Trucking Insurance
Across America
Get connected with trucking insurance specialists who understand your state's requirements and regional insurance market. Find your state below to learn about specific regulations and coverage.
Expertise in Every State
Jurisdiction
Trucking insurance requirements and market conditions vary by state. While federal FMCSA regulations set baseline requirements for interstate carriers, individual states have their own rules for intrastate operations, minimum coverage limits, registration requirements, and filing procedures.
Whether you operate solely within one state or run cross-country routes, our specialists work with carriers licensed in all 48 continental states and can help you navigate both federal and state requirements.
"Select your state below to learn about specific insurance requirements and get connected with appropriate coverage options."
Cross-country protection for every American road.
Find Your State
Northeast States
Connecticut motor carrier insurance requirements and Northeast corridor considerations for CT-based carriers.
Delaware trucking insurance requirements, Mid-Atlantic region coverage, and specialist guidance.
Maine trucking insurance requirements, Northeast region coverage, and guidance for carriers in the Pine Tree State.
Maryland motor carrier insurance requirements and Mid-Atlantic corridor considerations for carriers in the Old Line State.
Massachusetts trucking insurance coverage, New England market considerations, and requirements for the Bay State.
New Hampshire trucking insurance coverage and New England market considerations for the Granite State.
New Jersey motor carrier insurance requirements and Northeast corridor considerations for Garden State carriers.
New York motor carrier insurance requirements, unique state regulations, and specialized market conditions.
Pennsylvania motor carrier insurance requirements and Northeast corridor coverage for Keystone State operators.
Rhode Island trucking insurance coverage and New England market considerations for the Ocean State.
Vermont trucking insurance coverage and New England market considerations for the Green Mountain State.
Southeast States
Trucking insurance requirements and market information for Alabama carriers. Learn about intrastate vs. interstate requirements.
Florida trucking insurance coverage, unique state requirements, and hurricane considerations for FL carriers.
Georgia motor carrier insurance requirements and major freight corridor considerations in the Peach State.
Kentucky trucking insurance requirements and Ohio River corridor coverage for Bluegrass State operators.
Louisiana motor carrier insurance coverage and port operations considerations for the Pelican State.
Mississippi motor carrier insurance requirements and Gulf Coast corridor coverage for MS carriers.
North Carolina trucking insurance coverage and Southeast corridor considerations for Tar Heel State carriers.
South Carolina motor carrier insurance requirements and Southeast corridor coverage for Palmetto State carriers.
Tennessee motor carrier insurance requirements and major freight corridor coverage for Volunteer State carriers.
Virginia motor carrier insurance requirements and Mid-Atlantic corridor coverage for Old Dominion carriers.
West Virginia motor carrier insurance requirements and Appalachian region coverage for the Mountain State.
Midwest States
Illinois trucking insurance coverage, Chicago market considerations, and requirements for the Prairie State.
Indiana motor carrier insurance requirements and Midwest corridor coverage for IN carriers.
Iowa trucking insurance requirements and agricultural corridor considerations for Hawkeye State carriers.
Kansas motor carrier insurance coverage and central plains considerations for the Sunflower State.
Michigan motor carrier insurance requirements and Great Lakes region coverage for carriers in the Wolverine State.
Minnesota trucking insurance coverage, Upper Midwest considerations, and requirements for the North Star State.
Missouri trucking insurance coverage, central corridor considerations, and requirements for the Show-Me State.
Nebraska trucking insurance coverage, Great Plains considerations, and requirements for the Cornhusker State.
North Dakota motor carrier insurance requirements and Northern plains coverage for the Peace Garden State.
Ohio trucking insurance coverage, major freight hub considerations, and requirements for the Buckeye State.
South Dakota trucking insurance coverage and Northern plains considerations for the Mount Rushmore State.
Wisconsin trucking insurance coverage, Upper Midwest considerations, and requirements for the Badger State.
Southwest States
Arizona trucking insurance coverage options, state-specific regulations, and specialist guidance.
New Mexico trucking insurance coverage and Southwest region considerations for the Land of Enchantment.
Oklahoma motor carrier insurance requirements and South-central corridor coverage for Sooner State carriers.
Texas trucking insurance coverage, extensive state requirements, and specialist guidance for Lone Star State carriers.
West States
California trucking insurance requirements, including unique state regulations and higher minimum limits.
Colorado trucking insurance coverage, mountain state considerations, and requirements for the Rocky Mountain region.
Idaho trucking insurance requirements and Northwest region coverage for carriers operating in or through Idaho.
Montana motor carrier insurance requirements and Northern plains coverage for operators in Big Sky Country.
Nevada motor carrier insurance requirements and Western corridor coverage for Silver State carriers.
Oregon trucking insurance coverage, Pacific Northwest considerations, and requirements for the Beaver State.
Utah motor carrier insurance requirements and Mountain West corridor coverage for Beehive State carriers.
Washington trucking insurance coverage and Pacific Northwest considerations for the Evergreen State.
Wyoming motor carrier insurance requirements and Rocky Mountain corridor coverage for Cowboy State carriers.
Understanding State
Insurance Requirements
Different types of operations require different compliance filings and insurance limits.
Interstate Operations
If you operate across state lines (interstate commerce), you must comply with federal FMCSA insurance requirements regardless of which states you travel through.
Federal Minimums:
- General freight: $750,000 (most carry $1M)
- Hazardous materials: $1,000,000 to $5,000,000
- For-hire passenger: $1,500,000 to $5,000,000
Intrastate Operations
If you operate solely within one state (intrastate commerce), you must comply with that state's specific insurance requirements and unique filing procedures.
State Variations Include:
- Higher liability minimums than federal
- State-specific insurance licensing
- Unique certificate filing procedures
- Specific pollution or cargo requirements
Operating in
Multiple States?
If your trucks travel through multiple states, your insurance must provide coverage in all jurisdictions where you operate. Most trucking insurance policies provide nationwide coverage, but state-specific requirements may still apply.
Considerations for Multi-State Carriers:
Coast-to-Coast
Protection Experts
Our trucking insurance specialists ensure your coverage meets requirements in all states where you operate. One policy, total compliance.
Get State-Specific
Insurance Guidance
Don’t guess about state insurance requirements. Our trucking insurance specialists understand both federal FMCSA regulations and individual state requirements.
When you call, we'll:
"Ready to get properly covered in your state?"
Call 405-963-3920 for State-Specific QuotesWhether you operate in one state or all 48, we’ve got you covered.
Nationwide Coverage,
Local Expertise
State-Savvy
We stay current on insurance requirements across all 48 continental states.
Multiple Carriers
Access to carriers licensed across the country for total geographical coverage.
Simplified Compliance
We handle the complex filings and certificates so you don't have to.
Rapid Growth
Easily add states to your policy as your business expands its reach.
State-Compliant Coverage
Starts Here
No matter where you operate, you deserve insurance guidance from specialists who understand your state’s requirements and the regional market.