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Indiana trucking insurance
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Indiana Trucking Insurance

Class Insurance Agency, an affiliated office of AIC Insurance

Truck insurance for Indiana haulers

Trucks carry 80% of Indiana’s freight by weight and 95% by value. Indiana has its own intrastate filings, a toll road where long combinations can run, and a strict new law on driver English proficiency. We quote Indiana 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.

Intrastate authority and insurance

  • Property carriers. For-hire carriers hauling property inside Indiana file with the Department of Revenue and can’t operate until they receive its acknowledgment. The acknowledgment expires December 31, and renewals are filed between September 30 and November 30.[1] The form is IOA-1.[2]
  • Household goods and passenger carriers need a Certificate of Public Convenience and Necessity, with a $100 application fee and a tariff.[3]
  • Form E. For-hire intrastate carriers must file a Form E, from an insurer registered with the Indiana Department of Insurance.[4]
Carrier Minimum
Non-hazmat freight, 10,000 lb GVWR or less $300,000
Other non-hazmat freight $750,000
Hazmat $1,000,000 or $5,000,000

Limits as listed on Form IOA-1.[2]

USDOT numbers, safety rules and drivers

  • USDOT number. Required for intrastate trucks of 10,001 lb or more or hauling placardable hazmat, shown with an “IN” suffix. There’s no fee.[5]
  • Safety rules. Indiana applies the federal safety and insurance rules to intrastate carriers, and drivers aged 18 to 20 may drive in state. Private intrastate non-hazmat vehicles of 26,000 lb or less are exempt.[1]
  • English proficiency law. A 2026 law makes driving a commercial vehicle without English proficiency, or on a fake or improper foreign CDL, a Level 6 felony. Civil penalties are $5,000 for the driver and $50,000 for the business that hired them.[6] Check every driver before dispatch.
  • Contracts. Motor carrier contract clauses that make you cover the other party’s own negligence are void in Indiana.[1]

Fuel tax and registration

  • Motor carrier fuel tax on diesel is 63 cents a gallon from July 1, 2026 to June 30, 2027, up from 61 cents. The old motor carrier surcharge tax was repealed in 2018.[7]
  • One office. DOR Motor Carrier Services handles intrastate authority, IFTA, IRP and oversize/overweight permits (317-615-7200).[8] From July 1, 2026, IRP fleet renewal payments are due by the last day of the registration period.[9]

Toll Road, long combinations and RiverLink

  • Indiana Toll Road. A full trip for a 5-axle truck costs about $91, cash or E-ZPass, from July 1, 2026.[10]
  • Long combinations. Doubles, triples and Michigan trains up to 127,400 lb[11] are allowed only on the Toll Road.[12]
  • RiverLink bridges (Louisville). 5-axle trucks pay $13.84 with a transponder, $15.21 with a prepaid account but no transponder, or $16.62 by plate, from July 1, 2026.[13]

Weights, permits, speed and lanes

  • Weights. 80,000 lb gross, 20,000 lb single axle and 34,000 lb tandem. Farm commodities headed to the first weigh point can run up to 10% over gross, and logs and wood products up to 10% over gross or axle limits, but not on Interstates. Battery-electric trucks get 2,000 lb more from July 1, 2026.[14]
  • Northwest Indiana has designated extra heavy duty highways where much heavier loads can run on permit. Check INDOT for current rules.[15]
  • Permits and thaw limits. Single-trip permits are valid 5 days from July 1, 2026, and local roads can be restricted for up to 90 days a year for weather or thaw.[5]
  • Speed. Trucks over 26,000 lb are limited to 65 mph on rural Interstates and the Toll Road, versus 70 for lighter vehicles, and I-465 is 65 for everyone.[16]
  • Lanes and spacing. Trucks must use the right two lanes on Interstates with 3 or more lanes, and keep 300 feet behind another truck.[16]

Indiana claims rules

For claims arising after June 30, 2024, not wearing a seatbelt can be used as evidence to reduce damages in a civil suit.[17] Combined with the anti-indemnity rule above, that gives carriers a bit more protection in Indiana than in some neighboring states.

Indiana freight

590 million tons of freight worth $680 billion moved in Indiana in 2022, and INDOT forecasts 760 million tons worth $1.09 trillion by 2045. The main bottlenecks are on I-465, I-65, I-70, I-80/90 and I-94.[18] The Ports of Indiana shipped 13 million tons in 2024, led by Mount Vernon, Jeffersonville and Burns Harbor[19], and Indianapolis International Airport is home to FedEx Express’s second-largest operation.[20]

What to have ready for an Indiana quote

  • USDOT and MC numbers, and your Indiana intrastate acknowledgment if you have one
  • Where the trucks are garaged, your usual routes and your radius
  • What you haul: steel, RVs, auto parts, grain, logs, air freight or general freight
  • Whether you run long combinations on the Toll Road
  • 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

I only haul inside Indiana. What authority and insurance filing do I need?

A Department of Revenue acknowledgment on Form IOA-1 and a Form E filing: $750,000 for most non-hazmat freight, or $300,000 for vehicles of 10,000 lb or less.[1][2][4]

Do intrastate trucks in Indiana need a USDOT number?

Yes, at 10,001 lb or more or with placardable hazmat, with an “IN” suffix. It’s free.[5]

Is there still an Indiana fuel surcharge on my IFTA return?

No. The motor carrier surcharge tax was repealed in 2018. The diesel rate is 63 cents a gallon through June 30, 2027.[7]

What does a 5-axle truck pay on the Indiana Toll Road?

About $91 for a full trip, cash or E-ZPass, from July 1, 2026.[10]

What is the truck speed limit on Indiana Interstates?

65 mph for trucks over 26,000 lb on rural Interstates and the Toll Road, and trucks must use the right two lanes where there are 3 or more.[16]

Get an Indiana 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 (10 a.m. to 8 p.m. Eastern).


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.