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Kansas trucking insurance
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Kansas Trucking Insurance

Class Insurance Agency, an affiliated office of AIC Insurance

Truck insurance for Kansas haulers

Kansas trucking runs on wheat, cattle and aircraft parts, and unlike many states, Kansas licenses its own intrastate carriers through the Kansas Corporation Commission. We quote Kansas 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.

KCC authority for Kansas carriers

  • For-hire general freight needs a KCC certificate of public service, issued to carriers found fit and knowledgeable that meet the safety and insurance requirements.[1]
  • Household goods movers and passenger carriers need a certificate of convenience and necessity.[2]
  • Private carriers hauling their own goods need a KCC license or permit[3], unless exempt. Exemptions include Kansas-based private carriers running non-hazmat trucks of 10,001 to 26,000 lb, farmers hauling their own livestock or products to market, and certain grain hauls of up to 50 miles.[4]
  • USDOT number. Kansas applies the federal registration rule to operations in Kansas, starting at 10,001 lb, and Kansas carriers may file the MCS-150 with the KCC.[5][6] The main exception is private trucks of 10,001 to 26,000 lb with Kansas plates.[7]

Insurance and Form E filing

The KCC minimum for for-hire freight, household goods, passenger and private property carriers is $100,000 per person and $300,000 per accident for bodily injury, plus $50,000 property damage. Fleets of more than 25 vehicles may qualify to self-insure.[8][9]

  • Form E, filed by the insurer. Your insurance company, not your agent, files the Form E electronically. ACORD certificates aren’t accepted.[9] Interstate carriers file BMC-91 or BMC-91X, and cancellations go on Form K.[10]
  • Federal limits. Kansas regulations also adopt the federal insurance rules, which could put some intrastate operations on the federal $750,000 schedule.[11][12] Confirm your limit with the KCC Transportation Division before you choose.

Brokers and shippers usually ask for $1,000,000 in auto liability anyway, so most Kansas carriers hauling for brokers end up well above the state minimum.

Weights, doubles and the Kansas Turnpike

  • Weights. 80,000 lb on the Interstate, and up to 85,500 lb on other roads with enough axle spacing. Natural gas trucks may run up to 82,000 lb.[13]
  • Doubles and triples. Doubles with trailers of 28.5 feet or less can run anywhere. Twin 53s run only on the Turnpike, and triples only on the Turnpike with an annual special permit.[14]
  • Cashless tolls. The Kansas Turnpike has been cashless since July 1, 2024, with tolls charged per mile by axle count and a large discount for K-TAG users.[15]

Permits, taxes and Kansas freight

IRP and IFTA go through the Kansas Department of Revenue[16], and oversize, overweight and trip permits through KDOT’s K-TRIPS system.[17] Kansas has no weight-distance tax.

Kansas leads the country in winter wheat and grain sorghum and ranks among the top states for cattle, with beef cattle ranching and feedlots its largest farm sector.[18] Wichita builds about a third of U.S. general aviation aircraft, supported by more than 450 aerospace suppliers.[19]

What to have ready for a Kansas quote

  • USDOT and MC numbers, and your KCC certificate or license number if you have one
  • Whether you haul for hire or your own goods
  • Where the trucks are garaged, your usual routes and your radius
  • What you haul: grain, cattle, aerospace parts or general freight
  • 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 KCC authority to haul freight for hire inside Kansas?

Yes, a certificate of public service. Household goods movers need a certificate of convenience and necessity.[1][2]

I only haul my own goods. Do I need KCC authority?

Yes, a license or permit, unless you are exempt. Exemptions include Kansas-based private carriers with non-hazmat trucks of 10,001 to 26,000 lb and many farm hauls.[3][4]

How much insurance does the KCC require, and how is it filed?

$100,000/$300,000 bodily injury and $50,000 property damage. Your insurer files the Form E electronically; ACORD certificates aren’t accepted.[8][9]

Do intrastate-only Kansas carriers need a USDOT number?

Generally yes, from 10,001 lb. The main exception is private trucks of 10,001 to 26,000 lb with Kansas plates.[5][7]

How do Kansas Turnpike tolls work?

The Turnpike has been cashless since July 1, 2024. Tolls are charged per mile by axle count, with a discount for K-TAG users.[15]

Get a Kansas 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 (9 a.m. to 7 p.m. Central).


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.