Does Maine 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 Maine 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 Maine 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.

Maine Trucking Insurance Requirements (2026)

By Haul Handbook editorial team· Updated Sep 28, 2026

What Maine requires

These are the state-level rules attached to Maine 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: Neither 29-A M.R.S. sec. 1611 nor the BMV For-Hire Insurance page sets a cargo insurance 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.

Maine minimum liability coverage by operation type
Operation type	Minimum liability
Intrastate commercial motor vehicles (policies written or renewed on or after January 1, 2026)	$750,000
For-hire vehicles transporting freight or merchandise in intrastate-exempt service or service exempted by the federal Surface Transportation Board, and emergency vehicles	$350,000
Rental trucks with a registered gross weight of 26,000 pounds or less, rented or leased for fewer than 30 days ($125,000 CSL, or $50,000/$100,000/$25,000 split limits)	$125,000
Intrastate for-hire passenger vehicles, 1 to 3 passengers behind the driver's seat ($125,000 CSL, or $50,000/$100,000/$25,000 split limits)	$125,000
Intrastate for-hire passenger vehicles, 4 to 7 passengers behind the driver's seat	$300,000
Intrastate for-hire passenger vehicles, 8 to 15 passengers behind the driver's seat	$750,000
Intrastate for-hire passenger vehicles, 16 to 30 passengers behind the driver's seat	$1,500,000
Intrastate for-hire passenger vehicles, 31 or more passengers behind the driver's seat	$2,000,000
Vehicles registered to a transit district	$400,000
School buses, up to 30 passengers behind the driver's seat	$500,000
School buses, 31 or more passengers behind the driver's seat	$1,000,000
Interstate for-hire passenger vehicles, 15 or fewer passengers	$1,500,000
Interstate for-hire passenger vehicles, 16 or more passengers	$5,000,000

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.

Cancellation: Form K, the uniform notice of cancellation. A policy on file cannot be cancelled until 30 days after the Operating Authority Unit receives the Form K, unless replacement insurance takes effect sooner.

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 Maine 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 Maine intrastate authority page. For the full order of operations, work through start a trucking company in Maine.