California's #1 Commercial Trucking Insurance

Protect Your Rig.
Drive California
With Confidence.

Interstate & intrastate coverage tailored for California truck operators. From federal minimum liability to cargo, physical damage, life insurance, and beyond — we get truckers covered fast.

$750K

Min. Primary Liability

24hr

Quote Turnaround

50+

Carriers Available

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Federal & State Minimums

California Coverage Requirements

California has some of the strictest commercial trucking requirements in the nation. Here's what you need to legally operate.

Min. Primary Liability

$750,000

General Freight (FMCSA 49 CFR 387)

Hazmat Minimum

$5,000,000

Hazardous materials carriers

Min. Cargo Coverage

$100,000

Recommended minimum

Federal Minimums by Cargo Type

General Freight	$750,000
Oil / Petroleum	$1,000,000
Hazmat (non-bulk)	$1,000,000
Hazmat (bulk)	$5,000,000
Household Goods	$750,000

Quick Links & Resources

FMCSA Official Site →
Request MCS-90 Filing Help →
Get Hazmat Coverage Quote →
View All 50 States →

Compliance

Required Federal Filings

All interstate carriers must submit these filings to the FMCSA. We handle the paperwork for you.

MCS

MCS-90 Endorsement

Proves financial responsibility for interstate carriers. Must be filed directly with the FMCSA and attached to your policy.

BOC

BOC-3 Process Agent

Blanket of Coverage form designating a process agent in every state you operate in. Required for all interstate carriers.

BIT

CA DMV BIT Inspection

California's Basic Inspection of Terminals program. Required for carriers with terminals in CA operating vehicles over 10,000 lbs GVWR.

MCP

Motor Carrier Permit (MCP)

Required by California for intrastate operations. Carriers must register with CARB and comply with emissions standards.

Coverage Options

Coverage Types for California Operations

From legally required coverage to smart add-ons that protect your livelihood — we offer everything a California trucker needs.

Coverage Type	Required?	Typical Minimum	Who Needs It
Primary Liability	Required	$750,000	All interstate carriers
Motor Truck Cargo	Recommended	$100,000	Any carrier hauling freight
Physical Damage	Recommended	Based on equipment value	Owner-operators with loans
Bobtail / Non-Trucking	Optional	Varies	Leased O/O driving without dispatch
General Liability	Recommended	$1,000,000	Carriers with loading/unloading exposure
Hazmat (if applicable)	Required if Hauling	$5,000,000	Any carrier hauling hazardous materials
Occupational Accident	Optional	Varies	Owner-operators not covered by workers comp
Life Insurance	Optional	Varies	Protecting your family's future

California Only

California-Specific Requirements

California has the strictest trucking regulations in the country. Our specialists know every requirement inside and out.

CARB Compliance

Carriers must register with the California Air Resources Board and comply with emissions standards. Non-compliant vehicles face fines and operational stops.

Motor Carrier Permit

California requires an MCP for intrastate operations. This is separate from your federal authority and must be renewed annually through the DMV.

Strict Weight Rules

California enforces unique weight limits and bridge formula rules. Permits are required for oversize/overweight loads on state highways.

Why CA Trucking Insurance

The Specialists Truckers Trust

50+

Carrier Partners

We shop the market so you get the best rate without sacrificing coverage.

24hr

Quote Turnaround

Most quotes delivered within 24 hours so you can get back on the road.

100%

CA Specialists

Every agent on our team knows California trucking law cold — no generalists.

Quote Cost

No commitment, no pressure. Get your quote free and decide when you're ready.

Ready to Get Covered?

Speak with a California trucking insurance specialist today. No pressure, just answers.

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