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Trucking Insurance in North Dakota

North Dakota’s Insurance Department says for-hire trucking may be subject to federal financial-responsibility limits from $750,000 to $5 million depending on cargo, while vehicles over 20,000 pounds are excluded from the state UM/UIM definition. Confirm whether each route and commodity triggers federal filings, then decide whether to add UM/UIM protection for the heavy units the state excludes. 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.

What to Watch for in North Dakota

  • Match Federal Limits To Every Commodity

    North Dakota’s Insurance Department says for-hire trucks may fall under federal financial-responsibility rules, with limits ranging from $750,000 to $5 million depending on cargo; 49 CFR Part 387 sets the applicable federal categories. Give your broker the actual commodities and shipment details so a change into hazardous or other regulated freight does not leave your filing below the required amount. 1,3

  • Review UM And UIM For Heavy Trucks

    North Dakota’s UM/UIM statute defines a covered motor vehicle to exclude vehicles weighing more than 20,000 pounds. Ask whether your policy provides UM/UIM protection for those trucks and their occupants, since the state’s statutory definition does not include them. 2

  • Keep Private-Passenger Minimums In Their Lane

    The Insurance Department lists $25,000/$50,000 bodily-injury liability, $25,000 property damage, and $30,000 basic no-fault benefits for private-passenger vehicles. That page separately says commercial for-hire trucks may be governed by federal limits; have the broker identify the governing requirement for each truck instead of applying the passenger-car figures to a trucking filing. 1,3

Who Regulates Insurance in North Dakota

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds. 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 North Dakota

  1. Which of our North Dakota routes and cargoes trigger 49 CFR Part 387, and what limit and federal filing applies to each?
  2. Does our UM/UIM coverage apply to trucks weighing more than 20,000 pounds and to employees riding in them?
  3. Are the $25,000/$50,000/$25,000 and $30,000 passenger-car figures relevant to any vehicles in this fleet, or are our trucks subject to another limit?

Trucking in North Dakota: FAQ

What insurance limits apply to for-hire trucking in North Dakota? 1,3

It depends on the cargo and operation. North Dakota’s Insurance Department says federal requirements may apply and range from $750,000 to $5 million; confirm the applicable 49 CFR Part 387 category for each operation. 1,3

Do North Dakota trucks over 20,000 pounds have to carry UM/UIM coverage? 2

No. North Dakota’s statutory UM/UIM definition excludes vehicles weighing more than 20,000 pounds, so ask whether your policy separately covers those trucks and occupants. 2

Trucking in Other States

Other Coverage in North Dakota

Sources

  1. Business Insurance. North Dakota Insurance Department; “Are there specific amounts of liability insurance I must have on my business vehicle?”; passenger vehicle limits and for-hire federal coverage note. Accessed 2026-09-29.
  2. North Dakota Century Code, Chapter 26.1-40: Automobile Insurance and Warranties. North Dakota Legislative Branch; § 26.1-40-15.1(1), definition of motor vehicle for UM/UIM provisions. Accessed 2026-09-29.
  3. 49 CFR Part 387: Minimum Levels of Financial Responsibility for Motor Carriers. Electronic Code of Federal Regulations; §§ 387.7 and 387.9, obligation and minimum levels of financial responsibility. Accessed 2026-09-29.
  4. North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
  5. Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
  6. Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
  7. Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
  8. N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
  9. Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. 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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