Does Indiana set its own trucking insurance minimums?

The stored record does not mark a difference from the federal minimums. Review the applicable operation and source notes before using a coverage amount.

Do federal insurance minimums still apply to an Indiana 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 Indiana 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.

Indiana Trucking Insurance Requirements (2026)

By Haul Handbook editorial team· Updated Aug 9, 2026

What Indiana requires

These are the state-level rules attached to Indiana 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: $750,000 for the main class; the operation-type table below lists each class
Cargo minimum: Every proof-of-security option on Form IOA-1 is a public liability figure filed in accordance with 49 CFR Part 1043. The form states no cargo insurance amount, the intrastate authority pages state none, and IC 8-2.1-24-17 leaves the amount to departmental rule rather than fixing a figure, so no cargo minimum is recorded here. Household goods applicants are told to see Form IOA-1 for their insurance requirements, and Form IOA-1 lists no separate household goods cargo line.
Differs from federal: No

Minimum liability by operation type

Review the operation-specific scope and source notes before relying on a coverage amount.

Indiana minimum liability coverage by operation type
Operation type	Minimum liability	Notes
Nonhazardous property, general (the standard intrastate for-hire figure)	$750,000	Filed in accordance with 49 CFR Part 1043.
Nonhazardous property, operating only vehicles with a gross vehicle weight rating of 10,000 pounds or less	$300,000
Hazardous materials, standard tier	$1,000,000
Hazardous materials, high-risk divisions (the divisions Form IOA-1 prints in bold on its hazardous materials table)	$5,000,000
Passengers, using only vehicles with a seating capacity of fewer than 16 passengers	$1,500,000	The Department of Revenue states the same figure as $1.5 million in commercial bodily injury and property damage coverage for a carrier transporting 15 passengers or fewer.
Passengers, using vehicles with a seating capacity greater than 15 passengers	$5,000,000	The Department of Revenue states the same figure as $5 million in commercial bodily injury and property damage coverage for a carrier transporting 16 passengers or more.
Contract carriers transporting railroad employees	$5,000,000	Form IOA-1 attributes this line to IC 8-2.1-22-46. The published text of that section does not itself name railroad employees or a dollar figure; it requires proof of financial responsibility at the minimum level established under 49 U.S.C. 13906(a)(1). The figure is therefore recorded on the department's form alone.
Self-insurance	See note	Form IOA-1 allows an applicant to certify that it has an approved self-insurance plan or other security in full force and effect, is in full compliance with the conditions imposed by the order, and has attached or previously filed a copy of the self-insurance order with the registration state.

Scroll sideways to see every column.

Who files the proof of insurance

The rows identify stored proof-of-coverage filings. Confirm which filing applies to your authority and who submits it before requesting a form.

Liability proof: Form E

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