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State Coverage Requirements

Minimum insurance requirements vary by state — see what applies where you live or do business.

The Risks You Carry Every Mile

Trucking companies face exposure that most general business policies were never built for: high-value cargo, tight delivery windows, DOT compliance requirements, driver turnover, and liability that follows every mile you’re on the road. A single accident, cargo claim, or compliance gap can put a fleet’s operating authority at risk.

What Varies by State

  • Minimum auto liability limits 
  • Whether workers’ compensation is required for small employers 
  • Homeowners/condo association insurance requirements 

Find Your State

Choose your state below to review location-specific insurance considerations, common risks, and available coverage guidance. Requirements and carrier availability can change, so confirm final limits and filings with a licensed agent.

25 Covered States

AL

Alabama

AZ

Arizona

AR

Arkansas

CO

Colorado

FL

Florida

GA

Georgia

IL

Illinois

IN

Indiana

IA

Iowa

KY

Kentucky

LA

Louisiana

MI

Michigan

MN

Minnesota

MS

Mississippi

MO

Missouri

NV

Nevada

NC

North Carolina

OH

Ohio

OK

Oklahoma

PA

Pennsylvania

SC

South Carolina

TN

Tennessee

TX

Texas

VA

Virginia

WI

Wisconsin

Confirm the Requirements for Your State

State minimums are only a starting point. A licensed agent can help confirm the limits, filings, and coverage your operation actually needs.