 10,000 pounds, property for hire lb: $750,000Motor carrier insurance for commercial motor vehiclesVerified Aug 5, 2026

Wisconsin publishes no general cargo insurance amount. Section 194.41(1) lets the department require a certificate or contract protecting the owner of the property transported, in the amount and under the conditions the department sets, and requires one for a carrier transporting a building as defined in s. 348.27(12m)(a)1. The WisDOT insurance page lists liability filings only, so no cargo figure is recorded rather than invented.Motor carrier insurance for commercial motor vehiclesVerified Aug 5, 2026