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Full CoverageTruck Insurance

Owner-Operator Truck Insurance by State (2026)

Reviewed by Nazar Mamaev, Trucking Insurance Specialist Β· Updated 2026-04-29

Owner-operator truck insurance is regulated state by state β€” but the federal FMCSA filings (BMC-91/91X liability + MCS-90 endorsement) apply to every for-hire interstate operator regardless of which state you garage in. Full Coverage LLC is an independent broker licensed in 47 states. Pick your state below for state-specific cost ranges, DOT requirements, and the carriers we shop for owner-operators in your jurisdiction.

Coverage typically includes: non-trucking liability (NTL/bobtail) for leased operators, physical damage on the truck and trailer, motor truck cargo, occupational accident, and the FMCSA filings. Premium range: $3,500–$6,500/yr for leased owner-operators (NTL + phys dam), $10,500–$14,000/yr for own-authority new ventures (full coverage + filings).

Pick Your State

Owner-Operator Insurance in Alabama β†’Owner-Operator Insurance in Arizona β†’Owner-Operator Insurance in Arkansas β†’Owner-Operator Insurance in California β†’Owner-Operator Insurance in Colorado β†’Owner-Operator Insurance in Connecticut β†’Owner-Operator Insurance in Delaware β†’Owner-Operator Insurance in Florida β†’Owner-Operator Insurance in Georgia β†’Owner-Operator Insurance in Idaho β†’Owner-Operator Insurance in Illinois β†’Owner-Operator Insurance in Indiana β†’Owner-Operator Insurance in Iowa β†’Owner-Operator Insurance in Kansas β†’Owner-Operator Insurance in Kentucky β†’Owner-Operator Insurance in Louisiana β†’Owner-Operator Insurance in Maine β†’Owner-Operator Insurance in Maryland β†’Owner-Operator Insurance in Massachusetts β†’Owner-Operator Insurance in Michigan β†’Owner-Operator Insurance in Minnesota β†’Owner-Operator Insurance in Mississippi β†’Owner-Operator Insurance in Missouri β†’Owner-Operator Insurance in Montana β†’Owner-Operator Insurance in Nebraska β†’Owner-Operator Insurance in Nevada β†’Owner-Operator Insurance in New Hampshire β†’Owner-Operator Insurance in New Jersey β†’Owner-Operator Insurance in New Mexico β†’Owner-Operator Insurance in North Carolina β†’Owner-Operator Insurance in North Dakota β†’Owner-Operator Insurance in Ohio β†’Owner-Operator Insurance in Oklahoma β†’Owner-Operator Insurance in Oregon β†’Owner-Operator Insurance in Pennsylvania β†’Owner-Operator Insurance in Rhode Island β†’Owner-Operator Insurance in South Carolina β†’Owner-Operator Insurance in South Dakota β†’Owner-Operator Insurance in Tennessee β†’Owner-Operator Insurance in Texas β†’Owner-Operator Insurance in Utah β†’Owner-Operator Insurance in Vermont β†’Owner-Operator Insurance in Washington β†’Owner-Operator Insurance in West Virginia β†’Owner-Operator Insurance in Wisconsin β†’Owner-Operator Insurance in Wyoming β†’

States We Don't Currently Serve

Full Coverage LLC is not currently licensed in New York, Virginia, Hawaii, or Alaska. If you're garaged in any of those states, we can't write your primary policy β€” but if you operate as a leased owner-operator under a motor carrier domiciled elsewhere, we may still be able to quote your non-trucking liability + physical damage. Call to confirm.

Common Questions

Does owner-operator insurance vary by state?

Yes. State minimum liability requirements apply on top of the federal $750K (intrastate within most states) or $1M (interstate for general freight). Premium also varies by garaging state due to no-fault rules, claim severity averages, and weather/loss history. Florida and California are typically the most expensive states; Mississippi and the Plains states are typically the cheapest.

Do I need state-specific filings on top of FMCSA?

Most states require Form E or Form H filings for intrastate operations. Texas requires TxDMV filings. We coordinate state filings as part of binding for any carrier that needs them.

Can I compare quotes across states?

If you operate in multiple states, your garaging state (where the truck sleeps overnight) determines your insurance state. Carriers don't multi-state-rate a single truck β€” they rate based on the home garage. If you change garages between states, that's a re-rating event.

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