Does Illinois set its own trucking insurance minimums?

Yes. Illinois 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 Illinois 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 Illinois 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.

Illinois Trucking Insurance Requirements (2026)

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

What Illinois requires

These are the state-level rules attached to Illinois 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: $5,000 (Unprocessed agricultural commodities, milk in bulk, commodities in dump-type vehicles, and ordinary livestock carry a $5,000 requirement per vehicle at any one time with no separate aggregate. A carrier that does not and will not haul cargo worth more than $5,000, and will not perform a for-hire drive-away of a vehicle worth more than $5,000, may file a Cargo Insurance Waiver Affidavit instead of Form H.)
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.

Illinois minimum liability coverage by operation type
Operation type	Minimum liability
Freight vehicles rated over 10,000 lb GVWR, non-hazardous property	$750,000
Freight vehicles rated at or under 10,000 lb GVWR, ordinary commodities	$300,000
Over 10,000 lb GVWR, oil, hazardous waste, and other listed hazardous materials (Category C)	$1,000,000
Over 10,000 lb GVWR, bulk hazardous substances, compressed gas, and cargo-tank hazmat (Category B)	$5,000,000
Over 10,000 lb GVWR, Class A or B explosives, poison gas, or highway route controlled quantity radioactive materials (Category D)	$5,000,000
At or under 10,000 lb GVWR, Class A or B explosives, poison gas, or highway route controlled quantity radioactive materials	$5,000,000

Scroll sideways to see every column.

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, filed by an insurance company authorized to write insurance in Illinois
Cargo proof: Form H, filed by an insurance company authorized to write insurance in Illinois, or a Cargo Insurance Waiver Affidavit filed by the applicant
If coverage lapses: A certificate may be suspended for failure to have continuous insurance coverage in effect and on file. Section 18c-1704(6)(a) lets the Commission suspend the license or registration by directive pending final disposition of revocation proceedings.625 ILCS 5/18c-1704(6)(a)Filing proof of insurance during the temporary suspension period lifts the suspension at no charge. That is the Commission's own fee position, not a term of Section 18c-1704(6)(a), which carries the suspension power and sets no fee. Reinstating a certificate after the suspension period has expired costs $50.

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 Illinois 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 Illinois intrastate authority page. For the full order of operations, work through start a trucking company in Illinois.

Frequently asked questions

Does Illinois set its own trucking insurance minimums?: Yes. Illinois 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 Illinois 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 Illinois 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.