Minimum Coverage Calculator
Look up federal minimum insurance requirements by operation type. Based on FMCSA 49 CFR Part 387.
Federal minimums only
These are the minimum amounts required by federal regulation. Broker contracts, shipper requirements, and state laws may specify higher coverage amounts. Always verify the specific requirements in your operating agreements.
Select Your Operation Type
Choose the category that best describes your primary operation.
For-hire carriers transporting general commodities in interstate commerce, not including hazardous materials.
Required Liability
$750,000
Minimum bodily injury & property damage liability
49 CFR §387.9 — Minimum levels of financial responsibility for for-hire motor carriers of property.
Required Cargo
No federal minimum
No federal cargo insurance minimum for motor carriers. However, most broker and shipper contracts require $100,000 cargo coverage as a standard contractual term.
Regulation
49 CFR Part 387, Subpart A
View full regulation on eCFR.govVerify Your Coverage
Typical Contractual Minimums
Beyond federal requirements, most broker-carrier agreements require these coverage levels. These are industry norms, not federal law.
| Coverage | Typical Minimum | Context |
|---|---|---|
| Auto liability | $1,000,000 | Most broker-carrier agreements |
| Cargo insurance | $100,000 | Standard for general freight |
| General liability | $1,000,000 | Often required in addition to auto |
| Workers' compensation | Statutory | Required by state law in most states |
Federal Minimums Reference
All amounts per 49 CFR Part 387
| Operation Type | Liability | Cargo |
|---|---|---|
| General Freight (non-hazmat) | $750,000 | None |
| Household Goods | $750,000 | None |
| Oil Transport (hazmat) | $1,000,000 | None |
| Hazmat (non-oil, non-radioactive) | $5,000,000 | None |
| Radioactive Materials | $5,000,000 | None |
| Passengers (≤ 15 passengers) | $1,500,000 | N/A |
| Passengers (> 15 passengers) | $5,000,000 | N/A |
| Freight Broker | $75,000 bond | None |
| Freight Forwarder | $75,000 bond | None |
Related Tools
This tool references 49 CFR Part 387 as published on eCFR.gov. Regulations are subject to change. This is for informational purposes only and does not constitute legal advice. Consult with a transportation attorney or insurance professional for compliance guidance specific to your operation.