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Florida trucking

Florida trucking insurance requirements

This page shows stored Florida insurance requirements alongside federal records. Review the liability, cargo and filing scope for your operation. Source notes accompany the fields, and unconfirmed amounts remain labeled. An unknown amount does not establish that the agency publishes no minimum.

By Haul Handbook editorial team· Updated Jul 18, 2026

What Florida requires

These are the state-level rules attached to Florida intrastate operating authority. A field reading "Not confirmed" means this guide has not confirmed that value. The note explains the gap; unknown is not evidence of absence.

Liability minimum
Tiered by gross vehicle weight (see the table below)
Cargo minimum
No state cargo insurance minimum was found on FLHSMV, FDOT, or statute primary sources. Unconfirmed, left blank rather than invented.
Differs from federal
Yes

Minimum liability by gross vehicle weight

Florida sets tiered combined bodily injury and property damage liability minimums by gross vehicle weight under s. 627.7415, F.S. (see the weight tiers below). A single statewide number does not exist, so no single figure is shown, by design.

Florida minimum liability coverage by gross vehicle weight
Gross vehicle weight (lb)Minimum liability
26,000 to 34,999$50,000
35,000 to 43,999$100,000
44,000 and over$300,000

Scroll sideways to see every column.

Vehicles subject to 49 C.F.R. Part 387 subparts A and B must instead carry insurance meeting the federal minimum financial responsibility levels (s. 627.7415, F.S.).

The federal minimums, for contrast

Federal financial-responsibility requirements depend on the operation, vehicle and commodity. Review the rows and exclusions in 49 CFR Part 387 (property carriers 387.303, brokers and freight forwarders 387.307, endorsements 387.15), as displayed on FMCSA's insurance filing requirements page; the filing mechanics live in our BMC-91 and BMC-34 insurance filings guide.

Federal minimum public liability levels by operation (49 CFR Part 387)
OperationVehicleLiability minimum
For-hire property carrier, non-hazardousGVWR under 10,001 lb$300,000
For-hire property carrier, non-hazardous (general freight)GVWR 10,001 lb or more$750,000
For-hire carrier of certain hazardous materialsAny$1,000,000
For-hire and private carriers of explosives, poison gas, or radioactive materialsAny$5,000,000
For-hire carrier of household goodsGVWR 10,001 lb or more$750,000
For-hire carrier of passengers15 or fewer passengers$1,500,000
For-hire carrier of passengers16 or more passengers$5,000,000
Broker of property or household goodsNoneNone
Freight forwarder of propertyNoneNone
Freight forwarder of household goodsNoneNone

Scroll sideways to see every column.

Where insurance fits in the Florida launch

Coverage sits early in the sequence: the federal filing sequence needs your insurer's proof of coverage on file before authority activates, and the state rules above attach to the credential covered on the Florida intrastate authority page. For the full order of operations, work through start a trucking company in Florida.

Frequently asked questions

Does Florida set its own trucking insurance minimums?

The stored record marks state and federal minimums as different. Review the operation-specific rows and source notes; the difference does not establish one amount for every carrier.

Do federal insurance minimums still apply to a Florida carrier?

Federal insurance requirements depend on the vehicle, commodity and operation. Review the federal table and its cited regulation alongside the applicable state requirements; state location alone does not settle coverage or filing scope.

What insurance does a new Florida carrier line up first?

Review the liability, cargo and filing requirements for your operation before comparing coverage. The source notes identify the stored state and federal scope; insurer and contractual requirements need their own check.

Where do these figures come from?

The tables show stored amounts with their recorded sources. A field marked "Not confirmed" is a verification gap. Review its note; that label does not establish that the agency publishes no amount or that no requirement applies.

Haul Handbook publishes educational information about trucking registration and compliance requirements. This is not legal, financial, or tax advice. Rules, fees, and deadlines change; confirm with the agency before you file or pay.