Louisiana · Commercial auto & trucking
Trucks and business vehicles based in Louisiana follow federal FMCSA rules when they cross state lines and Louisiana rules when they stay in-state. Here is what applies and what to have ready for a quote.
If you haul for hire across state lines, FMCSA requires at least $750,000 of liability for general freight in vehicles of 10,001 lbs or more, $1 million for oil and $5 million for most hazardous materials. Passenger carriers need $1.5 million (15 or fewer seats) or $5 million (16 or more). Your insurer files proof with FMCSA (BMC-91 or BMC-91X) and attaches the MCS-90 endorsement where required.
Louisiana is not on FMCSA’s list of states that require a USDOT number for intrastate-only carriers. Check with the state agency that registers your trucks for any state permits or limits.
Contracts with shippers and brokers often require $1 million liability and $100,000 cargo regardless of the legal minimum.
Primary auto liability, motor truck cargo, physical damage (comprehensive and collision) for owned units, non-trucking liability for leased owner-operators, and hired and non-owned auto for businesses whose employees drive their own cars for work.
InsurixPro is an independent agency based in Atlanta, Georgia. Send a request with your USDOT number, vehicles and drivers. Whether we can quote a policy in Louisiana depends on licensing and carrier availability there, and we tell you that after reviewing your request.
Last updated 2026-10-27. Written by the InsurixPro Editorial Team. Laws change; confirm current requirements with the official regulator before you buy. This page is general information, not legal advice.
Helpful answers before you begin
Yes if you operate interstate commercial vehicles that require one. For intrastate-only operations, Louisiana is not on FMCSA’s list, but state registration rules still apply.
Interstate for-hire carriers of general freight need at least $750,000 under federal rules. Vehicles not subject to FMCSA must still meet the Louisiana auto minimum of 15/30/25.
No. A request starts a review. Coverage is bound only after a carrier approves the application and payment is made.
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