FMCSA Insurance Requirement Finder
Federal minimums range from $300,000 to $5,000,000 depending on what you haul, vehicle weight, and whether you're for-hire. Answer a few questions to see yours.
Do your vehicles cross state lines (or carry freight that's moving interstate)?
Frequently asked questions
What's the minimum insurance for an MC number?
For for-hire general freight in vehicles of 10,001 lbs or more, $750,000. Vehicles under 10,001 lbs need $300,000. Oil and most hazmat need $1,000,000, and the most dangerous hazmat needs $5,000,000.
Why do brokers require $1 million if the law says $750,000?
Brokers and shippers set their own carrier requirements to protect themselves. In practice, $1,000,000 auto liability and $100,000 cargo is the standard for most freight.
Do private carriers need to file insurance with FMCSA?
Private carriers of non-hazardous property don't file insurance with FMCSA, but private carriers of hazardous materials must meet the federal minimums.