{"id":2687,"date":"2026-10-25T04:36:56","date_gmt":"2026-10-25T04:36:56","guid":{"rendered":"https:\/\/www.tmaddenlaw.com\/guides\/truck-accident-lawyer-georgia\/how-much-insurance-does-semi-truck-have-to-carry-georgia\/"},"modified":"2026-11-03T12:34:40","modified_gmt":"2026-11-03T12:34:40","slug":"how-much-insurance-does-semi-truck-have-to-carry-georgia","status":"publish","type":"page","link":"https:\/\/www.tmaddenlaw.com\/guides\/truck-accident-lawyer-georgia\/how-much-insurance-does-semi-truck-have-to-carry-georgia\/","title":{"rendered":"Semi Truck Insurance Minimum in Georgia: $750,000 Federal"},"content":{"rendered":"\n
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Truck Accidents | Georgia<\/p>

Semi Truck Insurance Minimum in Georgia: $750,000 Federal<\/h1>

Most for-hire trucks hauling freight across state lines must carry at least $750,000 in public liability coverage. Here is what that number covers, and what it does not.<\/p>

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By Terance Madden \u00b7 Published October 25, 2026<\/p>\n\n

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If you’re asking how much insurance does a semi truck have to carry Georgia, the short answer is $750,000 for most for-hire trucks. That figure applies to non-hazardous freight hauled across state lines. This page explains the federal and Georgia rules in plain words. It also explains why these numbers matter if you were hurt in a truck crash or are helping someone who was.<\/p>\n

The Short Answer: Most Semi Trucks Must Carry $750,000 in Liability Coverage<\/h2>\n

Most for-hire semi trucks hauling non-hazardous freight in interstate commerce must carry at least $750,000 in public liability insurance. The federal table in 49 CFR \u00a7 387.9<\/a> sets that minimum for trucks rated at 10,001 pounds or more.<\/p>\n

Federal regulations set minimum levels of financial responsibility for motor carriers, as referred to in 49 CFR \u00a7 387.7<\/a>. Those levels are set out in a schedule of limits for public liability.<\/p>\n

Public liability means money owed to other people. It covers injury and property damage the truck causes to others on the road.<\/p>\n

Think of $750,000 as a floor, not a measure of any crash’s worth. It is the lowest amount the federal rules allow for this kind of haul. The limit is the insurance available to pay covered claims, and a claim’s value is decided by its own facts. Whether this minimum applies to a particular truck turns on the facts, including its cargo and whether it crosses state lines.<\/p>\n\n

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Federal Minimum Amounts by Cargo Type<\/h2>\n

The cargo a truck hauls decides which federal minimum applies. Under 49 CFR \u00a7 387.9<\/a>, the minimum levels of financial responsibility referred to in \u00a7 387.7<\/a> are prescribed in a schedule of limits for public liability that sets amounts by type of carriage and commodity transported.<\/p>\n