Trucking insurance by state

Federal rules are the same. State rules are not.

Most trucking compliance is federal, but intrastate authority, state insurance minimums, weight taxes, and workers comp change at the state line. Pick your state for a plain-language overview, with the official sources to verify it.

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Eleven western states. Each page is general information, not legal or FMCSA advice, and links the official agencies to confirm current rules.

Oregon

ODOT authority, $750k filing, Weight-Mile Tax.

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California

DMV Motor Carrier Permit chain, $300k to $5M.

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Washington

UTC authority and the monopolistic L&I workers comp.

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Idaho

ITD Form E filing; lapse can revoke registration.

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Utah

UDOT registration; $750k, or $1M plus MCS-90 for hazmat.

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Nevada

DMV vs Transportation Authority split; non-UCR state.

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Arizona

ADOT credentials; Corporation Commission step for IRP/IFTA.

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Montana

MDT registration, titling all units, competitive state fund.

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Colorado

PUC for passenger/HHG/towing; freight on intrastate USDOT.

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Texas

TxDMV Number; $500k to $5M; largely voluntary workers comp.

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New Mexico

NMPRC authority and a quarterly weight-distance tax.

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Last verified June 2026. Trucking rules are mostly federal and state rules change. Always confirm current requirements with the FMCSA and your state motor carrier and workers comp agencies before you rely on this.

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