Does Idaho set its own trucking insurance minimums?

Yes. Idaho 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 an Idaho 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 Idaho 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.

Idaho Trucking Insurance Requirements (2026)

By Evan Reid, Founder of Haul Handbook · Updated Sep 28, 2026

What Idaho requires

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

Liability minimum: From $750,000; the operation-type table below lists each class
Cargo minimum: IDAPA 39.02.80 sets liability and property damage minimums only.
Differs from federal: Yes

Minimum liability by operation type

General freight is not the floor for every carrier; buy against the row that matches what you haul.

Idaho minimum liability coverage by operation type
Operation type	Minimum liability	Notes
Common and contract carriers of general property, including drive away and tow away units	$750,000
Common and contract property carriers of oil listed in 49 CFR 172.101, or hazardous waste, materials or substances not in the $5,000,000 tier	$1,000,000
Common and contract property carriers of any quantity of Division 1.1, 1.2 or 1.3; Division 2.3 Hazard Zone A or 6.1 Packing Group I Hazard Zone A; highway route controlled Class 7; hazardous substances in tanks over 3,500 water gallons; or Division 2.1 or 2.2 in bulk	$5,000,000
Common and contract passenger carriers, vehicle seating 24 or fewer	$1,500,000
Common and contract passenger carriers, vehicle seating 25 or more	$5,000,000
Private carriers of non-hazardous property (basic Idaho coverage: $25,000 one person, $50,000 two or more, $15,000 property damage)	See note	No single combined figure: the requirement is the split-limit proof of financial responsibility in Idaho Code 49-117, which 49-1229 requires of every registered vehicle.

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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 for vehicles registered intrastate with the haul-for-hire operation type (ITD insurance requirements sheet). IDAPA 39.02.80.021.02 accepts Form E, Department Form E-1, or W.C. 3091 for intrastate common and contract carriers, completed and signed by the insurer's underwriting department.
Cancellation: Insurers must give ITD at least 30 days' notice before terminating coverage or reducing it below the board's amounts (Idaho Code 49-1233(3)); a policy cancellation may result in revocation of the vehicle registration.

Filings are made by the insurance company. Neither ITD's insurance sheet nor IDAPA 39.02.80 states a state filing fee.

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

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