- Madeline Eby
What are the Requirements for Commercial Truck Insurance by State?
Updated: Jan 31

If you're a commercial trucker, you need to have insurance that covers your vehicle and your cargo. But what are the specific requirements for commercial truck insurance by state? CarrierHQ helps you establish these requirements through the online portal, so you can be sure you’re in compliance with the law.
In most states, you'll need to have property damage and auto liability insurance. This will cover damage to other vehicles and property if you're at fault in an accident. You may also need to have uninsured motorist coverage, which will protect you if you're hit by a driver who doesn't have insurance. Cargo insurance is also important, as it will cover the cost of any damage or loss to your freight. Make sure you have enough coverage to protect your business in case of an accident or incident.
It's important to check with your state's department of motor vehicles to find out the specific requirements for commercial truck insurance. Make sure you're properly insured so you can keep your business on the road.
Commercial Truck Insurance By State
CarrierHQ would like to present a list of minimum insurance requirements by state:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage
$25,000 of bodily injury to or death of any one person in any one accident, subject to the limit for one person
$50,000 of bodily injury to or death of two or more persons in any one accident
$20,000of injury to or destruction of property of others in any one accident
Arkansas:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage
California:
$15,000 for bodily injury per person,
$30,000 for total bodily injury per accident
$5,000 for property damage
Colorado:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$15,000 for property damage
Connecticut:
$20,000 for bodily injury per person
$40,000 for total bodily injury per accident
$10,000 for property damage
Delaware:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage
District of Columbia:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$10,000 for property damage
$10,000 for bodily injury per person
$20,000 for total bodily injury per accident
$10,000 for property damage
Georgia:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$25,000 for property damage
Idaho:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$25,000 for property damage
Illinois:
$30,000 for bodily injury or death per person
$60,000 for total bodily injury or death per accident
$15,000 for property damage
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$10,000 for property damage
Iowa:
$20,000 for bodily injury or death per person
$40,000 for total bodily injury or death per accident
$15,000 for property damage
Kansas:
$30,000 for bodily injury or death per person
$60,000 for total bodily injury or death per accident
$10,000 for property damage
Kentucky:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$10,000 for property damage
Louisiana:
$15,000 for bodily injury or death per person
$30,000 for total bodily injury or death per accident
$25,000 for property damage
Maine:
$50,000 for bodily injury or death per person
$100,000 for total bodily injury or death per accident
$25,000 for property damage
Maryland:
$30,000 for bodily injury or death per person
$60,000 for total bodily injury or death per accident
$15,000 for property damage
Massachusetts:
$20,000 for bodily injury or death per person,
$40,000 for total bodily injury or death per accident
$5,000 for property damage
$20,000 for bodily injury or death per person
$40,000 for total bodily injury or death per accident
$10,000 for property damage
Minnesota:
$30,000 for bodily injury or death per person,
$60,000 for total bodily injury or death per accident
$10,000 for property damage
Mississippi:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$25,000 for property damage
Missouri:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$10,000 for property damage
Montana:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$3,000 for property damage
Nebraska:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$5,000 for property damage
Nevada:
$15,000 for bodily injury or death per person
$30,000 for total bodily injury or death per accident
$10,000 for property damage
New Hampshire:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$10,000 for property damage
New Jersey:
$15,000 for bodily injury or death per person, and $30,000
for total bodily injury or death per accident
New Mexico:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident,
and $5,000 for property damage
North Carolina:
$30,000 for bodily injury or death per person
$60,000 for total bodily injury or death per accident
$5,000 for property damage
North Dakota:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$10,000 for property damage
Ohio:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$7,500 for property damage
Oklahoma:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
Oregon:
$30,000 for bodily injury or death per person
$60,000 for total bodily injury or death per accident
$10,000 for property damage
Pennsylvania:
$15,000 for bodily injury or death per person
$30,000 for total bodily injury or death per accident
Rhode Island:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
South Carolina:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
South Dakota:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
Tennessee:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$30,000 for bodily injury or death per person,
$60,000 for total bodily injury or death per accident
$25,000 for property damage
$25,000 for bodily injury or death per person
$65,000 for total bodily injury or death per accident
$15,000 for property damage
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$10,000 for property damage
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
Washington:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
West Virginia:
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$25,000 for bodily injury or death per person
$50,000 for total bodily injury or death per accident
$25,000 per person for bodily injury
$50,000 for bodily injury or death per person
$20,000 per accident for property
As you can see above each state has their own requirements, but there are some general guidelines that all states follow. So, what are the requirements for commercial truck insurance by state? It depends on the state, but there are some general guidelines that all states follow.
Our CarrierHQ online quoting process is here to help your company get the coverage you need and require. Get started with your own quote today, visit our online portal; https://my.carrierhq.com/enrollment/qualify.