Classic American truck on highway with Chicago skyline in distance
Illinois Coverage Specialists

Trucking Insurance in Illinois

Get connected with trucking insurance specialists who understand the Illinois Commerce Commission (ICC) requirements and the demands of the Chicago freight market. Compare competitive rates from carriers operating in the Land of Lincoln.

Operating a Trucking Business in Illinois

Operating a trucking business in Illinois means being at the center of the North American supply chain. Whether you are an owner-operator running intermodal loads out of the Joliet rail yards, a fleet serving the agricultural heart of Central Illinois, or an interstate carrier navigating the "spaghetti bowl" interchanges of Chicago, securing the right insurance is critical.

Illinois is a unique market due to its dual status as a top agricultural producer and the nation’s premier rail-to-truck hub. This high volume of freight leads to dense traffic and increased risks on major arteries like I-80, I-55, and the Dan Ryan Expressway. Beyond the road risks, Illinois motor carriers must navigate specific state authority requirements overseen by the Illinois Commerce Commission (ICC). From mandatory intrastate filings (Form E and Form H) to the complexities of Chicago’s urban logistics, our specialists understand the nuances of operating in the Land of Lincoln.

Illinois Insurance Requirements

Federal Requirements (Interstate)

Interstate carriers based in or traveling through Illinois must adhere to FMCSA standards.

  • Primary Liability: $750k ($1M recommended)
  • Cargo: Required for for-hire

Illinois Intrastate (ICC Authority)

The Illinois Commerce Commission (ICC) oversees intrastate Public Carrier Certificates.

Mandatory State Filings

Form E: Proof of public liability insurance filed with ICC.

Form H: Proof of cargo insurance ($5k min) for for-hire property carriers.

General Freight (>26k lbs)
$750,000 CSL
Light-Duty (20k-26k lbs)
$300,000 CSL

Coverage Types Required in Illinois

Primary Liability (Form E)
Cargo (Form H)
Physical Damage
Non-Trucking Liability
Workers' Compensation

*Workers' Comp is mandatory for most IL employers.

Major Freight Corridors

  • 01
    I-80 Cross-Country

    Critical east-west corridor; high volume & congestion.

  • 02
    I-55 South

    Connects Chicago to St. Louis & New Orleans ports.

  • 03
    I-90/94 (Chicago)

    "The Kennedy" and "Dan Ryan"—nation's busiest trucking routes.

IL Industries & Risks

  • Intermodal

    Elwood & Joliet rail yards define the Chicago logistics market.

  • Severe Weather

    Lake-effect snow & high winds pose crash/blow-over risks.

  • High Congestion

    Chicago bottlenecks lead to high "fender-bender" frequency.

What Affects Your Illinois Rates

Illinois rates are influenced heavily by your proximity to Chicago and your operation type.

Location

Chicago collar counties pay much more than downstate areas like Springfield.

Intermodal

Rail yard drayage has higher liability risks due to congestion.

New Ventures

New authorities in IL often see higher premiums for the first 2 years.

Frequently Asked Questions

Get Your Illinois Quote

From Chicago drayage to downstate agriculture, we know Illinois trucking.

(405) 963-3920

Fast Quotes • Licensed Agents

Protect Your Illinois Operation

Every day without proper insurance puts your Illinois trucking business at risk. Get the coverage you need to operate legally and confident.

Call (405) 963-3920 for Quotes