Semi truck on an open highway
Truck insurance · Colorado

Truck insurance in Colorado

What Colorado requires of trucks that stay in the state, what the federal rules add once you cross a state line, and the coverages brokers and shippers will ask a Colorado carrier for. Every state rule below links to its official source.

By Sam Alishahi · Reviewed October 2026

Colorado at a glance

USDOT number for in-state trucks: required · State operating authority: yes, see below · State insurance minimums: yes, see below · UCR participant: yes · State trucking taxes or permits: Commercial vehicle chain law, CDOT oversize/overweight permits.

What Colorado requires of trucking companies

  • USDOT number for trucks that stay in ColoradoColorado requires a USDOT number for intrastate commercial vehicles, which for intrastate purposes means 16,001 lbs GVWR/GCWR or more, apportioned-plated vehicles, placarded hazmat and certain passenger vehicles. Intrastate-only carriers add a 'CO' suffix after the USDOT number in their vehicle markings. Source
  • Colorado operating authorityColorado's PUC does not regulate intrastate transportation of property except by towing carriers and household goods movers, which need PUC permits. Passenger carriers also need PUC authority. Source
  • Insurance minimums for intrastate carriersFor intrastate carriers, Colorado adopts the federal Part 387 minimums ($750,000 for general freight in vehicles of 10,001 lbs or more) and adds a $10,000 cargo minimum per vehicle, or the value of the load if lower. Source

Once a Colorado truck crosses a state line

Federal rules add a USDOT number, MC authority and a $750,000 minimum for general freight (details). Colorado is a UCR participating state.

Colorado trucking taxes and permits

  • Commercial vehicle chain lawColorado's must-carry chain law for commercial vehicles runs from September 1 through May 31, and CDOT can also put chain and traction laws into effect during storms. Source
  • CDOT oversize/overweight permitsCDOT issues single-trip, annual and fleet permits for oversize and overweight loads, with tighter length limits on mountainous two-lane roads. Source

Workers’ comp for Colorado trucking companies

Colorado employers must carry workers' compensation once they have one employee, whether part-time, full-time or a family member. There is no monopolistic state fund. Source

Where Colorado trucks run

I-25 and I-70 are the main corridors, with I-76 to Nebraska, crossing at Denver, the state's central distribution hub. The busiest freight markets include Denver, Colorado Springs, Pueblo, Greeley, Fort Collins and Grand Junction.

The I-70 mountain corridor brings steep grades, runaway-truck ramps, winter chain requirements and frequent weather closures, which raise accident and cargo-delay exposure.

Colorado trucking by the numbers

Colorado trucking, from FMCSA and FEMA records
MeasureColoradoRank among the statesDetail
New for-hire carriers (October 2025 to September 2026)2,354#16 of 51+8.6% from the year before; 64% started with a single power unit.
Deaths in truck crashes, 2024105#21 of 5184 fatal crashes among 1,805 reportable truck crashes; 923 deaths 2016–2025 (2025 preliminary).
Vehicles placed out of service at roadside inspections, 202521.1%#34 of 4949,264 inspections; drivers out of service 6.4% (US: vehicles 22.3%, drivers 6.1%).
Trucking companies that lost operating authority, 2025926#22 of 5111.4 for every 10 companies granted authority that year; 77 more suspended for cancelled insurance under Motus since June 2026.
Federal major disaster declarations since 200012#45 of 51Most often for fire, flood.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Common questions

Do I need a USDOT number for intrastate trucking in Colorado?

Colorado requires a USDOT number for intrastate commercial vehicles, which for intrastate purposes means 16,001 lbs GVWR/GCWR or more, apportioned-plated vehicles, placarded hazmat and certain passenger vehicles. Intrastate-only carriers add a 'CO' suffix after the USDOT number in their vehicle markings.

What insurance does Colorado require for intrastate trucking?

For intrastate carriers, Colorado adopts the federal Part 387 minimums ($750,000 for general freight in vehicles of 10,001 lbs or more) and adds a $10,000 cargo minimum per vehicle, or the value of the load if lower.

Is workers’ comp required for a trucking company in Colorado?

Colorado employers must carry workers' compensation once they have one employee, whether part-time, full-time or a family member. There is no monopolistic state fund.

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Colorado trucking

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Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

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