Kentucky Truck Insurance
Before a Kentucky authority hauling Midwest-to-Southeast freight can go active, its liability insurance has to be on file with FMCSA. Kentucky is a critical north-south freight corridor connecting the Midwest to the Southeast. Trucking companies in Kentucky need coverage that handles both interstate long-haul and regional distribution operations.
Full Coverage LLC is licensed in Kentucky. In business since 2020 Β· BBB A+ (accredited since December 2023) Β· Agency NPN 19601127.
Kentucky 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 Kentucky
Kentucky Trucking Rules That Affect Your Insurance
Federal rules cover trucks that cross state lines. These are Kentucky's own rules, read from the state's official pages.
- Who regulates in-state trucking
- Kentucky Transportation Cabinet Motor Carriers receives Form E proof-of-insurance filings from insurers of intrastate for-hire carriers. drive.ky.gov Β· checked 2026-10-21
All Intrastate For-Hire Carriers must have their insurance company file a Form E (Proof of Insurance) with KYTC Motor Carriers.
- USDOT number for in-state trucks
- Kentucky requires a USDOT number for commercial vehicles of 10,001 pounds or more used in commerce. drive.ky.gov Β· checked 2026-10-21
Required if you are operating vehicles with a gross vehicle weight rating or actual gross weight of 10,001 lbs. or above and used in commerce.
- How proof of insurance is filed
- The insurer, not the carrier, files a Form E proof of insurance with KYTC Motor Carriers. drive.ky.gov Β· checked 2026-10-21
All Intrastate For-Hire Carriers must have their insurance company file a Form E (Proof of Insurance) with KYTC Motor Carriers.
- State trucking tax
- Kentucky's KYU tax applies to vehicles over 59,999 pounds, per the Kentucky Transportation Cabinet's commercial vehicle credentials page. drive.ky.gov Β· checked 2026-10-21
Under KRS 138.660(3) , any carrier over 59,999 pounds traveling in Kentucky is subject to this tax.
Truck Types We Insure in Kentucky
Kentucky Truck Insurance FAQ
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