State-by-State Commercial Auto Insurance Requirements (Trucking Insurance State Requirements)

State-by-State Commercial Auto Insurance Requirements

Commercial vehicles operate under a range of state-specific insurance mandates, often depending on vehicle type, weight, use case, and whether the transport crosses state lines. Below is a concise guide to liability limits and regulatory benchmarks for each U.S. state. Be sure to verify directly with your state’s Department of Motor Vehicles or Public Utilities Commission to ensure compliance.

Alabama

• Minimum Liability: 25/50/25
• USDOT/MC Vehicles: At least $750,000 CSL if traveling interstate.
• Passenger Transport:
  • 1–5 passengers: 25/50/10
  • 6–20 passengers: 50/200/30
  • 21+ passengers: 100/500/50
• Property Carriers (Nonhazardous): 100/300/50

More on Alabama motor carrier requirements.

Alaska

• Minimum Liability: 50/100/25
• Passenger Vehicles:
  • Bodily Injury: $500,000
  • Property Damage: $200,000
• Freight/Property Carriers: Same as above

Alaska commercial motor vehicle laws.

Arizona

• Minimum Liability: 25/50/15
• Passenger Transport:
  • 1–8 passengers: $250,000 CSL / $250,000 UM
  • 9–15 passengers: $750,000 CSL / $300,000 UM
  • 16+ passengers: $5 million CSL / $300,000 UM
• Freight Carriers:
  • 20,001–26,000 lbs: $300,000 CSL
  • Over 26,000 lbs: $750,000 CSL
• Hazardous Material Transport: $1 million–$5 million CSL based on cargo class

Arizona financial responsibility law.

Arkansas

• Minimum Liability: 25/50/25
• Passenger Transport:
  • 1–12 passengers: 50/80/30
  • 13–20 passengers: 50/120/30
  • 21–30 passengers: 50/160/30
  • 31+ passengers: 50/200/30
• Freight/Nonhazardous Vehicles: 50/100/30
• Hazardous Transport: $1 million–$5 million CSL

Arkansas passenger and freight guidelines.

California

• Minimum Liability: 15/30/5
• Interstate Vehicles (USDOT/MC): Minimum $750,000 CSL
• Passenger Transport:
  • 1–7 passengers: $750,000 CSL
  • 8–15 passengers: $1.5 million CSL
  • 16+ passengers: $5 million CSL
• Freight Vehicles:
  • <10,000 lbs: $300,000
  • ≥10,000 lbs: $700,000 CSL
  • Household goods: 250/500/100 or $600,000 CSL
• Petroleum/Waste Transport: 500/1,000/200 or $1.2 million CSL
• Hazardous Materials: $1 million–$5 million CSL under federal mandates

California motor carrier requirements.

Colorado

• Minimum Liability: 25/50/15
• USDOT/MC Vehicles: $750,000 CSL minimum for interstate operations
• Passenger Transport:
  • 1–8 passengers: $500,000 CSL
  • 9–15 passengers: $1.5 million CSL
  • 16–32 passengers: $3 million CSL
  • 33+ passengers: $5 million CSL
• Freight Carriers:
  • <10,000 lbs GVW: $300,000 CSL
  • ≥10,000 lbs GVW: $750,000 CSL
  • Movers and towing carriers follow similar thresholds

Colorado commercial vehicle rules.

Connecticut

• Minimum Liability: 25/50/25 (includes UM/UIM)
• Passenger Transport:
  • 1–7 passengers: 50/100/10 or $100,000 CSL
  • 8–12 passengers: 50/150/10 or $150,000 CSL
  • 13–20 passengers: 50/200/10 or $200,000 CSL
  • 21–30 passengers: 50/250/10 or $250,000 CSL
  • 31+ passengers: 50/300/10 or $300,000 CSL
• Livery Vehicles:
  • 1–14 passengers: $1.5 million CSL
  • 15+ passengers: $5 million CSL
• Property Transport: 200/600/100 minimum

Connecticut motor carrier rules.

Delaware

• Minimum Liability: 25/50/10 (PIP required)
• Passenger Vehicles:
  • Taxicabs: $26,000 BI / $11,000 PD
  • Limos/Buses: $11,000 BI / $51,000 PD
  • School buses: $1 million CSL + PIP 100/300
• Freight Vehicles:
  • <10,000 lbs: $300,000 CSL
  • ≥10,001 lbs: $750,000 CSL
• Hazardous Material: $1 million–$5 million CSL

Delaware commercial vehicle laws.

Florida

• Minimum Liability: 10/20/10 with mandatory $10,000 PIP
• Nonpublic Buses: $300,000 CSL or 100/300/50
• Freight Vehicles:
  • 26,000–34,999 lbs: $50,000 CSL
  • 35,000–43,999 lbs: $100,000 CSL
  • 44,000+ lbs: $300,000 CSL

Florida insurance regulations.

Georgia

• Minimum Liability: 25/50/25
• Passenger Transport:
  • 1–12 passengers: 100/300/50
  • 13+ passengers: 100/500/50
• Intrastate Motor Carriers: 100/300/50 minimum

Georgia passenger carrier laws.

Hawaii

• Minimum Liability: 20/40/10
• PIP Required: Yes
• Passenger Transport:
  • 1–7 passengers: 100/200/50
  • 8–25 passengers: 100/500/50
  • 26+ passengers: 100/1,000/50
• Property Carriers: 250/750/250

Hawaii insurance requirements.

Idaho

• Minimum Liability: 25/50/15
• UM/UIM: Required, waiver available
• Passenger Transport:
  • 1–24 passengers: $1.5 million CSL
  • 25+ passengers: $5 million CSL
• Property Carriers:
  • Nonhazardous: $750,000 CSL
  • Hazardous: $1–5 million CSL

Idaho motor carrier laws.

Illinois

• Minimum Liability: 25/50/20
• UM/UIM Required
• Passenger Transport:
  • 10–13 passengers: $1M BI / $100K PD
  • 14–20 passengers: $1.5M BI / $100K PD
  • 21–30 passengers: $2M BI / $100K PD
  • 31+ passengers: $3M BI / $100K PD
  • Medical transport: $250K BI / $50K PD or $300K CSL
• Freight/Towing:
  • Property carriers: $75K CSL
  • Tow trucks: $500K CSL

Illinois commercial auto requirements.

Indiana

• Minimum Liability: 25/50/25
• UM/UIM Required, waiver optional
• Passenger Transport:
  • 1–15 passengers: $1.5M CSL
  • 16+ passengers: $5M CSL
  • Railroad employee carriers: $5M CSL
• Property Carriers:
  • <10,000 lbs: $300K CSL
  • ≥10,001 lbs: $750K CSL
• Hazardous Transport: $1M–$5M CSL

Indiana fleet laws.

Iowa

• Minimum Liability: 20/40/15
• Passenger Transport:
  • 1–15 passengers: $1.5M CSL
  • 16+ passengers: $5M CSL
  • Taxis (1–6 passengers, no set route): $1,001,000 CSL
• Property Carriers:
  • <10,000 lbs: $300K CSL
  • ≥10,001 lbs: $750K CSL
• Hazardous Transport: $1M–$5M CSL

Iowa insurance requirements.

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Wyoming

• Minimum Liability: 25/50/20
• Bodily Injury & Property Damage: $750,000 minimum or federal requirement
• Passenger & Freight Carriers: Subject to same CSL thresholds
• Hazardous Materials: $1M–$5M CSL

Wyoming motor vehicle compliance.