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Georgia trucking

Georgia trucking insurance requirements

This page shows stored Georgia insurance requirements alongside federal records. Review the liability, cargo and filing scope for your operation. Source notes accompany the fields, and unconfirmed amounts remain labeled. An unknown amount does not establish that the agency publishes no minimum.

By Haul Handbook editorial team· Updated Jul 25, 2026

What Georgia requires

These are the state-level rules attached to Georgia 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
Confirmed absence, and a necessary one: Georgia issues no general intrastate operating authority for freight, so there is no general intrastate carrier class for a minimum to attach to. The GIMC registration does require a Form E public liability and property damage filing from for-hire registrants, but names no amount; the insurer files the form and the underlying policy limit is not set by a published Georgia floor. Every figure Georgia does publish belongs to a DPS certificate class (household goods, passenger, limousine, non-consensual towing) and is recorded in certificate insurance minimums below. Re-checked 2026-07-26 across the DPS rules and the GIMC application; no general-freight figure exists to record.
Cargo minimum
Cargo coverage is required of DPS certificate holders through the Form H filing. No cargo minimum was found for a general intrastate freight carrier.
Differs from federal
Yes

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
Form E, Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance
Cargo proof
Form H, Uniform Motor Carrier Cargo Certificate of Insurance
Cancellation
Form K, Uniform Notice of Cancellation of Motor Carrier Insurance Policies

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)
OperationVehicleLiability minimum
For-hire property carrier, non-hazardousGVWR 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 materialsAny$1,000,000
For-hire and private carriers of explosives, poison gas, or radioactive materialsAny$5,000,000
For-hire carrier of household goodsGVWR 10,001 lb or more$750,000
For-hire carrier of passengers15 or fewer passengers$1,500,000
For-hire carrier of passengers16 or more passengers$5,000,000
Broker of property or household goodsNoneNone
Freight forwarder of propertyNoneNone
Freight forwarder of household goodsNoneNone

Scroll sideways to see every column.

Where insurance fits in the Georgia 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 Georgia intrastate authority page. For the full order of operations, work through start a trucking company in Georgia.

Frequently asked questions

Does Georgia set its own trucking insurance minimums?

The stored record marks state and federal minimums as different. Review the operation-specific rows and source notes; the difference does not establish one amount for every carrier.

Do federal insurance minimums still apply to a Georgia 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 Georgia 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.

Haul Handbook publishes educational information about trucking registration and compliance requirements. This is not legal, financial, or tax advice. Rules, fees, and deadlines change; confirm with the agency before you file or pay.