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  • Madeline Eby

What are the Requirements for Commercial Truck Insurance by State?

Updated: Jan 31


Requirements for Commercial Truck Insurance by State- Image of Blog Title

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:


Alabama:

  • $25,000 for bodily injury per person

  • $50,000 for total bodily injury per accident

  • $25,000 for property damage


Arizona:

  • $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


Florida:

  • $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


Indiana:

  • $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


Michigan:

  • $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


Texas:

  • $30,000 for bodily injury or death per person,

  • $60,000 for total bodily injury or death per accident

  • $25,000 for property damage


Utah:

  • $25,000 for bodily injury or death per person

  • $65,000 for total bodily injury or death per accident

  • $15,000 for property damage


Vermont:

  • $25,000 for bodily injury or death per person

  • $50,000 for total bodily injury or death per accident

  • $10,000 for property damage


Virginia:

  • $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


Wisconsin:

  • $25,000 for bodily injury or death per person

  • $50,000 for total bodily injury or death per accident


Wyoming:

  • $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.




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