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Lombardi Law Firm

For good advice see a lawyer and if you have questions about this blog, the law or your case write or call me directly. Steve Lombardi, sdlombardi@aol.com and 515-222-1110. I handle all types of personal injury cases including car accidents, truck accidents, motorcycle accidents, workers' compensation cases. We help truckers all across the country who come through Iowa and end up in an accident. If we need other lawyers from other states we hire them and it costs you no more than what you would pay us; in other words, we split the fee between us. We also handle other civil types of cases and do defend when called upon. After all I am a lawyer. So call 515-222-1110 or email us at sdlombardi@aol.com. 
Steve Lombardi, Attorney

Steve Lombardi
Iowa civil trial, workers' compensation and personal injury lawyer

Blog Category:
9/24/2010
Steve Lombardi
Comments (0)

What is the minimum insurance coverage I need for a tractor trailer in the USA?

Interesting question and one that I've not had asked of me before today. Semi trucks are covered under federal law because of the nature of their business being multi-state or in the stream of commerce.

Tractor Trailers require a limit of $1,000,000 for operation; all other vehicles require coverage amounts according to the laws in their base state. See the Truckers Insurance Group's FAQ's and eHow's discussion of Semi-Truck Insurance. The amount of coverage you need along with the types of loads you carry and the driver's own record will dictate the premium.

For state minimum limits for cars, motorcycles and SUV's see Car Insurance Requirements.

State-by-State Minimum Requirements

  • Alaska 50/100/25
  • Alabama 20/40/10
  • Arkansas 25/50/15
  • Arizona 15/30/10
  • California 15/30/5
  • Colorado 25/50/15
  • Connecticut 20/40/10
  • Delaware 15/30/5
  • Florida 10/20/10
  • Georgia 15/30/10
  • Hawaii 20/40/10
  • Idaho 20/50/15
  • Illinois 20/40/15
  • Indiana 25/50/10
  • Iowa 20/40/15
  • Kansas 25/50/10
  • Kentucky 25/50/10
  • Louisiana 10/20/10
  • Maine 50/100/25
  • Maryland 20/40/10
  • Massachusetts 20/40/5
  • Michigan 20/40/10
  • Minnesota 30/60/10
  • Mississippi 25/50/25
  • Missouri 25/50/10
  • Montana 25/50/10
  • Nebraska 25/50/25
  • New Hampshire 25/50/25
  • New Jersey 15/30/5
  • New Mexico 25/50/10
  • Nevada 15/30/10
  • New York 25/50/10
  • North Carolina 30/60/25
  • North Dakota 25/50/25
  • Ohio 12.5/25/7.5
  • Oklahoma 10/20/10
  • Oregon 25/50/10
  • Pennsylvania 15/30/5
  • Rhode Island 25/50/25
  • South Carolina 25/50/25
  • South Dakota 25/50/25
  • Tennessee 25/50/10
  • Texas 20/40/15
  • Utah 25/65/15
  • Virginia 25/50/20
  • Vermont 25/50/10
  • Washington 25/50/10
  • Wisconsin 25/50/10
  • West Virginia 20/40/10
  • Wyoming 25/50/20

 



Category: Car Damage Property Accident Lawyer


28 Comments to "What is the minimum insurance coverage I need for a tractor trailer in the USA?"

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Toko: Find an insurance agent in whichever state you will register the truck and ask them to quote the minimum coverage, medium coverage and maximum coverage. That is the way to get some idea of what it will cost. Good luck. Steve
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Posted by Project Management Essay on October 20, 2011 at 08:22 AM
Tractor Trailers require a limit of $1,000,000 for operation, this amount is so huge.
Posted by asbestos survey london on August 19, 2011 at 01:58 AM
Steve, you mention that semi trucks are covered under federal law. As a practical matter, what differences would we likely see if they were covered under state law? Do you have an opinion on which is preferable?
Posted by Sam on March 28, 2011 at 03:21 PM
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Posted by addisonbruno on November 16, 2010 at 10:45 AM
Tractor Trailers require a limit of $1,000,000 for operation; all other vehicles require coverage amounts according to the laws in their base state.
Posted by James Morgan - Puritan Financial Advisor on October 22, 2010 at 12:56 AM
Semi trucks are covered under federal law because of the nature of their business being multi-state or in the stream of commerce.
Posted by James Morgan - Puritan Financial Advisor on October 12, 2010 at 03:43 AM
Thanks!
Posted by Steve Lombardi on September 29, 2010 at 04:57 PM
You made some excellent points in that last post on the subject.
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