Does Connecticut set its own trucking insurance minimums?

The stored record does not mark a difference from the federal minimums. Review the applicable operation and source notes before using a coverage amount.

Do federal insurance minimums still apply to a Connecticut carrier?

Federal insurance requirements depend on the vehicle, commodity and operation. Review the federal table and its cited regulation alongside the applicable state requirements; state location alone does not settle coverage or filing scope.

What insurance does a new Connecticut carrier line up first?

Review the liability, cargo and filing requirements for your operation before comparing coverage. The source notes identify the stored state and federal scope; insurer and contractual requirements need their own check.

Where do these figures come from?

The tables show stored amounts with their recorded sources. A field marked "Not confirmed" is a verification gap. Review its note; that label does not establish that the agency publishes no amount or that no requirement applies.

Connecticut Trucking Insurance Requirements (2026)

By Haul Handbook editorial team· Updated Sep 28, 2026

What Connecticut requires

These are the state-level rules attached to Connecticut intrastate operating authority. A field reading "Not confirmed" means this guide has not confirmed that value. The note explains the gap; unknown is not evidence of absence.

Liability minimum: $750,000 for the main class; the operation-type table below lists each class
Cargo minimum: Regs., Conn. State Agencies 16-304-D5 expressly excludes cargo from its property damage minimum, and neither the DMV insurance page nor the CTDOT household goods pages state a cargo amount, so none is recorded.
Differs from federal: No

Minimum liability by operation type

Review the operation-specific scope and source notes before relying on a coverage amount.

Connecticut minimum liability coverage by operation type
Operation type	Minimum liability
Freight vehicles of 10,001 pounds or more GVWR, non-hazardous	$750,000
Freight vehicles of 10,001 pounds or more GVWR, hazardous materials (lower tier)	$1,000,000
Freight vehicles of 10,001 pounds or more GVWR, certain hazardous materials (higher tier, per FMCSA)	$5,000,000
Any vehicle with a seating capacity of more than 8 passengers	$1,500,000
Any vehicle with a seating capacity of 16 passengers or more	$5,000,000
Intrastate household goods carrier under CTDOT jurisdiction, bodily injury to or death of more than one person in any one accident (split limits: $200,000 per person, $100,000 property damage)	$600,000

Scroll sideways to see every column.

Who files the proof of insurance

The rows identify stored proof-of-coverage filings. Confirm which filing applies to your authority and who submits it before requesting a form.

Liability proof: Acord Certificate of Liability Insurance, sent to DMV once a year (DMV.CommercialAudit@ct.gov, or DMV Compliance Unit, 60 State Street, Room 305, Wethersfield, CT 06161). Household goods carriers under CTDOT file Form E, the Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance, named in Regs., Conn. State Agencies 16-304-D4.

Carriers below all four DMV reporting criteria submit a Commercial Affidavit with new registrations and renewals instead.

The federal minimums, for contrast

Federal financial-responsibility requirements depend on the operation, vehicle and commodity. Review the rows and exclusions in 49 CFR Part 387 (property carriers 387.303, brokers and freight forwarders 387.307, endorsements 387.15), as displayed on FMCSA's insurance filing requirements page; the filing mechanics live in our BMC-91 and BMC-34 insurance filings guide.

Federal minimum public liability levels by operation (49 CFR Part 387)
Operation	Vehicle	Liability minimum
For-hire property carrier, non-hazardous	GVWR under 10,001 lb	$300,000
For-hire property carrier, non-hazardous (general freight)	GVWR 10,001 lb or more	$750,000
For-hire carrier of certain hazardous materials	Any	$1,000,000
For-hire and private carriers of explosives, poison gas, or radioactive materials	Any	$5,000,000
For-hire carrier of household goods	GVWR 10,001 lb or more	$750,000
For-hire carrier of passengers	15 or fewer passengers	$1,500,000
For-hire carrier of passengers	16 or more passengers	$5,000,000
Broker of property or household goods	None	None
Freight forwarder of property	None	None
Freight forwarder of household goods	None	None

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Where insurance fits in the Connecticut launch

Coverage sits early in the sequence: the federal filing sequence needs your insurer's proof of coverage on file before authority activates, and the state rules above attach to the credential covered on the Connecticut intrastate authority page. For the full order of operations, work through start a trucking company in Connecticut.