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Maine trucking insurance: check the 2026 intrastate vehicle class

Maine now lists a $750,000 combined single limit for intrastate commercial motor vehicles, effective for policies issued, continued or renewed from January 1, 2026. The statutory definition includes 26,001-pound weight thresholds, buses and certain placarded hazardous-material vehicles. Section 1611 still separately describes $350,000 for freight/merchandise in intrastate-exempt or federally exempt service, so a carrier whose operation might fit either description should confirm the applicable paragraph with BMV before relying on a limit. 1,2,3

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.

Maine Requirements

RequirementDetails
2026 intrastate commercial-motor-vehicle limitMaine Title 29-A §1611(2)(G) sets a $750,000 combined single limit for intrastate commercial motor vehicles. P.L. 2025, ch. 107 applies to policies issued, delivered, continued or renewed on or after January 1, 2026. 1,3
Check statutory vehicle definitionA Maine commercial motor vehicle includes a vehicle/combination with GCWR of at least 26,001 pounds when the towed unit is over 10,000 pounds, a bus, any size vehicle transporting placarded hazardous material or listed select agents, or a vehicle with GVWR/GVW at least 26,001 pounds. 2
Exempt-service freight has a separate listed amountSection 1611(2)(A) lists $350,000 CSL for for-hire vehicles carrying freight/merchandise but not passengers in intrastate-exempt or federally exempt service, except as provided in paragraph E. The overlap with new paragraph G is a classification question; confirm with Maine BMV for your route, vehicle and policy effective date. 1,3

What to Watch for in Maine

  • Renewal date can move the new standard into a policy

    The 2025 Act applies to policies executed, delivered, issued for delivery, continued or renewed on or after January 1, 2026, and treats all policies as renewed no later than the next yearly anniversary. Match the quote and filing to the policy term, not just when the truck was purchased. 3

  • Do not choose between $750,000 and $350,000 by shorthand

    Maine’s statute includes both a new intrastate-CMV provision and a separate freight/merchandise provision for exempt service. Vehicle weight/hazmat status and the route/service exemption matter. Ask BMV to identify the applicable subsection if categories appear to overlap. 1,2

  • These limits address vehicle liability, not shipment value

    Maine §1611(5) describes the required policy or bond as liability for damages for which the vehicle owner may be liable because of vehicle operation. It does not establish cargo-in-transit insurance or physical damage to the carrier’s truck. Quote those exposures separately. 1

Who Regulates Insurance in Maine

Maine Bureau of Insurance

The Maine Bureau of Insurance licenses producers and companies, enforces Maine insurance laws, and investigates property and casualty complaints including commercial coverage complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross direct premium when Maine is the insured's home state Maine charges 3% of gross direct premium when it is the insured's home state; your broker handles the tax and may include it with the premium. Surplus-lines policies are outside Maine guaranty-association protection. Maine generally requires a diligent search, with an exempt-commercial-purchaser exception requiring broker disclosure and the purchaser's 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 Maine

  1. Does the unit meet Maine’s CMV definition by GVWR, GCWR, bus status or placarded freight, and is the movement intrastate?
  2. Does §1611(2)(G) or the exempt-service provision in (2)(A) govern this exact vehicle and route, and when does the current policy renew?
  3. What separate cargo and own-truck protection is quoted beyond the required public-liability policy?

Trucking in Maine: FAQ

Is $750,000 the Maine limit for every for-hire freight truck? 1,2

Not necessarily. It is listed for intrastate commercial motor vehicles. The statute separately lists $350,000 for freight/merchandise in intrastate-exempt or federal-DOT-exempt service, and vehicle/route classification can matter. Confirm with Maine BMV. 1,2

Does Maine’s required liability policy cover my load? 1

The statute describes liability for damages arising from operation of a motor vehicle. It does not establish cargo benefits or physical-damage protection for the carrier’s own truck. Review separate policy forms and limits. 1

Trucking in Other States

Other Coverage in Maine

Sources

  1. Maine Revised Statutes, Title 29-A §1611, Insurance, bond or self-insurance required. Maine Legislature; §1611(2)(A),(G), (3), (5); current codification including 2025 P.L. ch. 107, opened 2026-09-28. Accessed 2026-09-28.
  2. Maine Revised Statutes, Title 29-A §101(17), Commercial motor vehicle definition. Maine Legislature; §101(17)(A)-(D), current definition and weight/hazmat thresholds, opened 2026-09-28. Accessed 2026-09-28.
  3. Public Law 2025, chapter 107, An Act to Align Intrastate Commercial Motor Vehicle Insurance Requirements with Federal Standards. Maine Legislature; §§1-2; signed May 23, 2025; applies to policies issued, continued or renewed on/after Jan. 1, 2026; official session law opened 2026-09-28. Accessed 2026-09-28.
  4. Maine Bureau of Insurance. Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28.
  5. Insurance License Lookup. Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Maine Bureau of Insurance; State complaint process and contact. Accessed 2026-09-28.
  7. 36 M.R.S. §2531. Maine Legislature; 36 M.R.S. §2531(1)-(2), current page: home-state basis; 3% tax; producer pays on chapter 19 surplus lines. Accessed 2026-09-28.
  8. 24-A M.R.S. §4433. Maine Legislature; Surplus-lines contracts excluded from guaranty association. Accessed 2026-09-28.
  9. 24-A M.R.S. §2002-A. Maine Legislature; ECP disclosure and written-request procedure. 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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