FMCSA insurance requirements for carriers (minimums)
For-hire interstate motor carriers must keep minimum levels of financial responsibility on file with FMCSA (49 CFR Part 387). Typical minimums for property carriers with vehicles over 10,001 lbs:
| Cargo | Minimum liability |
|---|---|
| General freight (non-hazardous) | $750,000 |
| Oil and certain hazardous materials | $1,000,000 |
| Certain hazardous materials (e.g., explosives, large bulk hazmat) | $5,000,000 |
Always confirm current rules in 49 CFR 387 — this summary is not legal advice. Many shippers and brokers require more than the federal minimum by contract.