Commercial Truck Insurance in Florida
Florida requires commercial motor vehicles to carry combined liability of $50,000 (26,000–34,999 lb), $100,000 (35,000–43,999 lb) or $300,000 (44,000 lb+) under Fla. Stat. 627.7415. Vehicles subject to 49 CFR 387 must instead meet federal levels, $750,000 for most interstate freight.
By TruckerStack Editorial, AK Digital Marketing LLC · Checked against official sources on 2026-11-04 · Editorial policy · Not insurance, legal or financial advice.
Florida intrastate minimums
| Florida GVW | Minimum combined BI/PD |
|---|---|
| 26,000 to under 35,000 lb | $50,000 per occurrence |
| 35,000 to under 44,000 lb | $100,000 per occurrence |
| 44,000 lb or more | $300,000 per occurrence |
| Subject to 49 CFR 387 A/B | Federal minimums |
Sources: Fla. Stat. 627.7415.
These amounts are in addition to Florida's other auto insurance requirements. Brokers routinely require far more than the state floor.
If you cross state lines
Interstate for-hire carriers follow federal minimums regardless of base state:
| Interstate for-hire freight | Federal minimum |
|---|---|
| General freight, GVWR 10,001 lb or more | $750,000 |
| Oil (49 CFR 172.101 listed) | $1,000,000 |
| Certain hazmat (e.g. Div 1.1–1.3, bulk 2.3 Zone A) | $5,000,000 |
| General freight, GVWR under 10,001 lb (for-hire) | $300,000 |
Sources: 49 CFR 387.9 and 49 CFR 387.303 (under-10,001 lb tier).
Quote factors
Premiums are set by each insurer and we do not publish price estimates. What moves a quote: authority age (new MCs are rated higher), driver MVR and CDL experience, radius and lanes, commodity, vehicle value and GVWR, garaging ZIP, CSA/inspection history (check yours in our DOT lookup), deductibles and limits above the minimum that brokers often require.
State page: Florida trucking requirements (IRP, IFTA, permits).
Related
- Commercial truck insurance hub
- Insurance minimums table
- Authority & insurance checker
- Check any carrier's insurance on file
FAQ
What insurance does a commercial truck need in Florida?
$50,000, $100,000 or $300,000 combined liability by weight (Fla. Stat. 627.7415), or federal minimums if subject to 49 CFR 387.
Does Florida require $750,000?
Only for vehicles subject to federal 49 CFR 387 subparts A and B, such as interstate for-hire freight 10,001 lb+.