Does Idaho 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 an Idaho 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 Idaho 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.

Idaho Trucking Insurance Requirements (2026)

By Haul Handbook editorial team· Updated Sep 28, 2026

What Idaho requires

These are the state-level rules attached to Idaho 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: IDAPA 39.02.80 sets liability and property damage minimums only.
Differs from federal: Yes

Minimum liability by operation type

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

Idaho minimum liability coverage by operation type
Operation type	Minimum liability	Notes
Common and contract carriers of general property, including drive away and tow away units	$750,000
Common and contract property carriers of oil listed in 49 CFR 172.101, or hazardous waste, materials or substances not in the $5,000,000 tier	$1,000,000
Common and contract property carriers of any quantity of Division 1.1, 1.2 or 1.3; Division 2.3 Hazard Zone A or 6.1 Packing Group I Hazard Zone A; highway route controlled Class 7; hazardous substances in tanks over 3,500 water gallons; or Division 2.1 or 2.2 in bulk	$5,000,000
Common and contract passenger carriers, vehicle seating 24 or fewer	$1,500,000
Common and contract passenger carriers, vehicle seating 25 or more	$5,000,000
Private carriers of non-hazardous property (basic Idaho coverage: $25,000 one person, $50,000 two or more, $15,000 property damage)	See note	No single combined figure: the requirement is the split-limit proof of financial responsibility in Idaho Code 49-117, which 49-1229 requires of every registered vehicle.

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: Form E for vehicles registered intrastate with the haul-for-hire operation type (ITD insurance requirements sheet). IDAPA 39.02.80.021.02 accepts Form E, Department Form E-1, or W.C. 3091 for intrastate common and contract carriers, completed and signed by the insurer's underwriting department.
Cancellation: Insurers must give ITD at least 30 days' notice before terminating coverage or reducing it below the board's amounts (Idaho Code 49-1233(3)); a policy cancellation may result in revocation of the vehicle registration.

Filings are made by the insurance company. Neither ITD's insurance sheet nor IDAPA 39.02.80 states a state filing fee.

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

Scroll sideways to see every column.

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