Does Indiana set its own trucking insurance minimums?

Indiana's published pages do not confirm a standalone intrastate minimum for every case. Where the state publishes no figure, this page says so instead of guessing, and the note beside each field explains what the state does require.

Do federal insurance minimums still apply to an Indiana 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 Indiana 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.

Indiana Trucking Insurance Requirements (2026)

By Evan Reid, Founder of Haul Handbook · 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 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: 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

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

Indiana minimum liability coverage by operation type
Operation type	Minimum liability
Nonhazardous property, general (the standard intrastate for-hire figure)	$750,000
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
Passengers, using vehicles with a seating capacity greater than 15 passengers	$5,000,000
Contract carriers transporting railroad employees	$5,000,000
Self-insurance	Not applicable

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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

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 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.

Frequently asked questions

Does Indiana set its own trucking insurance minimums?: Indiana's published pages do not confirm a standalone intrastate minimum for every case. Where the state publishes no figure, this page says so instead of guessing, and the note beside each field explains what the state does require.
Do federal insurance minimums still apply to an Indiana 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 Indiana 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.