Does Georgia set its own trucking insurance minimums?

Yes. Georgia publishes its own financial-responsibility rules for intrastate carriers, and they are not a copy of the federal levels. Each figure the state publishes renders in the tables here with the official source beside it.

Do federal insurance minimums still apply to a Georgia carrier?

Interstate operations file proof of coverage with FMCSA under 49 CFR Part 387 no matter which state the carrier is based in. The state rules on this page govern intrastate-only operations; the federal table shows the levels an interstate filing must meet.

What insurance does a new Georgia carrier line up first?

Primary liability comes first: the state and federal filings both ride on an active liability policy. Cargo coverage follows where the state or your shippers require it, and physical damage on the truck is a lender requirement rather than a state rule.

Where do these figures come from?

Every dollar amount renders from the state agency publication or statute cited beside it, or from the federal regulation for the contrast table. When an agency publishes no figure, the field reads "Not confirmed" with a note on what the agency does say.

Georgia Trucking Insurance Requirements (2026)

By Evan Reid, Founder of Haul Handbook · Updated Jul 25, 2026

What Georgia requires

These are the state-level rules attached to Georgia intrastate operating authority. A field reading "Not confirmed" means the agency publishes no figure; the note explains what the agency does say.

Liability minimum: Sourced negative, and a necessary one: Georgia issues no general intrastate operating authority for freight (see required:false above), so there is no general intrastate carrier class for a minimum to attach to. The GIMC registration does require a Form E public liability and property damage filing from for-hire registrants, but names no amount; the insurer files the form and the underlying policy limit is not set by a published Georgia floor. Every figure Georgia does publish belongs to a DPS certificate class (household goods, passenger, limousine, non-consensual towing) and is recorded in certificate_insurance_minimums below. Re-checked 2026-07-26 across the DPS rules and the GIMC application; no general-freight figure exists to record.
Cargo minimum: Cargo coverage is required of DPS certificate holders through the Form H filing. No cargo minimum was found for a general intrastate freight carrier.
Differs from federal: Yes

Who files the proof of insurance

Your insurance company makes these filings with the state, not you. Ask for them by form name when you bind coverage.

Liability proof: Form E, Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance
Cargo proof: Form H, Uniform Motor Carrier Cargo Certificate of Insurance
Cancellation: Form K, Uniform Notice of Cancellation of Motor Carrier Insurance Policies

The federal minimums, for contrast

Cross a state line for hire and the federal financial-responsibility levels take over, filed with FMCSA by your insurer. The amounts below render from 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)
Operation	Vehicle	Liability minimum
For-hire property carrier, non-hazardous	GVWR 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 materials	Any	$1,000,000
For-hire and private carriers of explosives, poison gas, or radioactive materials	Any	$5,000,000
For-hire carrier of household goods	GVWR 10,001 lb or more	$750,000
For-hire carrier of passengers	15 or fewer passengers	$1,500,000
For-hire carrier of passengers	16 or more passengers	$5,000,000
Broker of property or household goods	None	None
Freight forwarder of property	None	None
Freight forwarder of household goods	None	None

Scroll sideways to see every column.

Where insurance fits in the Georgia 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 Georgia intrastate authority page. For the full order of operations, work through start a trucking company in Georgia.

Frequently asked questions

Does Georgia set its own trucking insurance minimums?: Yes. Georgia publishes its own financial-responsibility rules for intrastate carriers, and they are not a copy of the federal levels. Each figure the state publishes renders in the tables here with the official source beside it.
Do federal insurance minimums still apply to a Georgia carrier?: Interstate operations file proof of coverage with FMCSA under 49 CFR Part 387 no matter which state the carrier is based in. The state rules on this page govern intrastate-only operations; the federal table shows the levels an interstate filing must meet.
What insurance does a new Georgia carrier line up first?: Primary liability comes first: the state and federal filings both ride on an active liability policy. Cargo coverage follows where the state or your shippers require it, and physical damage on the truck is a lender requirement rather than a state rule.
Where do these figures come from?: Every dollar amount renders from the state agency publication or statute cited beside it, or from the federal regulation for the contrast table. When an agency publishes no figure, the field reads "Not confirmed" with a note on what the agency does say.

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.