
Trucking Insurance in Connecticut
Get connected with trucking insurance specialists who understand Connecticut’s dense corridors and Northeast market. Compare competitive rates from carriers operating in the Constitution State and ensure your operation stays compliant.
Operating a Trucking Business in Connecticut
Operating a trucking business in Connecticut requires navigating some of the most congested and high-risk freight corridors in the United States. Whether you’re an owner-operator running the I-95 coastal route, a fleet serving the distribution hubs in Hartford, or a regional carrier moving goods through the Naugatuck Valley, having the right insurance is critical for both compliance and financial survival.
Connecticut serves as the essential "gateway" to New England. Because of this, trucking operations here face unique challenges, including aggressive traffic patterns, high repair costs, and strict state-specific regulations like the Highway Use Fee (HUF) for heavy vehicles. From the bustling Port of New Haven to the specialized aerospace manufacturing centers that require high-value cargo protection, the risks in Connecticut are higher than in many other regions. These factors directly influence your insurance premiums and the coverage levels necessary to protect your business from costly litigation.
Our trucking insurance specialists work with top-rated carriers licensed in Connecticut. We understand the specific filing requirements for CT motor carriers and can help you secure the coverage you need at the most competitive rates for the Northeast corridor.
Connecticut Insurance Requirements
Federal Requirements for Interstate Carriers
Interstate carriers based in or traveling through Connecticut must meet FMCSA minimums.
- Primary Liability: $750k ($1M recommended)
- Cargo Insurance: Required for for-hire
- BMC-91X Filing: Proof of federal liability
Connecticut Intrastate Requirements
For intrastate carriers (>18,001 lbs), the CTDOT and DMV set the standards.
Form E & Highway Use Fee (HUF)
CT requires a Form E filing for most intrastate carriers. Additionally, trucks >26k lbs must register for the Highway Use Fee (HUF), a mileage-based tax.
Coverage Types Required in Connecticut
*Workers' Comp is strictly enforced for all businesses with 1+ employees.
Major Freight Corridors
- 01I-95 Coastal
High-risk, congested artery connecting NYC to Rhode Island.
- 02I-84 East-West
Critical link serving Danbury, Waterbury, and Hartford.
- 03I-91 North-South
Connects Port of New Haven to Vermont & Canada.
CT Industries & Risks
- Distribution
Massive logistics hubs along I-91 and I-84 corridors.
- Aerospace
High-value cargo transport for defense & aviation (Pratt & Whitney).
- Traffic Density
One of the most expensive states due to high accident frequency.
What Affects Your Connecticut Rates
Connecticut is consistently ranked among the most expensive states for commercial truck insurance, with frequent accidents and high repair costs.
Bridgeport/Hartford carriers pay more than rural Litchfield operators.
Northeast labor rates are well above national average, driving up APD costs.
Frequent travel on the congested I-95 corridor increases collision risk.
Frequently Asked Questions
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Every day without proper insurance puts your Connecticut trucking business at risk. Get the coverage you need to operate legally and confident.
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