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Trucking Insurance in Connecticut

Connecticut requires a motor carrier to report insurance to DMV annually when a vehicle used only in Connecticut has a gross or combination weight rating of at least 18,001 pounds; lower-threshold and other vehicles use a DMV affidavit for registration transactions. Interstate reporting begins at 10,001 pounds, so an in-state fleet should use its actual operating scope rather than copy an interstate filing checklist. 1

What Is Trucking?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

Connecticut Requirements

RequirementDetails
Annual DMV insurance reportIntrastate vehicles at 18,001 lb or more; 10,001 lb for interstate vehicles; also placarded hazmat and passenger-capacity triggers 1
Other commercial-vehicle registrationIf none of the annual-report criteria apply, submit DMV's insurance affidavit for new registration or renewal 1

What to Watch for in Connecticut

  • Use The Connecticut-Only Weight Threshold

    DMV's annual-report trigger for intrastate commerce is 18,001 pounds, while the interstate trigger is 10,001 pounds. Check gross vehicle, truck/trailer, and combination ratings across your routes; a local fleet may use the different state threshold even when its vehicle resembles an interstate truck. 1

  • File The Report Or The Registration Affidavit

    If any listed annual-report trigger applies, Connecticut DMV asks the carrier to report insurance coverage once each year. If none applies, the agency instead requires its affidavit for new-registration or renewal transactions; ask which vehicle records the insurer will report. 1

  • Check Nonweight Reporting Triggers

    DMV also requires annual reporting for vehicles designed for more than 15 passengers and for loads requiring hazardous-material placarding, regardless of the intrastate 18,001-pound threshold. Tell the agent about seat capacity and the exact placard status before deciding an affidavit is sufficient. 1

  • Keep Household-Mover Authority Separate

    CTDOT's Regulatory and Compliance Unit publishes a separate new Household Goods Carrier Certificate application. If you move household goods for compensation within Connecticut, confirm the required carrier certificate and its insurance filing with CTDOT as well as the DMV vehicle report. 2,3

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 7,8,9

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Connecticut

  1. Do our Connecticut-only trucks meet the 18,001-pound intrastate annual-report threshold, or does another trigger apply?
  2. Who will report coverage annually to DMV, and which units fall under an affidavit at registration or renewal?
  3. Does any load require placarding, or does any vehicle seat more than 15, which would trigger annual reporting regardless of truck weight?
  4. Do our household-goods routes require a CTDOT certificate and a separate insurance filing beyond the DMV report?

Trucking in Connecticut: FAQ

When must a Connecticut intrastate carrier report truck insurance to DMV? 1

Annually when a vehicle used only within Connecticut meets the 18,001-pound gross or combination weight threshold, is designed for more than 15 passengers, or carries placarded hazardous material. Interstate vehicles have a separate 10,001-pound trigger. 1

What if my Connecticut commercial truck is below the annual insurance-report threshold? 1

If none of DMV's listed weight, passenger, or hazmat criteria apply, the agency requires an insurance affidavit for a new registration or renewal transaction. 1

Trucking in Other States

Other Coverage in Connecticut

Sources

  1. CT Commercial Vehicle Insurance and Reporting. Connecticut Department of Motor Vehicles; Report Commercial Vehicle Insurance Coverage; intrastate/interstate thresholds and affidavit rule; current DMV page. Accessed 2026-09-28.
  2. Regulatory and Compliance Unit. Connecticut Department of Transportation; Household Goods Carrier Applications; current new-certificate application list. Accessed 2026-09-28.
  3. CTDOT Permits. Connecticut Department of Transportation; Intrastate permit for household goods carrier. Accessed 2026-09-28.
  4. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  5. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  6. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  7. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  8. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  9. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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