FMCSA Trucking Insurance Requirements: Minimum Coverage, MCS-90, and What Carriers Miss (2026)
Quick Answer
FMCSA requires all for-hire interstate motor carriers to maintain minimum primary liability insurance. The minimum depends on cargo type: $750,000 for general freight carriers, $1,000,000 for general freight carriers hauling oil, and up to $5,000,000 for carriers transporting certain hazardous materials in bulk (49 CFR 387.9). Proof of insurance must be filed with FMCSA by the insurer via Form BMC-91 or BMC-91X.
This comprehensive guide covers everything you need to know about fmcsa trucking insurance requirements: minimum coverage, mcs-90, and what carriers miss (2026). Whether you're a safety manager, compliance officer, or operations director, understanding dot compliance requirements is critical to avoiding costly fines and failed audits.
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