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State Requirements Guide

Trucking Insurance Requirements
by State

Minimum liability, cargo, and filing requirements for commercial truckers in all 50 states. Know what's required before you roll.

⚠️ Requirements can change. Always verify with your agent and the applicable state authority before operating.

Federal FMCSA Minimums — Interstate Commerce

These federal floors apply to all interstate truckers regardless of state. State minimums may be higher.

General Freight

$750K

Primary liability minimum for most dry van, flatbed, and general cargo operations

Hazardous Materials

$1M–$5M

$1M for oil/certain hazmat; $5M for highly hazardous materials (explosives, etc.)

Household Goods

$750K

Moving companies and household goods carriers operating in interstate commerce

Required Filings

BMC-91

Your insurer must file the BMC-91 (or BMC-91X for HHG) with the FMCSA to confirm coverage

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50 states

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