Insurance

A lot of states will follow the federal mandate for motor carriers even if you are staying within state. However, some will have their own guideline and all will require proof of those requirements being met. Click for a list by state

Keep in mind, these limits are subject to change and you should always refer to your state’s law as this list may still need to be updated.

The amount of insurance you must have for a commercial vehicle will be decided by either state or federal law. These laws typically define insurance requirements based on a vehicle’s weight, carried commodities, and operation.

Here’s help with translating the commercial auto insurance requirements
CSL: Combined single limit. Some insurance liability minimums are listed as a single number, such as $500,000.
BI and PD: Bodily injury and property damage.
Three numbers: If you see three numbers, they define minimum liability coverage for bodily injury and property damage. For example, 50/100/10 means:
• $50,000 for bodily injury per person.
• $100,000 for bodily injury per accident.
• $10,000 for property damage
GVW or GVWR: Gross vehicle weight or gross vehicle weight rating (max carrying capacity plus weight of the vehicle.)

Passenger carrier limits of insurance differ greatly from property carriers. If you plan to operate as a passenger carry, please refer to your states specific requirements

Alabama – Alaska – Arizona – Arizona – Arkansas – California – Colorado
Connecticut – Deleware – Florida – Georgia – Hawaii – Idaho – Illinois – Indiana – Iowa
Kansas – Kentucky – Louisiana – Maine – Maryland – Massachusetts – Michigan – Minnesota
Mississippi – Missouri – Montana – Nebraska – Nevada – New Hampshire – New Jersey
New Mexico – New York – North Carolina – North Dakota Ohio – Oklahoma – Oregon – Pennsylvania – Rhode Island – South Carolina – South Dakota – Tennessee – Texas
Utah – Vermont – Virginia – Washington – West Virvinia – Wisconsin – Wyoming

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Alabama
Non-hazardous property carrier: 100/300/50

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Alaska
Property carriers: B.I. $500,000; P.D. $200,000
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Arizona
Non-hazardous property carriers:
• 20,001-26,000 lbs.: $300,000 CSL
• More than 26,000 lbs.: $750,000 CSL
Hazardous substance carriers: $5 million CSL or $1 million CSL, depending on substance.
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Arkansas
Property carriers: 50/100/30
Hazardous substance carriers: $1 million to $5 million, depending on specifics
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California
Property carriers:
• Vehicles less than 10,000 lbs.: $300,000 liability
• Vehicles 10,000 lbs. or more: $750,000 single limit
Household goods carriers:
250/500/100 or $600,000 CSL
Intrastate motor carriers petroleum/waste petroleum products:
$500/1,000/200 (other than property being transported) or $1.2 million CSL
Hazardous substance carriers:
Federal regulations apply: $5 million or $1 million CSL depending on substance
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Colorado
Common and contract carriers and limited regulation carriers:
Movers:
• 10,000 pounds or more GVWR: $750,000
• Less than 10,000 pounds GVWR: $300,000
Towing carriers: Any GVWR: $750,000 CSL
Property carriers:
• Vehicles under 10,000 lbs.: $300,000
• Vehicles of 10,000 lbs. or more: $750,000
• Nonhazardous materials 10,001 GVWR or more: $750,000
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Connecticut
Intrastate property carriers: 200/600/100

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Delaware
Federal regulations apply.
Freight carriers:
Fleet including vehicles under 10,000 lbs.: commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit
Freight vehicles subject to 387.301(a)(2):
• Non-hazardous property (vehicles 10,001 lbs. or greater): $750,000 CSL
• Hazardous substances: $1 million or $5 million CSL, depending on substance

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District of Columbia
Federal regulations apply.
Freight carriers:
Fleet including vehicles under 10,000 lbs.: commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit
Freight vehicles subject to 387.301(a)(2):
• Non-hazardous property (vehicles 10,001 lbs. or greater): $750,000 CSL
• Hazardous substances: $1 million or $5 million CSL, depending on substance

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Florida
Property carriers:
• 26,000 to under 35,000 lbs.: $50,000 single limit
• 35,000 to under 44,000 lbs.: $100,000 single limit
• 44,000 lbs. or more: $300,000 single limit
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Georgia
Intrastate motor carriers: 100/300/50
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Hawaii
Property carriers: 250/750/250
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Idaho
Passenger carriers:
Seating capacity:
• 1-24: $1,500,000 single limit
• 25+: $5 million single limit
Hazardous substance carriers: $1 million or $5 million, depending on specifics
Other property carriers: $750,000
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Illinois
Property carriers: $750,000 CSL
Tow truck operations: $500,000 CSL
Hazardous substance carriers: $1 million to $5 million, depending on specifics
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Indiana
Federal regulations apply.
Freight carriers:
• Fleet including vehicles under 10,000 lbs. – commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit
Freight vehicles subject to 387.301(a)(2):
• Non-hazardous property (vehicles 10,001 lbs. or greater): $750,000 CSL
• $300,000 (vehicles GVWR of 10,000 lbs. or less)
Hazardous substances: $1 million or $5 million CSL, depending on substance
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Iowa
Federal regulations apply.
Freight carriers:
Fleet including vehicles under 10,000 lbs.: commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit
Freight vehicles subject to 387.301(a)(2):
• Non-hazardous property (vehicles 10,001 lbs. or greater): $750,000 CSL
• Hazardous substances: $1 million or $5 million CSL, depending on substance
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Kansas
Property carriers: 100/300/50

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Kentucky
Property carriers:
• Motor vehicles with a GVW of: 18,000 lbs. or less: 100/300/50
• Over 18,000 lbs.: 100/600/50
Motor carriers of petroleum or petroleum products in amounts less than 10,000 lbs.: 100/300/50
Motor carriers of hazardous materials other than above: $1 million CSL
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Louisiana
Trucks (common and contract) and passenger carrying vehicles: 250/500/10
Tow trucks or wreckers: $500,000 CSL
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Maine
Property carriers: $350,000 single limit
Rental vehicles: 50/100/25
Rental trucks with a registered gross weight of 26,000 lbs. or less, rented or leased for fewer than 30 days: $125,000 single limit or 50/100/25
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Maryland
Hazardous property: $1 million to $5 million, depending on specifics
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Massachusetts
Federal regulations apply.
Freight carriers:
Fleet including vehicles under 10,000 lbs.: commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit
Freight vehicles subject to 387.301(a)(2):
• Non-hazardous property (vehicles 10,001 lbs. or greater): $750,000 CSL
• Hazardous substances: $1 million or $5 million CSL, depending on substance

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Michigan
Property carriers:
Freight vehicles of 10,000 lbs. or more:
• Non-hazardous: $500,000 CSL
• Hazardous: $1 million CSL
Freight vehicles under 10,000 lbs.:
• Non-hazardous: 100/300/50 Hazardous: $1 million CSL
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Minnesota
Property carriers:
Non-hazardous: 100/300/50
Hazardous: $1 million or $5 million CSL, depending on substance (as prescribed by 49 CFR 387.7)
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Mississippi
Freight carriers:
Fleet including vehicles under 10,000 lbs. – commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit
Freight vehicles subject to 387.301(a)(2):
• Non-hazardous Property (vehicles 10,001 lbs. or greater): $750,000 CSL
• Hazardous Substances: $1 million or $5 million CSL, depending on substance
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Missouri
Interstate property carriers:
• Gross weight of 10,000 or more: $750,000
Intrastate property carriers (except hazardous waste): 100/300/50
Hazardous substance carriers: $1 million or $5 million depending on substance 7 MO ADC 265-10.030; 10 MO ADC 25-6.263(4)(A)
Tow trucks: $500,000 CSL (MO ST 304.154)
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Montana
Non-hazardous property carriers:
• Under 10,000 lbs.: B.I. & P.D. $100,000
• Over 10,000 lbs.: B.I. & P.D. $500,000
Tow trucks:
• Class A: $300,000
• Class B: $500,000
• Class C: $750,000
See MT ST 61-8-906 for tow truck specifics

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Nebraska
Property carriers: (varies depending upon classification)
Carriers of household goods (group 2): $750,000
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Nevada
Property carriers:
• Non-hazardous: $500,000 or $750,000 CSL, depending on specifics
• Hazardous: 300/2,500/1,000 or 300/2,500/5,000, depending on specifics
Freight carriers:
• GVW 10,001 to 26,000 lbs.: $300,000 CSL
• GVW 26,001 to 80,000 lbs.: $750,000 CSL
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New Hampshire
Federal regulations apply.
Freight Carriers:
• Fleet including vehicles under 10,000 lbs. – commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit.
• Freight vehicles subject to 387.301(a)(2):
a) Private motor carriers: $750,000 combined single limit
Hazardous substances:
• $1 million or $5 million CSL, depending on substance
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New Jersey
Tow trucks:
• GVW up to 26,000 lbs.: $750,000 CSL
• GVW 26,000+: $1,000,000 CSL
• Must maintain garage keepers liability ins. of at least $100,000 and on-hook coverage of at least $100,000 (auth. ins. only)
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New Mexico
Household goods: $750,000
Carriers of property/towing services: $750,000 CSL
Hazardous materials: $5 million
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New York
Common and contract motor carriers property: 100/300/50
Hazardous materials carriers: $1 million or $5 million single limit, depending on specifics. A motor carrier that operates a foreign commercial motor vehicle must comply with the minimum level of financial responsibility in 49 CFR. Part 387.
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North Carolina
Property carriers:
• Household goods GVW 26,000 lbs. or less: 100/300/50 (or a higher amount as may be required by federal law)
• Household goods GVW over 26,000 lbs.: $750,000 CSL
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North Dakota
Federal regulations apply:
Freight carriers:
Fleet including vehicles under 10,000 lbs. – commodities listed in 49 USC 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit
Freight vehicles subject to 387.301(a)(2):
• Non-hazardous property (vehicles 10,001 lbs. or greater): $750,000
• Hazardous substances: $1 million or $5 million CSL, depending on substance
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Ohio
Intrastate for-hire carriers (no passengers): $750,000
Hazardous materials: $1 million or $5 million, depending on specifics (as specified in 49 CFR 387.9)
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Oklahoma
Property carriers:
• Under 10,000 lbs.: $300,000 CSL
• Over 10,000 lbs.: $750,000 CSL
Household goods carriers: $750,000 CSL
Carriers of restricted property, including sand, rock, gravel, etc.: $350,000 CSL
Hazardous materials: $1 million to $5 million CSL, depending on the specifics (as specified in 49 CFR 387.9)
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Oregon
Property carriers: $750,000 CSL all types
See Oregon’s law on liability insurance for motor carriers.
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Pennsylvania
Property carriers: $300,000 CSL
Read Pennsylvania’s laws on financial responsibility for motor carriers.
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Rhode Island
Property carriers:
• Common and contract: 250/500/25
Federal requirements apply when not in conflict with Rhode Island laws
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South Carolina
Property carriers: Public Service Commission (intrastate)
Freight under 10,000 lbs.:
• Non-hazardous: $500,000 single limit
• Hazardous: $5 million
10,000 lbs. or more GVW:
• Non-hazardous: $750,000 single limit
• Hazardous: $5 million
Interstate (Department of Public Safety) GVW 10,000 lbs. or more:
• Hazardous property: $1 million or $5 million depending on substance
• Non-hazardous: $750,000
Freight GVW less than 10,000 pounds
• Property: $300,000
• Property (hazardous) $5 million
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South Dakota
Federal regulations apply.
Freight carriers:
Fleet including vehicles under 10,000 lbs. – commodities listed in 49 USC 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit
Freight vehicles subject to 387.301(a)(2):
• Non-hazardous property (vehicles 10,001 lbs. or greater): $750,000 combined single limit
• Hazardous substances: $1 million or $5 million combined single limit, depending on substance
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Tennessee
Property carriers: $750,000 CSL
Under 10,000 lbs.: $300,000 CSL
Hazardous materials carriers: $1 million to $5 million CSL, depending on specifics.
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Texas
Household goods carriers:
• 26,000 lbs. or less: $300,000 single limit
• Property carriers over 26,000 lbs.: $500,000 single limit
Hazardous materials carriers:
• $1 million or $5 million single limit, depending on specifics.
• A motor carrier that operates a foreign commercial motor vehicle must comply with the minimum level of financial responsibility in 49 CFR Part 387 to the extent Part 387 prescribes a higher level of financial responsibility than the state..
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Utah
Federal regulations apply.
Freight Carriers:
• Fleet including vehicles under 10,000 lbs. – commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit.
• Freight vehicles subject to 387.301(a)(2):
a) Private motor carriers: $750,000 combined single limit
Hazardous substances:
• $1 million or $5 million CSL, depending on substance

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Vermont
Federal regulations apply.
Freight Carriers:
• Fleet including vehicles under 10,000 lbs. – commodities listed in 49 USCA 13506 and not subject to 49 CFR 387.303(b)(2): $300,000 single limit.
• Freight vehicles subject to 387.301(a)(2):
a) Private motor carriers: $750,000 combined single limit
Hazardous substances:
• $1 million or $5 million CSL, depending on substance
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Virginia
Intrastate property carriers: $750,000
Vehicles with GVW over 10,000 pounds: $750,000
Vehicles with GVW in excess of 7,500 but less than 10,000: $300,000
Household goods carriers: $750,000
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Washington
Property carriers:
Trucks hauling household goods:
• Under 10,000 lbs.: $300,000 CSL
• $750,000 for 10,000 lbs or more
Property nonhazardous over 10,000 lbs.: $750,000 CSL
Trucks hauling hazardous commodities:
• Under 10,000 lbs.: $300,000 CSL
• Garbage and refuse collection: $1 million or $5 million, depending on substance.
• ________________________________________

West Virginia
Property carriers:
• Non-hazardous property: 200/600/100
• Hazardous: minimum levels specified in 49 CFR 387.9
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Wisconsin
Property carriers:
Non-hazardous substance transporters:
• 10,000 lbs. or less: $300,000 10,000 lbs. +: $750,000
Hazardous substance transporters: $5,000,000 or $1,000,000, depending on type of substance
See Wisconsin’s insurance regulations for motor carriers.
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Wyoming
Motor carriers:
• BI/PD $750,000 CSL or greater as required by federal law.
Source: Property Casualty Insurers Association of America