Commercial vehicle insurance

Learn more about commercial vehicle insurance and who needs to report it

Commercial vehicle insurance

Learn more about commercial vehicle insurance and who needs to report it

Report commercial vehicle insurance coverage

If you are a motor carrier and conduct commercial business with motor vehicles that meet any of the following criteria, you are required to report insurance coverage to DMV once a year:

  • A vehicle that operates in intrastate commerce (within Connecticut only) with a gross weight or gross vehicle weight rating (GVWR) or gross truck/trailer weight or gross combination weight rating of 18,001 pounds or more.
  • A vehicle that operates in interstate commerce with a gross vehicle weight, or GVWR or gross truck/trailer combination weight of 10,001 pounds or more.
  • A vehicle designed to transport more than 15 passengers, including the driver.
  • A vehicle used in the transportation of hazardous materials in a quantity requiring HAZMAT “placarding” under the Hazardous Materials Transportation Act.
  • If the first four choices do not apply to you, you must complete and submit a form (Affidavit) to DMV for new registration transactions or renewals.
Sample certificate of liability insurance

Minimum levels of insurance coverage for commercial vehicles

  • Freight vehicles of 10,001 pounds or more GVWR, non-hazardous:  $750,000
  • Freight vehicles of 10,001 pounds or more GVWR, hazardous: $1,000,000 or $5,000,000 (higher liability required for certain types of hazardous material, see Federal Motor Carrier Safety Administration
  • Any vehicle with a seating capacity of more than 8 passengers: $1,500,000
  • Any vehicle with a seating capacity of 16 passengers or more: $5,000,000
How to report insurance coverage
Send your Acord Certificate of Liability Insurance form to DMV.CommercialAudit@ct.gov or mail it to: 

Department of Motor Vehicles
ATTN: Compliance Unit
60 State Street, Room 305
Wethersfield, CT 06161