Florida Truck Insurance
Florida is one of the top trucking states with massive freight volume from ports, agriculture, and construction. Florida trucking insurance must account for hurricane exposure, high litigation rates, and year-round operations.
Full Coverage LLC is licensed in Florida. In business since 2020 Β· BBB A+ (accredited since December 2023) Β· Agency NPN 19601127.
Florida Trucking Insurance Requirements
Federal Requirements
Trucks that cross state lines follow the FMCSA minimums: $750,000 liability for general freight, $1,000,000 to $5,000,000 for hazardous materials.
Coverage We Provide in Florida
Florida Trucking Rules That Affect Your Insurance
Federal rules cover trucks that cross state lines. These are Florida's own rules, read from the state's official pages.
- Who regulates in-state trucking
- The Florida Department of Transportation's Office of Motor Carrier Compliance and FMCSA run a Motor Carrier Registration Program for interstate and intrastate carriers. fdot.gov Β· checked 2026-10-21
The Florida Department of Transportation, Office Motor Carrier Compliance (OMCC), and Federal Motor Carrier Safety Administration (FMCSA), have implemented a Motor Carrier Registration Program for Interstate and Intrastate motor carriers.
- USDOT number for in-state trucks
- Florida requires intrastate carriers to register for a USDOT number and display it on power units; no registration fee for intrastate-only companies. flhsmv.gov Β· checked 2026-10-21
Registration fees may be applied for companies engaged in interstate commerce, but are not applied for companies solely engaged in intrastate operations.
- Minimum liability for in-state hauling
- Florida statute sets tiered minimums by weight: $50,000 per occurrence at 26,000-34,999 lb, $100,000 at 35,000-43,999 lb, $300,000 at 44,000 lb or more. leg.state.fl.us Β· checked 2026-10-21
Three hundred thousand dollars per occurrence for a commercial motor vehicle or qualified motor vehicle with a gross vehicle weight of 44,000 pounds or more.
- Also worth knowing
- Florida intrastate drivers may drive 12 hours after 10 consecutive hours off duty, a different limit from the federal 11 hours. flhsmv.gov Β· checked 2026-10-21
Driver may drive 12 hours after 10 consecutive hours off duty.
Florida Truck Insurance by Truck Type
Main Florida freight corridors: I-75 (to GA), I-95 (east coast), Florida's Turnpike, Port drayage (Miami/Jax/Tampa/Everglades).
Truck Types We Insure in Florida
Florida Truck Insurance FAQ
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