Minnesota Truck Insurance

Minnesota Trucking Rules That Affect Your Insurance

Federal rules cover trucks that cross state lines. These are Minnesota's own rules, read from the state's official pages.

Who regulates in-state trucking

MnDOT registers for-hire motor carriers of property operating in Minnesota, other than household goods carriers. dot.state.mn.us · checked 2026-10-21Motor carriers of property are motor carriers who have filed a registration statement with MnDOT and are engaged in the for-hire transportation of property in Minnesota, other than household goods.

USDOT number for in-state trucks

FMCSA lists Minnesota among the states that require a USDOT number for trucks that run only inside the state. fmcsa.dot.gov · checked 2026-10-21

Minimum liability for in-state hauling

Minnesota property carriers need Form E liability coverage of at least $100,000 per person, $300,000 per accident and $50,000 property damage. dot.state.mn.us · checked 2026-10-21

How proof of insurance is filed

The carrier's insurer must file Form E with MnDOT before the carrier provides transportation. dot.state.mn.us · checked 2026-10-21Before providing transportation, your insurance underwriter must file a Form E – “Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance” with our office.

Minnesota Truck Insurance FAQ