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Trucking Insurance in Maryland

Maryland applies rules consistent with 49 CFR Part 387 to for-hire intrastate property trucks over 26,000 pounds GVWR, interstate property trucks over 10,000 pounds, and trucks transporting placarded hazardous materials. Ask the broker to classify each vehicle and trip against those thresholds before choosing limits or submitting proof. 1,3

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.

What to Watch for in Maryland

  • Check Maryland’s 26,000-Pound Intrastate Trigger

    Maryland’s statute applies Part 387 rules to for-hire vehicles carrying property in intrastate commerce when GVWR exceeds 26,000 pounds. A truck that stays below that state threshold may still be subject to other Maryland auto-insurance requirements, so verify the GVWR and haul-for-hire status of every unit. 1,2

  • Use The Lower Interstate Weight Trigger

    For interstate property trucks, Maryland’s statute sets the trigger above 10,000 pounds GVWR; it also includes vehicles designed to transport passengers and vehicles subject to Part 387 when carrying hazardous materials. Confirm that cross-state trips and hazardous loads are rated and filed under the federal category that applies. 1,3

  • Keep Maryland’s Registered-Vehicle Minimums In View

    Maryland requires every registered vehicle to carry at least $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage, according to MVA. These are the state auto floor, while designated commercial trucks must meet Part 387 limits; ask your broker to document which threshold governs each unit. 2,1

Who Regulates Insurance in Maryland

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. 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 premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies. 7,8

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 Maryland

  1. Which of our trips are intrastate for-hire, interstate, or hazardous-material operations under Maryland § 25-111.1?
  2. Which Maryland trucks exceed 26,000 pounds GVWR intrastate or 10,000 pounds interstate?
  3. Does our policy meet the applicable Part 387 limit and filing for each vehicle and cargo class?
  4. Are our remaining registered vehicles insured to Maryland’s $30,000/$60,000/$15,000 state minimum?

Trucking in Maryland: FAQ

When does Maryland apply federal trucking insurance limits to intrastate trucks? 1

For-hire property trucks in intrastate commerce are covered by Maryland’s Part 387 rules when they exceed 26,000 pounds GVWR. Maryland also applies the rules to interstate property trucks above 10,000 pounds and certain hazardous-material vehicles. 1

What is Maryland’s minimum auto liability insurance for a registered truck? 2,1

Maryland’s MVA lists $30,000 per person and $60,000 per accident for bodily injury, plus $15,000 for property damage. Trucks subject to Part 387 need the applicable higher federal limit. 2,1

Trucking in Other States

Other Coverage in Maryland

Sources

  1. Maryland Transportation Article § 25-111.1: Commercial Motor Vehicle Safety Regulations. Maryland General Assembly; § 25-111.1(b)–(c): covered intrastate and interstate vehicles and continuing compliance. Accessed 2026-09-29.
  2. Auto Insurance Requirements in Maryland. Maryland Motor Vehicle Administration; Minimum coverage required for registered vehicles. Accessed 2026-09-29.
  3. Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Motor Carrier of Property chart: nonhazardous cargo and hazmat limits. Accessed 2026-09-29.
  4. Maryland Insurance Administration. Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
  5. Insurance License Lookup. Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
  7. Md. Code, Insurance §3-324. Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
  8. Maryland Insurance Article (2026). Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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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