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Idaho trucking insurance
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Idaho Trucking Insurance

Class Insurance Agency, an affiliated office of AIC Insurance

Truck insurance for Idaho haulers

Idaho trucking means 129,000-lb routes, mileage-based registration fees, chain-up passes on I-90 and US-12, and potatoes, dairy, logs and aggregate. Since July 1, 2026, trucks also get the same speed limits as cars. We quote Idaho owner-operators, new authorities and fleets by phone, email and online from our office in Vancouver, Washington, in English, Russian, Ukrainian or Romanian.

Call 360-450-2211 or start a quote online.

Registration and insurance for in-state hauling

  • No PUC authority. Idaho ended Public Utilities Commission regulation of truckers in 1999.[1] Intrastate for-hire trucks register with ITD Commercial Vehicle Services as “haul-for-hire,” with proof of insurance.[2]
  • USDOT number. Idaho requires USDOT numbers for intrastate carriers[3], including trucks of 26,001 lb or more, combinations and placarded hazmat. Carriers hauling only agricultural commodities are exempt.[4]
  • Limits. Intrastate common and contract carriers need $750,000 for general freight, $1,000,000 for oil and most hazmat, and $5,000,000 for the highest-risk hazmat.[5]
  • Filings. Haul-for-hire registrations need a Form E, and IRP haul-for-hire registrations a BMC-91X.[6] Insurers must give ITD 30 days’ notice before a termination.[7]
  • Exempt hauls. Carriers of farm products, forest products, mine products including sand and gravel, household goods, and tow trucks are exempt from those limits[7], but still need at least $25,000/$50,000/$15,000.[8] Brokers usually ask for $1,000,000 regardless.

129,000-lb routes and longer combinations

  • Without a permit, the limit is 105,500 lb on state highways and 80,000 lb on Interstates.[9]
  • With a permit, ITD allows 105,501 to 129,000 lb on designated routes[10], and the annual extra length/weight permit for divisible loads is $45.[11]
  • Longer combinations of up to 4 units and 115 feet can run on designated routes by permit.[12]
  • Natural resource loads. Logs, rough lumber, ores, sand and gravel and agricultural commodities get a higher axle-group table on Interstates.[9]
  • Spring breakup. ITD can cut axle limits to 16,000, 14,000 or 12,000 lb and hold trucks to 30 mph in marked critical areas.[11][13]

Registration fees, fuel tax and IRP

  • Mileage-based registration. Trucks over 60,000 lb pay by declared weight and annual miles: at 78,001–80,000 lb, from $480 for up to 7,500 miles to $3,360 over 50,000 miles. Owners can pay in installments.[14]
  • Diesel tax is 32 cents a gallon, plus a 1-cent transfer fee.[15]
  • Offices. The State Tax Commission runs IFTA[16], and ITD Commercial Vehicle Services handles IRP and intrastate registration (208-872-3163).[17]

Speed, chains and drivers

  • Same speed as cars. From July 1, 2026, trucks with 5 or more axles over 26,000 lb have the same speed limits as other vehicles[18], up to 75 mph on Interstates and 80 where ITD has studied the road.[19]
  • Chain law. ITD can require chains on commercial vehicles on Lookout Pass and Fourth of July Pass on I-90 and on Lolo Pass on US-12: at least one tire on each side of a drive axle plus one axle near the rear of each trailer. Farm, forest and mine product haulers are exempt.[20]
  • Drivers. Idaho applies the federal safety rules to intrastate carriers, but intrastate drivers may be 18[21], with a K (intrastate only) restriction until 21.[22]
  • Non-domiciled CDLs. Idaho ended its non-domiciled CDL program on July 1, 2026.[23]

A 2026 change for crash lawsuits

From July 1, 2026, a plaintiff can sue in the county where the claim arose or where any defendant lives, and in any county if no defendant lives in Idaho.[24] Out-of-state carriers can therefore be sued in any Idaho county.

Idaho freight

Trucks carried 57% of the 198 million tons of freight that originated in Idaho in 2017, and I-84 between Caldwell and Boise is the state’s top truck bottleneck, with more than 8,000 trucks a day. From 2016 to 2020, Idaho had 11,862 crashes involving commercial vehicles.[25] Idaho grew about a third of U.S. potatoes in 2025[26] and ranked third in milk production.[27]

What to have ready for an Idaho quote

  • USDOT and MC numbers, and your ITD registration if you have one
  • Where the trucks are garaged, your usual routes and your radius
  • What you haul: potatoes, milk, logs, sand and gravel, livestock or general freight
  • Whether you run 129,000-lb or longer combinations
  • Driver names, license numbers and years of experience
  • Year, make, VIN and value of each truck and trailer
  • Current policy and loss runs, if you have been insured before

Frequently asked questions

Do I need authority to haul for hire inside Idaho?

Not from the PUC, which stopped regulating truckers in 1999. You register with ITD as haul-for-hire and file a Form E.[1][2][6]

What liability limit do Idaho intrastate carriers need?

$750,000 for general freight, $1,000,000 for oil and most hazmat, and $5,000,000 for the highest-risk hazmat. Farm, forest and mine haulers are exempt from these tiers.[5][7]

Can I run 129,000 lb in Idaho?

Yes, on designated routes with a permit; the annual divisible-load permit is $45.[10][11]

What is the truck speed limit in Idaho?

Since July 1, 2026, the same as for cars: up to 75 mph on Interstates, or 80 where posted.[18][19]

When are chains required for trucks in Idaho?

When ITD posts them on Lookout Pass, Fourth of July Pass or Lolo Pass. Farm, forest and mine product haulers are exempt.[20]

Get an Idaho truck insurance quote

Call 360-450-2211 or start your quote. We’re open Monday to Friday, 7 a.m. to 5 p.m. Pacific (8 a.m. to 6 p.m. Mountain).


Related coverage and nearby states

Sources

General information only, checked September 2026. Rules change; confirm with the agency that issues your permits. Coverage availability, terms and filings depend on underwriting and the policy issued; a quote request does not bind insurance.