Truck Insurance Requirements by State

Alabama trucking insurance requirements

The PSC table for property carriers sets $100,000 bodily injury for one person, $300,000 bodily injury for more than one person and $50,000 property damage, which the table totals as a $350,000 combined minimum. Self-insurance must equal five times the combined amount and needs Commission approval.Insurance Requirements for Intrastate AuthorityRecorded access date: Oct 6, 2026

The PSC states that all cargo coverage is $5,000.00.Insurance Requirements for Intrastate AuthorityRecorded access date: Oct 6, 2026

Alaska trucking insurance requirements

No single figure, by design: Alaska states its intrastate minimum as split limits, not one figure. 17 AAC 25.210(b)(1) rewrites the lead-in of 49 CFR 387.9 so that carriers operating only in Alaska in intrastate commerce meet the minimums in AS 19.10.300 instead of the federal table, which are $200,000 for property damage in a single occurrence and $500,000 for bodily injury or death in a single occurrence. The exception is a carrier described in item (2) of the federal schedule (bulk hazardous substances and the other listed high-hazard loads), which must meet the federal $5,000,000.AS 19.10.300, Financial responsibility.Recorded access date: Oct 4, 2026

AS 19.10.300(a) sets property damage and bodily injury minimums only; no cargo figure appears in the statute or in 17 AAC 25.210.AS 19.10.300, Financial responsibility.Recorded access date: Oct 4, 2026

Arizona trucking insurance requirements

A.R.S. 28-4033(A)(1) requires combined single limit liability of $750,000 for nonhazardous property in a vehicle over 26,000 pounds gross vehicle weight and $300,000 for a vehicle of 20,001 to 26,000 pounds. The duty reaches anyone operating a vehicle or combination with a declared gross weight over 20,000 pounds in the furtherance of a commercial enterprise in Arizona (28-4032(A)(1)), private and for-hire alike, and the coverage must be maintained at all times with certification on the department's request (28-4034).A.R.S. 28-4033, Financial responsibility requirementsRecorded access date: Sep 28, 2026

28-4033 lists liability tiers for nonhazardous property, passengers, and hazardous materials and no cargo figure, so none is recorded.A.R.S. 28-4033, Financial responsibility requirementsRecorded access date: Sep 28, 2026

Arkansas trucking insurance requirements

Arkansas sets split limits rather than a single combined figure. For each vehicle hauling property, 27 CAR § 110-1301 (State Highway Commission Rule 13.1) requires $50,000 for bodily injury to or death of one person, $100,000 for all persons in one accident, and $30,000 for property damage in one accident, which ARDOT's application states as $50,000/$100,000/$30,000. Passenger vehicles carry the same $50,000 and $30,000 figures with a per-accident bodily injury limit of $80,000 to $200,000 by seating capacity, and hazardous materials carriers carry $1 million or $5 million.27 CAR § 110-1301, Public liability and property damage endorsement (State Highway Commission Rule 13.1)Recorded access date: Sep 27, 2026

The rule requires all common carriers of property by motor vehicle to file cargo insurance with minimum liability of $5,000 and a cargo endorsement. ARDOT's general freight application packet asks only for proof of public liability and property damage insurance and does not list a cargo filing.27 CAR § 110-1301, Public liability and property damage endorsement (State Highway Commission Rule 13.1)Recorded access date: Sep 27, 2026

California trucking insurance requirements

750,000 dollars combined single limit is the requirement for the standard case (property other than hazardous materials in vehicles of 10,001 lb GVWR or more). For-hire carriers using vehicles of 10,000 lb GVWR or less need 300,000 dollars. Hazmat classes require 1,000,000 to 5,000,000 dollars; bulk petroleum products require 1,200,000 dollars. See the liability table on the state insurance page.MC 500 M California Motor Carrier Permit (MCP) HandbookRecorded access date: Oct 8, 2026

The MCP program requires liability insurance and workers compensation only; no cargo insurance minimum appears in the MCP Handbook insurance chapter.MC 500 M California Motor Carrier Permit (MCP) HandbookRecorded access date: Oct 8, 2026

Colorado trucking insurance requirements

Colorado applies the federal property-carrier minimums of 49 CFR 387.9 to intrastate carriers through the State Patrol rules, except that the item covering nonhazardous property in vehicles under 10,001 lbs applies only to interstate and foreign commerce. For general freight that is $750,000. Oil and listed hazardous materials carry $1,000,000 and the highest-risk hazmat $5,000,000 under the same section.Insurance Requirements (FMCSR Part 387)Recorded access date: Oct 6, 2026

Intrastate carriers carry cargo liability of $10,000 for loss of or damage to property on any one vehicle, or the value of the property carried if lower, unless the shipper and carrier agree in a written contract to a lower amount.Insurance Requirements (FMCSR Part 387)Recorded access date: Oct 6, 2026

Connecticut trucking insurance requirements

The DMV page that requires intrastate carriers with vehicles of 18,001 pounds or more to report insurance once a year lists these minimum levels for commercial vehicles: $750,000 for non-hazardous freight vehicles of 10,001 pounds or more GVWR; $1,000,000 or $5,000,000 for hazardous cargo; $1,500,000 for any vehicle seating more than 8 passengers; $5,000,000 for 16 or more passengers. The page does not publish a separate intrastate schedule. Separately, the household goods regulation (Regs., Conn. State Agencies 16-304-D5(a)) sets split limits for intrastate carriers under CTDOT jurisdiction: $200,000 per person and $600,000 per accident for bodily injury, and $100,000 for property damage.Report commercial vehicle insurance coverageRecorded access date: Sep 28, 2026

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.Report commercial vehicle insurance coverageRecorded access date: Sep 28, 2026

Delaware trucking insurance requirements

Delaware sets no separate intrastate truck liability floor of its own. Section 4702(a) adopts 49 CFR Part 387 (minimum levels of financial responsibility) as Delaware law, and no section of 21 Del. C. ch. 47 amends Part 387. No dollar figure is recorded here because the Delaware sources do not restate one and whether Part 387 reaches a particular intrastate operation depends on that Part's own applicability rules; the federal schedule is on the national insurance page. Passenger public carriers are different: 2 Del. C. 1802(p) requires $1,000,000 for death, bodily injury and property damage plus $1,000,000 uninsured and underinsured coverage, with lower limits for taxicab owners running no more than 2 cabs.21 Del. C. ch. 47, Motor Carrier Safety - Responsibility (sections 4702 to 4708)Recorded access date: Oct 5, 2026

No Delaware cargo insurance requirement appears in 21 Del. C. ch. 47 or 2 Del. C. ch. 18, so no amount is recorded.21 Del. C. ch. 47, Motor Carrier Safety - Responsibility (sections 4702 to 4708)Recorded access date: Oct 5, 2026

Florida trucking insurance requirements

Florida sets tiered combined bodily injury and property damage liability minimums by gross vehicle weight under s. 627.7415, F.S. (see the weight tiers below). A single statewide number does not exist, so no single figure is shown, by design.Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageRecorded access date: Oct 8, 2026

• 26,000 to 34,999 lb: $50,000Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageRecorded access date: Oct 8, 2026
• 35,000 to 43,999 lb: $100,000Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageRecorded access date: Oct 8, 2026
• 44,000 and over lb: $300,000Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageRecorded access date: Oct 8, 2026

No state cargo insurance minimum was found on FLHSMV, FDOT, or statute primary sources. Unconfirmed, left blank rather than invented.Section 627.7415, Florida Statutes, Commercial motor vehicles; additional liability insurance coverageRecorded access date: Oct 8, 2026

Georgia trucking insurance requirements

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.DPS UCR-2, Instructions for Georgia Intrastate Motor Carrier (GIMC) and GIMC ApplicationRecorded access date: Oct 8, 2026

Cargo coverage is required of DPS certificate holders through the Form H filing. No cargo minimum was found for a general intrastate freight carrier.DPS UCR-2, Instructions for Georgia Intrastate Motor Carrier (GIMC) and GIMC ApplicationRecorded access date: Oct 8, 2026

Hawaii trucking insurance requirements

No single figure, by design: the PUC states its property-carrier minimum as three split limits, not one figure. HAR 6-62-8(c) requires $250,000 bodily injury or death per person, $750,000 bodily injury or death per accident, and $250,000 property damage per accident, filed with the commission before the carrier operates on any public street or highway.Amendments to Chapter 6-62, Hawaii Administrative Rules, January 8, 2001 (HAR §6-62-8 Insurance requirements)Recorded access date: Oct 5, 2026

No single figure, by design: the rule sets a formula with ceilings, not a single figure. The two ceilings appear as cargo rows in the operation-type table.Amendments to Chapter 6-62, Hawaii Administrative Rules, January 8, 2001 (HAR §6-62-8 Insurance requirements)Recorded access date: Oct 5, 2026

Idaho trucking insurance requirements

IDAPA 39.02.80.020.04 sets $750,000 per accident (injury, death or property damage) for common and contract carriers of all other property, including drive away and tow away units. Private carriers carry the Idaho Code 49-1229 coverage instead (the 49-117 proof-of-financial-responsibility amounts: $25,000 for one person, $50,000 for two or more, $15,000 property damage) unless they haul the risky or perilous cargoes in 020.03, in which case the hazmat levels apply.IDAPA 39.02.80, Rules Governing Motor Carrier Financial Responsibility (sections 010, 020 and 021)Recorded access date: Sep 28, 2026

IDAPA 39.02.80 sets liability and property damage minimums only.IDAPA 39.02.80, Rules Governing Motor Carrier Financial Responsibility (sections 010, 020 and 021)Recorded access date: Sep 28, 2026

Illinois trucking insurance requirements

$750,000 is the minimum liability and property damage limit for non-hazardous property hauled in freight vehicles rated over 10,000 pounds GVWR. Carriers using only vehicles at or under 10,000 pounds GVWR carry $300,000 for ordinary commodities. Hazardous commodities raise the limit; the full grid is in insurance by commodity.Insurance Requirements For Public Carrier CertificateRecorded access date: Jul 26, 2026

Unprocessed agricultural commodities, milk in bulk, commodities in dump-type vehicles, and ordinary livestock carry a $5,000 requirement per vehicle at any one time with no separate aggregate. A carrier that does not and will not haul cargo worth more than $5,000, and will not perform a for-hire drive-away of a vehicle worth more than $5,000, may file a Cargo Insurance Waiver Affidavit instead of Form H.Insurance Requirements For Public Carrier CertificateRecorded access date: Jul 26, 2026

Indiana trucking insurance requirements

$750,000 is the public liability figure an Indiana intrastate carrier of nonhazardous materials certifies to on Form IOA-1. A carrier operating only vehicles with a gross vehicle weight rating of 10,000 pounds or less certifies to $300,000. Hazardous materials carriers certify to $1,000,000 or $5,000,000 depending on the divisions hauled, and passenger carriers to $1,500,000 or $5,000,000 by seating capacity. The full grid is in the operation-type table.Form IOA-1, Intrastate Operating Authority (State Form 46918, R14 / 7-25)Recorded access date: Aug 9, 2026

Every proof-of-security option on Form IOA-1 is a public liability figure filed in accordance with 49 CFR Part 1043. The form states no cargo insurance amount, the intrastate authority pages state none, and IC 8-2.1-24-17 leaves the amount to departmental rule rather than fixing a figure, so no cargo minimum is recorded here. Household goods applicants are told to see Form IOA-1 for their insurance requirements, and Form IOA-1 lists no separate household goods cargo line.Form IOA-1, Intrastate Operating Authority (State Form 46918, R14 / 7-25)Recorded access date: Aug 9, 2026

Iowa trucking insurance requirements

Iowa Code 325A.6(1) adopts the federal 49 CFR Part 387 minimums for every carrier subject to chapter 325A, so the figures below match the federal filing floor rather than departing from it. 750,000 dollars is the amount for the common case, a for-hire carrier of nonhazardous property (including tow truck operations) in a vehicle rated 10,000 pounds GVWR or more. The full ladder by weight and commodity is in the weight-tier table and the operation-type table.Iowa Code 2026, Section 325A.6 (Motor Carrier Authority)Recorded access date: Sep 2, 2026

• For-hire property, nonhazardous, vehicles 10,000 pounds GVWR and over lb: $750,000Intrastate For-Hire Authority ManualRecorded access date: Sep 2, 2026
• For-hire property, nonhazardous, vehicles under 10,000 pounds GVWR lb: $300,000Intrastate For-Hire Authority ManualRecorded access date: Sep 2, 2026

The Iowa DOT manual states that cargo insurance must be obtained but that no proof of cargo insurance is filed with the Office of Motor Carrier Services, and it publishes no cargo dollar minimum. Only the liability and property damage certificate (Form E) is filed. No amount is recorded here rather than guessed.Iowa Code 2026, Section 325A.6 (Motor Carrier Authority)Recorded access date: Sep 2, 2026

Kansas trucking insurance requirements

No single figure, by design: Kansas states its minimum as split limits, not one figure. K.S.A. 66-1,128(a) bars the KCC from issuing any certificate, permit or license to a public motor carrier of property, household goods or passengers, or a private motor carrier of property, until it files a liability policy of at least $100,000 for injury or death to any one person in any one accident, $300,000 for injury or death to two or more persons in any one accident, and $50,000 for loss to property of others in any one accident. The KCC's FAQ and the KTRAN Insurance Notice repeat the same three figures. Carriers with more than 25 registered vehicles may qualify as self-insurers through the commissioner of insurance (66-1,128(c)).K.S.A. 66-1,128, Motor carrier liability insurance requirements; self-insurance, whenRecorded access date: Sep 27, 2026

K.A.R. 82-4-22(a)(3) excludes property usually designated as cargo from the required liability policy. K.S.A. 66-1,114(b) conditions a household goods or passenger certificate on compliance with liability and cargo insurance requirements, and K.A.R. 82-4-25a names form I as the uniform cargo insurance endorsement, but no cargo dollar minimum was found in the statutes, regulations or KCC pages read.K.S.A. 66-1,128, Motor carrier liability insurance requirements; self-insurance, whenRecorded access date: Sep 27, 2026

Kentucky trucking insurance requirements

Kentucky states its minimum as split limits by vehicle weight, not one figure, so no single amount is shown here. Under KRS 281.655(4), a property vehicle of 18,000 lbs or less needs 100,000 dollars for death or injury to one person, 300,000 dollars total for death or injury, and 50,000 dollars for property damage. A property vehicle over 18,000 lbs needs 100,000, 600,000 and 50,000 dollars. A hazardous materials vehicle needs a 1,000,000-dollar single limit under KRS 281.655(6), except bulk petroleum loads under 10,000 lbs, which use the lower 100,000, 300,000 and 50,000 dollar limits in KRS 281.655(5). An insurer authorized in Kentucky files the Form E (Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate) for this coverage.KRS 281.655, Bonds or insurance policiesRecorded access date: Oct 6, 2026

KRS 281.655 sets no cargo minimum for a general property carrier. A household goods carrier must file cargo coverage in the amounts 49 CFR 387.303(c) sets for interstate household goods carriers (KRS 281.655(7)).KRS 281.655, Bonds or insurance policiesRecorded access date: Oct 6, 2026

Louisiana trucking insurance requirements

Louisiana sets no intrastate liability minimum for a general freight carrier, because it certificates none. For the classes it does regulate, La. R.S. 45:163(D)(1) sets the minimums by class rather than as a single figure, which is why the liability figure is left blank by design and the schedule sits in the operation-type table below. Household goods, saltwater, and passenger-carrying vehicles carry $250,000 for injury or death to any one person, not to exceed $500,000 per occurrence, plus $25,000 property damage. Tow trucks and wreckers carry not less than $500,000 combined single limit. Waste trucks carry not less than $750,000 combined single limit.La. R.S. 45:163, the Commission's powers and the required motor carrier insurance policiesRecorded access date: Aug 5, 2026

La. R.S. 45:164(E)(1) requires an intrastate household goods mover to carry motor truck cargo carriers insurance of at least fifty thousand dollars per truck and one hundred thousand dollars per catastrophe, to secure and maintain workers compensation insurance, and to file a surety bond by a qualified surety company in the amount of five thousand dollars with the Commission, all before engaging in any activity related to moving household goods. No other class carries a Louisiana cargo minimum, and general freight carries none at all.La. R.S. 45:163, the Commission's powers and the required motor carrier insurance policiesRecorded access date: Aug 5, 2026

Maine trucking insurance requirements

29-A M.R.S. sec. 1611(2)(G), enacted by P.L. 2025, ch. 107, sets a $750,000 combined single limit for intrastate commercial motor vehicles. Section 2 of that Act applies it to commercial motor vehicle liability policies executed, delivered, issued, continued or renewed on or after January 1, 2026, with every policy deemed renewed no later than its next yearly anniversary. A commercial motor vehicle under 29-A M.R.S. sec. 101(17) is one used in commerce with a GVWR or gross vehicle weight of 26,001 pounds or more (or a GCWR of 26,001 pounds or more including a towed unit over 10,000 pounds), a bus, or a placarded hazardous materials vehicle of any size. The BMV For-Hire Insurance page still shows $350,000 CSL for property carriers, the older sec. 1611(2)(A) figure for for-hire freight in intrastate-exempt service; the statute is the controlling text.29-A M.R.S. sec. 1611: Insurance, bond or self-insurance requiredRecorded access date: Sep 28, 2026

Neither 29-A M.R.S. sec. 1611 nor the BMV For-Hire Insurance page sets a cargo insurance amount, so none is recorded.29-A M.R.S. sec. 1611: Insurance, bond or self-insurance requiredRecorded access date: Sep 28, 2026

Maryland trucking insurance requirements

Maryland adopts the federal minimum levels of financial responsibility for motor carriers by incorporating 49 CFR 387 with no amendments or exemptions (COMAR 11.21.01.04-5), so the federal schedule in 49 CFR 387.303 applies: $750,000 for freight vehicles of 10,001 pounds or more GVWR carrying non-hazardous property, $300,000 for small freight fleets under 10,001 pounds GVWR, $1,000,000 for oil and listed hazardous materials, and $5,000,000 for the bulk explosives and high-risk classes. Scope caution: under COMAR 11.21.01.03, the incorporated federal rules apply in full to intrastate carriers only when they transport placardable hazardous materials or operate vehicles designed for 16 or more passengers including the driver; other intrastate carriers are covered by the chapter with the amendments and exemptions in its regulations .05 through .08 and .11 through .14. Separately, Maryland vehicle registration (including IRP registration) requires proof of Maryland insurance at $30,000/$60,000 public liability and $15,000 property damage.COMAR 11.21.01.04-5, 49 CFR 387, Minimum Levels of Financial Responsibility for Motor CarriersRecorded access date: Sep 26, 2026

No cargo insurance floor for Maryland intrastate freight appears in COMAR 11.21.01, the SHA pages or the MVA IRP Manual, so no amount is recorded rather than guessed.COMAR 11.21.01.04-5, 49 CFR 387, Minimum Levels of Financial Responsibility for Motor CarriersRecorded access date: Sep 26, 2026

Massachusetts trucking insurance requirements

Massachusetts publishes no separate dollar liability minimum for intrastate freight carriers. 540 CMR 14.03 incorporates 49 CFR Part 387 as Registry regulations for both intrastate and interstate commerce, and 540 CMR 14.04(3)(a) requires every carrier to keep records complying with Part 387. By its own terms, Table 1 of 49 CFR 387.9 sets $750,000 for for-hire carriage of nonhazardous property in interstate or foreign commerce at 10,001 pounds GVWR or more, and reaches intrastate commerce only for bulk hazardous cargo: $5,000,000 for the listed bulk hazardous substances and explosives, $1,000,000 for oil and other hazardous materials in bulk. No Massachusetts figure for intrastate general freight is recorded rather than extending the interstate row by inference.540 CMR 14.00, Motor Carrier Safety and Hazardous Material Transportation (Mass. Register #1360, 3/9/18)Recorded access date: Sep 27, 2026

220 CMR 260.01(1) bars the DPU from issuing a common carrier certificate unless it is satisfied the applicant is adequately insured for loss of or damage to property transported, and 260.01(3) requires the policy to carry a 20-day written cancellation notice to the Department. Neither the regulation nor the DPU application pages state a dollar amount, so none is recorded.540 CMR 14.00, Motor Carrier Safety and Hazardous Material Transportation (Mass. Register #1360, 3/9/18)Recorded access date: Sep 27, 2026

Michigan trucking insurance requirements

Michigan does not publish a separate intrastate dollar figure. It adopts the federal minimums instead. MCL 480.11a(1)(b) adopts 49 CFR part 387 among the federal motor carrier safety regulations, and MCL 480.11a(1)(b)(ii) directs that where the federal text says interstate it means intrastate or interstate, or both, as applicable. The federal part 387 general-freight minimum of $750,000 therefore governs Michigan intrastate for-hire property carriage, with the higher part 387 hazardous-materials tiers applying by commodity. MCL 480.11a(3) carves out a vehicle that is not a commercial motor vehicle as defined in 49 CFR 383.5 and is operated in intrastate commerce, which stays subject to 49 CFR parts 391 through 393 but not to the part 387 adoption.Regulatory & Credentialing Section (intrastate operating authority, CVED Authority Portal, UCR)Recorded access date: Oct 8, 2026

Two different answers, and an earlier version of this guide recorded only the missing half. GENERAL FREIGHT: Michigan sets no intrastate cargo minimum, so the cargo stays blank as a confirmed absence. HOUSEHOLD GOODS: the figure is not missing after all. MSP/CVED requires a Form H and publishes no amount itself, but MCL 480.11a(1)(b) adopts 49 CFR part 387 into Michigan law, and 49 CFR 387.303(c) sets household goods cargo liability at $5,000 for loss or damage on any one motor vehicle and $10,000 for an aggregate of losses at any one time and place. Both were read verbatim at eCFR on 2026-07-30, and MCL 480.11a(1)(b) was re-read at legislature.mi.gov the same day to confirm part 387 is inside the adoption list. So a Michigan household goods mover files Form H against those adopted federal limits; the earlier note treated this as an unclosable gap needing a phone call to MSP-CVED-RCS, which it was not.Regulatory & Credentialing Section (intrastate operating authority, CVED Authority Portal, UCR)Recorded access date: Oct 8, 2026

Minnesota trucking insurance requirements

Split limits filed on Form E: $100,000 bodily injury or death of one person, $300,000 bodily injury or death of all persons in one accident, and $50,000 property damage other than cargo. Minn. Stat. 221.141, subd. 1b lets the commissioner set the amount by order, so the figures come from MnDOT's page and Resource Book rather than the statute text. This is far below the $750,000 federal minimum for interstate general freight.Motor carriers of property (Commercial Vehicle Operations)Recorded access date: Sep 28, 2026

Minn. Stat. 221.141, subd. 4 requires household goods movers to carry $50,000 cargo insurance or a cargo bond. No cargo minimum is set for general freight carriers.Motor carriers of property (Commercial Vehicle Operations)Recorded access date: Sep 28, 2026

Mississippi trucking insurance requirements

$750,000 for property (non-hazardous). Hazardous materials carriers need $1,000,000 or $5,000,000 depending on the material under 49 C.F.R. Part 387; see the operation-type table.General Freight Operating Authority, Intrastate GuidelinesRecorded access date: Sep 28, 2026

Cargo liability of $5,000 for loads of three tons or less and $10,000 for loads of more than three tons.General Freight Operating Authority, Intrastate GuidelinesRecorded access date: Sep 28, 2026

Missouri trucking insurance requirements

Missouri states its property-carrier minimum as split limits rather than a single figure. Under 7 CSR 265-10.030 a for-hire property or household goods carrier without hazmat files at least $100,000 for injury or death of one person, $300,000 for one accident and $50,000 property damage for one accident. Hazmat carriers with vehicles of 10,001 lbs or more GVWR need $1,000,000 (oil and listed hazardous materials) or $5,000,000 (the highest-risk materials).Intrastate Operating Authority Insurance Requirements (7 CSR 265-10.030)Recorded access date: Oct 6, 2026

Household goods cargo coverage of $2,500 for loss or damage on any one vehicle and $5,000 aggregate at any one time and place, filed on Form H or J. A shipper and contract carrier may agree in writing to different limits or waive cargo insurance.Intrastate Operating Authority Insurance Requirements (7 CSR 265-10.030)Recorded access date: Oct 6, 2026

Montana trucking insurance requirements

Montana sets no single dollar liability minimum for intrastate general freight. ARM 18.8.1502(2)(b) applies the federal 49 CFR 387.7 and 387.9 minimums only to for-hire carriers in interstate or foreign commerce and to hazardous materials carriers, and names Mont. Code Ann. 61-6-103 as the minimum for for-hire carriers hauling nonhazardous material intrastate: $25,000 bodily injury to one person, $50,000 for two or more people and $20,000 property damage per accident. PSC-certificated Class A and D freight carriers must carry more under ARM 38.3.706: $500,000, or $100,000 for a cargo vehicle of 10,000 pounds GVWR or less.ARM 18.8.1502, Federal Motor Carrier Safety Rules and State Modifications (amended effective 5/9/2026)Recorded access date: Sep 28, 2026

ARM 38.3.703 requires each Class A intrastate carrier to file evidence of cargo insurance, and the PSC's MV-2 cargo endorsement limits the insurer's liability to $10,000 per loss at one time and place or per vehicle ($1,000 for cargo in a vehicle designed for seven passengers or fewer).ARM 18.8.1502, Federal Motor Carrier Safety Rules and State Modifications (amended effective 5/9/2026)Recorded access date: Sep 28, 2026

Nebraska trucking insurance requirements

Nebraska sets no state liability minimum for general freight carriers. Neb. Rev. Stat. 75-363 adopts 49 CFR part 387 (minimum levels of financial responsibility) as Nebraska law and applies the adopted regulations to motor carriers transporting persons or property in intrastate commerce with vehicles over 10,000 pounds, and the State Patrol's applicability chart marks part 387 as applying to intrastate CDL and non-CDL property vehicles; no separate state dollar amount or Commission filing exists for property carriers. The state dollar minimums that do exist are the Commission's: 750,000 dollars for household goods movers and 500,000 to 5,000,000 dollars for passenger carriers by seating capacity.Neb. Rev. Stat. 75-363, Federal motor carrier safety regulations; provisions adopted; exceptions.Recorded access date: Oct 8, 2026

No cargo minimum applies to general freight carriers.Neb. Rev. Stat. 75-363, Federal motor carrier safety regulations; provisions adopted; exceptions.Recorded access date: Oct 8, 2026

Nevada trucking insurance requirements

MC 208 sets general insurance limits by weight: $300,000 for contract carriers running a vehicle or combination rated 10,001 to 26,000 pounds GVWR, and $750,000 for 26,001 to 80,000 pounds, each for bodily injury, death and property damage excluding cargo. Limits are greater for carriers authorized to transport hazardous substances, oil, Class A or Class B explosives, poisonous gas or radioactive materials under NAC 706.288.MC 208: Intrastate Commerce Authority Information and Application (rev. 01/2025)Recorded access date: Oct 8, 2026

Nevada's Form MC 208 sets its limits for bodily injury, death and damage to the property of others, excluding cargo, and states no separate cargo minimum, so none is recorded.MC 208: Intrastate Commerce Authority Information and Application (rev. 01/2025)Recorded access date: Oct 8, 2026

New Hampshire trucking insurance requirements

New Hampshire sets no liability minimum of its own for intrastate carriers of non-hazardous property. Saf-C 908.01 applies the 49 CFR 387 minimums only to carriers in interstate commerce and, for hazardous materials, to interstate and intrastate carriers alike under 49 CFR 387.9. A purely intrastate general freight carrier therefore has no state-set floor.N.H. Admin. Rules Saf-C 900, Motor Carrier Safety Rules (superseded by filing #13684, effective 7-17-23)Recorded access date: Oct 4, 2026

RSA 359-T:8 requires a household goods carrier to file and keep in force a certificate of insurance in such form and reasonable amount as the department may require to protect the owners of the property carried. The statute sets no dollar figure and none appears on the DMV Household Goods Carriers page, so no amount is recorded.N.H. Admin. Rules Saf-C 900, Motor Carrier Safety Rules (superseded by filing #13684, effective 7-17-23)Recorded access date: Oct 4, 2026

New Jersey trucking insurance requirements

New Jersey requires $1,500,000 combined single limit on a commercial motor vehicle with a gross vehicle weight rating of 26,001 pounds or more that is registered or principally garaged in New Jersey. That is double the $750,000 federal general-freight minimum and it applies to intrastate operations. A second tier of $300,000 covers vehicles rated 10,001 pounds or more but less than 26,001 pounds. Both limits took effect July 1, 2024 and apply to policies issued or renewed on or after that date.N.J.S.A. 39:6B-1, Maintenance of motor vehicle liability insurance coverageRecorded access date: Jul 30, 2026

New Jersey sets no cargo insurance minimum for a general freight carrier. Licensed public movers must file a certificate of insurance covering cargo liability at the rate of $1.00 per pound per article, covering at least $25,000 per accident for loss or damage to property being transported on any vehicle and $50,000 for the aggregate of losses occurring at any one time and place.N.J.S.A. 39:6B-1, Maintenance of motor vehicle liability insurance coverageRecorded access date: Jul 30, 2026

New Mexico trucking insurance requirements

18.3.3.10 NMAC requires motor carriers of property, towing services and household goods movers to carry the federal minimums in 49 CFR 387.9. For general freight in a vehicle of 10,001 lbs GVWR or more, that is 750,000 dollars. Oil and most hazardous materials raise it to 1,000,000 dollars, and certain bulk hazardous materials to 5,000,000 dollars. A separate, lower minimum applies only to private carriers buying an oversize or overweight permit under Section 66-7-413 NMSA 1978, and it is listed with the permit rules.18.3.3 NMAC, Motor Carrier General Provisions: Financial ResponsibilityRecorded access date: Oct 6, 2026

New Mexico sets no cargo insurance minimum for general freight carriers.18.3.3 NMAC, Motor Carrier General Provisions: Financial ResponsibilityRecorded access date: Oct 6, 2026

New York trucking insurance requirements

New York requires a liability insurance filing on Form E from an insurer authorized by the New York State Department of Financial Services to write coverage in New York; the NYSDOT registration page does not state a dollar minimum on the page (federal financial-responsibility minimums apply to the underlying operation).Motor Carrier Registration and Licensing (NYS operating authority, USDOT number, IRP, IFTA, HUT)Recorded access date: Oct 8, 2026

Cargo insurance on Form H is required of household goods carriers; it is not required of general property carriers.Motor Carrier Registration and Licensing (NYS operating authority, USDOT number, IRP, IFTA, HUT)Recorded access date: Oct 8, 2026

North Carolina trucking insurance requirements

G.S. 20-309(a1) requires the owner of a commercial motor vehicle, as defined in G.S. 20-4.01(3d), to carry financial responsibility in an amount equal to that required for for-hire carriers transporting nonhazardous property in interstate or foreign commerce under 49 C.F.R. 387.9. NCDMV states the same figure on its Commercial Trucking page: the minimum required is $750,000. The unusual part is the reach, not the number. North Carolina applies the federal for-hire interstate floor to commercial vehicle owners generally, including intrastate and private operation.N.C. Gen. Stat. 20-309Recorded access date: Jul 29, 2026

No cargo insurance minimum is published for general intrastate freight. Cargo coverage is required of household goods movers through the Form H filing described in the operation-type table below.N.C. Gen. Stat. 20-309Recorded access date: Jul 29, 2026

North Dakota trucking insurance requirements

North Dakota sets no motor-carrier-specific liability minimum for intrastate trucking. Every motor vehicle must carry a liability policy in the amount chapter 39-16.1 requires (NDCC 39-08-20), which is 25,000 dollars for bodily injury or death of one person, 50,000 dollars for two or more persons in one accident, and 25,000 dollars for property damage (NDCC 39-16.1-11). The handbook states the federal financial responsibility levels of 49 CFR 387 apply to for-hire property carriers in interstate commerce and to hazardous materials carriers in interstate or intrastate commerce.NDCC 39-16.1-11. Motor vehicle liability policy.Recorded access date: Sep 27, 2026

No state cargo insurance minimum was found in the Highway Patrol handbook, NDDOT registration pages, or NDCC chapters 39-04, 39-08, and 39-16.1, so none is recorded rather than guessed.NDCC 39-16.1-11. Motor vehicle liability policy.Recorded access date: Sep 27, 2026

Ohio trucking insurance requirements

$750,000 public liability for for-hire motor carriers transporting property in intrastate commerce. A for-hire carrier that exclusively operates vehicles with a GVWR or GCWR of less than 10,001 pounds carries $300,000 instead. Hazardous materials carriers sit in higher tiers. The full schedule by operation type is in the operation-type table.Ohio Administrative Code Rule 4901:2-13-03Recorded access date: Jul 25, 2026

Ohio Adm.Code 4901:2-13-03(B) requires cargo liability only of for-hire carriers transporting household goods in intrastate commerce: $5,000 for loss of or damage to household goods carried on any one motor vehicle, and $10,000 for loss or damage, or an aggregate of losses or damages, occurring at any one time or place. General freight carriers file no cargo minimum under this rule.Ohio Administrative Code Rule 4901:2-13-03Recorded access date: Jul 25, 2026

Oklahoma trucking insurance requirements

Oklahoma does not publish one statewide figure. OAC 165:30-3-11(b) adopts the 49 CFR Part 387 minimums for intrastate operations and then overrides them with its own schedule, which turns on vehicle weight, commodity and seating capacity. $750,000 is the figure for the common case, a for-hire carrier of general property in vehicles rated 10,000 pounds GVWR or more. The full schedule is in the operation-type table, and private carriers run on a separate and lower schedule in OAC 165:30-15-6.OAC 165:30-3-11, the intrastate motor carrier liability and cargo insurance schedule and filing formsRecorded access date: Aug 5, 2026

• For-hire property carrier, vehicles 10,000 pounds GVWR or more lb: $750,000OAC 165:30-3-11, the intrastate motor carrier liability and cargo insurance schedule and filing formsRecorded access date: Aug 5, 2026
• For-hire property carrier, only vehicles under 10,000 pounds GVWR lb: $300,000OAC 165:30-3-11, the intrastate motor carrier liability and cargo insurance schedule and filing formsRecorded access date: Aug 5, 2026

OAC 165:30-3-11(c) exempts every motor carrier of freight from filing cargo liability insurance except a motor carrier of household goods, which files a Form H or Form J for at least $5,000 covering loss or damage to property carried on any one vehicle and $10,000 for loss or damage occurring at any one time and place. 47 O.S. § 230.30(B) separately exempts intrastate carriers of sand, rock, gravel, asphaltic mixtures and similar road building materials from filing cargo insurance and holds them to $350,000 combined single limit liability.OAC 165:30-3-11, the intrastate motor carrier liability and cargo insurance schedule and filing formsRecorded access date: Aug 5, 2026

Oregon trucking insurance requirements

Oregon intrastate for-hire carriers operating vehicles over 26,000 pounds must have a minimum $750,000 liability insurance policy on file with CCD, filed by the insurer on Form E (Uniform Proof of Liability Insurance). Proof of liability insurance is not required for carriers operating only vehicles of 26,000 pounds or less.Application for Class 1A Permit (form 735-9745)Recorded access date: Jul 24, 2026

Oregon intrastate for-hire carriers must have a minimum $10,000 cargo insurance policy on file with CCD, filed by the insurer on Form H (Uniform Proof of Cargo Insurance). The cargo requirement is waived for service limited to commodities not subject to material damage in normal transport (logs, sand/gravel, lumber, water, waste, etc.).Application for Class 1A Permit (form 735-9745)Recorded access date: Jul 24, 2026

Pennsylvania trucking insurance requirements

$750,000 per accident is the PUC minimum for a property carrier vehicle with a manufacturer's gross vehicle weight rating (or gross combination weight rating, for an articulated vehicle) over 10,000 pounds. Vehicles rated at 10,000 pounds or less carry $300,000 per accident.52 Pa. Code § 32.12 (PUC insurance minimums, property carriers)Recorded access date: Jul 25, 2026

Cargo liability insurance of not less than $5,000 for loss or damage to cargo carried on a motor vehicle must be filed with the Commission. It may be waived if all transportation is in dump trucks, or is limited to farm products, garbage, ashes, rubbish, coal debris, earth, crushed stone, amesite and similar construction materials, or if the value of any one load is not more than $500. A signed cargo waiver must be submitted by the applicant.52 Pa. Code § 32.12 (PUC insurance minimums, property carriers)Recorded access date: Jul 25, 2026

Rhode Island trucking insurance requirements

No single figure, by design: Rhode Island states its minimum as split limits, not one figure. R.I. Gen. Laws § 39-12-27 bars a certificate or permit from issuing or staying in force until the carrier proves ability to pay at least $250,000 for bodily injury to or death of any one person, $500,000 for all persons injured or killed in any one accident (subject to the $250,000 per-person cap), and $25,000 for damage to property other than cargo. Proof is a certificate of insurance from an insurer authorized in Rhode Island, a certificate from the general treasurer that the carrier has filed a $100,000 surety bond, or Division approval as a self-insurer. Coverage must stay in force until cancelled on 30 days' written notice to the Division, unless a replacement filing is received first.R.I. Gen. Laws § 39-12-27, Security for protection of the publicRecorded access date: Oct 4, 2026

§ 39-12-27 requires evidence of insurance of at least $25,000 for loss of or damage to shipper or consignee property in the carrier's possession before a common or contract carrier may engage in intrastate commerce.R.I. Gen. Laws § 39-12-27, Security for protection of the publicRecorded access date: Oct 4, 2026

South Carolina trucking insurance requirements

$750,000 per incident is the Certificate of Compliance minimum for a freight vehicle of 10,000 pounds GVWR or more carrying non-hazardous material. Below 10,000 pounds GVWR the SCDMV schedule drops to $300,000 per incident. Note the one real conflict in South Carolina's paperwork: the Public Service Commission's own schedule at S.C. Code Ann. Regs. 103-172 sets $500,000, not $300,000, for freight vehicles under 10,000 pounds GVWR. The regulation governs Commission-certificated carriers; the SCDMV Exhibit A governs Certificate of Compliance holders. Both figures are recorded below against the document that sets them rather than reconciled into one number.Certificate of ComplianceRecorded access date: Aug 5, 2026

• 10,000 lb GVWR or more, non-hazardous freight lb: $750,000SCDMV Form COC, Application for Certificate of Compliance for Operation of For-Hire Motor Vehicle Carriers (11/2025)Recorded access date: Aug 5, 2026
• Less than 10,000 lb GVWR, non-hazardous freight (SCDMV Certificate of Compliance) lb: $300,000SCDMV Form COC, Application for Certificate of Compliance for Operation of For-Hire Motor Vehicle Carriers (11/2025)Recorded access date: Aug 5, 2026

Cargo insurance is required only of Certificate of Compliance holders in Class E-LC and of Public Service Commission Class E carriers. The SCDMV limit is $5,000 for loss or damage to property carried on any one motor vehicle. The Commission's Class E cargo minimums under S.C. Code Ann. Regs. 103-173 are $2,500 for loss or damage to property carried on any one motor vehicle and $5,000 for losses occurring at any one time and place, and a Class E carrier's intrastate valuation must meet the minimum set by the Surface Transportation Board's interstate rules.Certificate of ComplianceRecorded access date: Aug 5, 2026

South Dakota trucking insurance requirements

Chapter 32-9 sets no liability minimum for the commercial motor vehicle certificate itself. The one published intrastate dollar minimum attaches to oversize and overweight permits: ARSD 70:03:01:11 requires permit applicants to carry public liability insurance of at least 100,000 dollars per person, 300,000 dollars per accident, and 100,000 dollars property damage, or to qualify as a self-insurer under SDCL 32-35-90. Interstate minimums follow 49 CFR 387 through the federal safety regulations.ARSD 70:03:01:11, Liability insurance required.Recorded access date: Sep 27, 2026

No state cargo insurance minimum for intrastate authority was found on the county registration statutes, SD Truck Info pages, or the permit rules, so none is recorded rather than guessed.ARSD 70:03:01:11, Liability insurance required.Recorded access date: Sep 27, 2026

Tennessee trucking insurance requirements

Tennessee sets intrastate liability minimums on a schedule printed on the Application for Intrastate Authority rather than as one statewide figure, so no single figure is shown, by design (see the weight-tier table and the operation-type table). The form's own weight labels overlap: it prints 10,001 pounds or less against the $300,000 tier and 10,001 pounds or more against the $750,000 tier. Both labels are recorded exactly as the state prints them rather than silently corrected.Tenn. Code Ann. 65-15-110, the insurance filing condition on issuing an interstate or intrastate permitRecorded access date: Jul 30, 2026

• 10,001 pounds or less lb: $300,000Application for Intrastate Authority, Form RV-F1315501 (10/25)Recorded access date: Jul 30, 2026
• 10,001 pounds or more, non-hazardous lb: $750,000Application for Intrastate Authority, Form RV-F1315501 (10/25)Recorded access date: Jul 30, 2026

The schedule adds $5,000 per vehicle and $10,000 per occurrence to the $750,000 liability minimum for household goods cargo. Cargo coverage is filed by the insurer on Form H, which is required for carriers hauling general freight, household goods, or mobile homes, and for all bus accounts.Tenn. Code Ann. 65-15-110, the insurance filing condition on issuing an interstate or intrastate permitRecorded access date: Jul 30, 2026

Texas trucking insurance requirements

$500,000 is the minimum liability coverage for general freight vehicles over 26,000 pounds. Full schedule by operation type is in the operation-type table.TxDMV Number (Motor Carrier Registration)Recorded access date: Oct 8, 2026

Cargo insurance is required only for household goods movers: $5,000 per vehicle for loss to a single shipper and $10,000 aggregate for loss to multiple shippers on one vehicle, filed on Forms H and I.TxDMV Number (Motor Carrier Registration)Recorded access date: Oct 8, 2026

Utah trucking insurance requirements

R909-1-4(2) fixes $750,000 as the minimum liability for each intrastate private motor carrier. For-hire intrastate carriers fall under the adopted 49 CFR Part 387 schedule (R909-1-3(1)), whose general property figure in 387.9 Table 1 entry (1) is $750,000; the federal table's intrastate reach otherwise extends only to the bulk hazmat entries, which Utah replaces with its own any-quantity rule.Utah Administrative Rule R909-1, Safety Regulations for Motor Carriers (effective June 23, 2026)Recorded access date: Sep 26, 2026

R909-1-4 sets liability minimums only; no intrastate cargo insurance minimum appears in the rule or on the UDOT Motor Carrier Insurance Requirements & MCS-90 page.Utah Administrative Rule R909-1, Safety Regulations for Motor Carriers (effective June 23, 2026)Recorded access date: Sep 26, 2026

Vermont trucking insurance requirements

Vermont sets no truck-specific liability minimum for intrastate property carriers in the sources read. Every registered vehicle must carry at least $25,000 for one person and $50,000 for two or more persons killed or injured, and $10,000 for property damage, in any one crash (23 V.S.A. § 800). Whether Vermont's motor carrier safety rule adopts the federal 49 CFR 387 minimums for intrastate carriers could not be confirmed, because the rule text is only published behind a LexisNexis human-verification check.23 V.S.A. § 800, Maintenance of financial responsibilityRecorded access date: Oct 5, 2026

No cargo insurance requirement for intrastate carriers appears in the Vermont statutes or DMV pages read.23 V.S.A. § 800, Maintenance of financial responsibilityRecorded access date: Oct 5, 2026

Virginia trucking insurance requirements

For property carriers with vehicles of 10,001 lbs GVWR or more, a commercial policy of at least $750,000 bodily injury and property damage, filed with DMV. Vehicles of 7,501 to 10,000 lbs need at least $300,000, and vehicles of 7,500 lbs or less need $25,000 / $50,000 / $20,000 while available for hire, rising to $100,000 / $300,000 / $50,000 once a load is accepted; neither lighter tier is filed with DMV.Property Carrier (For-Hire Intrastate Operating Authority)Recorded access date: Oct 6, 2026

$50,000 cargo coverage when transporting household goods, unless doing so only in passenger cars, motorcycles, autocycles, mopeds and vehicles of 10,000 lbs GVWR or less.Property Carrier (For-Hire Intrastate Operating Authority)Recorded access date: Oct 6, 2026

Washington trucking insurance requirements

$750,000 combined single limit is the filing required for a common carrier hauling nonhazardous property in a vehicle with a gross vehicle weight rating of 10,000 pounds or more. Vehicles rated under 10,000 pounds file $300,000. Hazardous commodities step up to $1,000,000 or $5,000,000 by material. The full grid is in the operation-type table.WAC 480-14-250, the intrastate common carrier liability insurance filing tableRecorded access date: Aug 9, 2026

WAC 480-14-250 requires only liability and property damage cover from a common carrier, so no cargo minimum is recorded for general freight. Household goods carriers are the exception: WAC 480-15-550 requires $10,000 of cargo cover for vehicles rated under 10,000 pounds and $20,000 for vehicles rated 10,000 pounds or more, proved on a certificate of liability insurance or Form H.WAC 480-14-250, the intrastate common carrier liability insurance filing tableRecorded access date: Aug 9, 2026

West Virginia trucking insurance requirements

W. Va. Code 24A-5-5(g) directs the Commission to set insurance limits and provides that the amount set for for-hire vehicles hauling nonhazardous property with a gross vehicle weight of ten thousand or more pounds shall be at least $750,000. The Commission's own published figures have not caught up: 150CSR9 rule 3.2 (effective January 13, 2022) and the Minimum Insurance Requirements chart (revised 2-8-2023) both list intrastate freight equipment at $200,000 bodily injury per person, $600,000 per accident and $100,000 property damage, which the chart totals as a $700,000 combined single limit. The statutory floor is recorded as operative because the statute bars the Commission from setting less; both figures are recorded in the operation-type table rather than reconciled silently.W. Va. Code 24A-5-5, Further regulatory powers of the commissionRecorded access date: Sep 28, 2026

150CSR9 rule 3.3 sets cargo minimums for freight equipment hauling nonhazardous property: $20,000 on any one vehicle and $20,000 aggregate for vehicles under 10,000 pounds GVWR, and $50,000 and $100,000 for vehicles of 10,000 pounds or more. Rule 3.3.2 lifts the cargo minimum for vehicles hauling raw coal, or only solid waste or other discarded property going to disposal. Passenger equipment carries $15,000 (1 to 15 passengers) or $20,000 (16 or more) for passengers' property.W. Va. Code 24A-5-5, Further regulatory powers of the commissionRecorded access date: Sep 28, 2026

Wisconsin trucking insurance requirements

$750,000 is the Wisconsin filing minimum for an intrastate for-hire property carrier running vehicles over 10,000 pounds gross weight. Section 194.41(6)(a) sets the general minimum by reference to the federal level under 49 USC 13906(a)(1), and s. 194.41(6)(b)1. cuts it to $300,000 for a vehicle of 10,000 pounds or less unless that vehicle is transporting hazardous materials listed in 49 CFR 172.101. Passenger and bus operations run on their own schedule; see the operation-type table.Motor carrier insurance for commercial motor vehiclesRecorded access date: Aug 5, 2026

• 10,000 pounds or less lb: $300,000Wis. Stat. s. 194.41, the liability insurance filing condition and the Wisconsin intrastate minimum amountsRecorded access date: Aug 5, 2026
• Over 10,000 pounds, property for hire lb: $750,000Motor carrier insurance for commercial motor vehiclesRecorded access date: Aug 5, 2026

Wisconsin publishes no general cargo insurance amount. Section 194.41(1) lets the department require a certificate or contract protecting the owner of the property transported, in the amount and under the conditions the department sets, and requires one for a carrier transporting a building as defined in s. 348.27(12m)(a)1. The WisDOT insurance page lists liability filings only, so no cargo figure is recorded rather than invented.Motor carrier insurance for commercial motor vehiclesRecorded access date: Aug 5, 2026

Wyoming trucking insurance requirements

Contract carriers must file Form E liability of at least 750,000 dollars combined single limit before a letter of authority issues (WYDOT Motor Carrier rules ch. 3, sec. 3(a)). That equals the federal 49 CFR 387.9 floor for interstate for-hire carriers of nonhazardous property in vehicles of 10,001 pounds or more, but in Wyoming it attaches to any intrastate contract carrier regardless of vehicle weight. Private-only carriers are exempt from insurance filings.Wyoming Administrative Rules, Transportation Dept., Motor Carrier, Chapter 3: Insurance Requirements (effective 06/08/2016, reference 045.0004.3.06082016)Recorded access date: Sep 27, 2026

Form H cargo of 10,000 dollars is required of contract carriers except those hauling raw agricultural products (other than livestock), sand (except in pneumatic trailers), rock, dirt, gravel, or other commodities with no appreciable salvage value. Carriers moving house trailers or mobile homes also file Form MC61E for 5,000 dollars of physical damage cover per unit.Wyoming Administrative Rules, Transportation Dept., Motor Carrier, Chapter 3: Insurance Requirements (effective 06/08/2016, reference 045.0004.3.06082016)Recorded access date: Sep 27, 2026