Resources
FMCSA insurance requirements
The federal minimum liability limits for motor carriers, the filings that prove you have them, and what brokers usually expect on top.
Minimum liability limits
For-hire motor carriers operating in interstate commerce must carry at least these levels of financial responsibility, under 49 CFR Part 387.
| Type of carrier | Vehicle GVWR | Minimum |
|---|---|---|
| For-hire, general freight (non-hazardous) | 10,001 lbs or more | $750,000 |
| Oil (as listed in 49 CFR 171.8) | 10,001 lbs or more | $1,000,000 |
| Hazardous materials not listed below | 10,001 lbs or more | $1,000,000 |
| Certain hazmat: bulk Division 2.3 Zone A or 6.1 Zone A, Division 1.1–1.3 explosives, highway route controlled radioactive | Any | $5,000,000 |
| For-hire, general freight (non-hazardous) | Under 10,001 lbs | $300,000 |
Filings that prove your coverage
- BMC-91 / BMC-91XYour insurance company files this with the FMCSA to show you carry the required liability. Your MC authority can't go active without it.
- MCS-90 endorsementAdded to your auto liability policy. It guarantees the public will be compensated up to the federal minimum, even in some cases the policy wouldn't otherwise cover.
- BMC-34Proof of cargo insurance. Required only for household goods carriers: $5,000 per vehicle and $10,000 per occurrence.
- BOC-3Not insurance, but required for authority: it names a process agent in each state where you operate.
California requirements
California carriers operating intrastate need proof of liability insurance on file to get and keep a Motor Carrier Permit (MCP), and workers' comp if they have employees. Limits depend on what you haul and your vehicle weight. Our permit team can confirm yours.
This page is general information, not legal advice. Check current rules at fmcsa.dot.gov.
Common questions
What is the minimum insurance for a semi truck?
For a for-hire carrier hauling general freight interstate, the FMCSA minimum is $750,000 in primary auto liability.
Does the FMCSA require cargo insurance?
Only for household goods carriers. Brokers and shippers usually require cargo coverage anyway.
What happens if my insurance lapses?
Your insurance company notifies the FMCSA, and your authority can be revoked if new coverage isn't filed in time. Talk to us before a policy cancels.
Ready to get your trucks covered?
Talk to a trucking agent today. Quotes are free and there's no obligation.