Semi truck on an open highway
Truck insurance · North Dakota

Truck insurance in North Dakota

What North Dakota 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 North Dakota carrier for. Every state rule below links to its official source.

By Sam Alishahi · Reviewed October 2026

North Dakota at a glance

USDOT number for in-state trucks: not required by the state · State operating authority: yes, see below · State insurance minimums: yes, see below · UCR participant: yes · State trucking taxes or permits: NDHP oversize/overweight permits.

What North Dakota requires of trucking companies

  • USDOT number for trucks that stay in North DakotaNo. The North Dakota Highway Patrol says carriers that operate only within North Dakota do not need a USDOT number unless they need a federal hazardous materials safety permit. Source
  • North Dakota operating authorityNorth Dakota does not require state operating authority for intrastate property carriers. Household goods carriers are the exception: they need a household goods carrier permit from NDDOT and must file liability insurance. Source
  • Insurance minimums for intrastate carriersNorth Dakota does not set a separate intrastate trucking minimum. Highway Patrol guidance applies the federal Part 387 minimums to for-hire property carriers in interstate commerce and to hazardous materials carriers, including intrastate ones. Other vehicles need standard auto liability. Source

Once a North Dakota truck crosses a state line

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

North Dakota trucking taxes and permits

  • NDHP oversize/overweight permitsThe North Dakota Highway Patrol issues single-trip and other oversize/overweight permits, including through its online E-Permits system, for loads that cannot be reduced and exceed legal limits. Source

Workers’ comp for North Dakota trucking companies

North Dakota is a monopolistic state. Workforce Safety & Insurance (WSI) is the only workers' compensation insurer, and private carriers cannot write it. With limited exceptions, all employers must cover all employees, including part-time, seasonal and occasional workers, before they start work. Source

Where North Dakota trucks run

Freight moves on I-94 and I-29 and US-2, with US-85 serving the Bakken oil region. Fargo and Grand Forks are the eastern distribution hubs, and Williston and Dickinson anchor oilfield traffic in the west. The busiest freight markets include Fargo, Bismarck, Grand Forks, Minot, Williston and Dickinson.

Bakken oilfield hauling (crude, water, sand and equipment) and seasonal agricultural hauling drive much of the state's trucking. Workers' comp must come from WSI, and because WSI policies do not include employers' liability, employers often add separate stop-gap employers' liability coverage from a private insurer.

North Dakota trucking by the numbers

North Dakota trucking, from FMCSA and FEMA records
MeasureNorth DakotaRank among the statesDetail
New for-hire carriers (October 2025 to September 2026)348#43 of 51+11.5% from the year before; 57% started with a single power unit.
Deaths in truck crashes, 202422#43 of 5121 fatal crashes among 501 reportable truck crashes; 202 deaths 2016–2025 (2025 preliminary).
Vehicles placed out of service at roadside inspections, 202519.9%#36 of 4911,016 inspections; drivers out of service 3.3% (US: vehicles 22.3%, drivers 6.1%).
Trucking companies that lost operating authority, 2025289#40 of 5115 more suspended for cancelled insurance under Motus since June 2026.
Federal major disaster declarations since 200038#18 of 51Most often for severe storm, 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 North Dakota?

No. The North Dakota Highway Patrol says carriers that operate only within North Dakota do not need a USDOT number unless they need a federal hazardous materials safety permit.

What insurance does North Dakota require for intrastate trucking?

North Dakota does not set a separate intrastate trucking minimum. Highway Patrol guidance applies the federal Part 387 minimums to for-hire property carriers in interstate commerce and to hazardous materials carriers, including intrastate ones. Other vehicles need standard auto liability.

Is workers’ comp required for a trucking company in North Dakota?

North Dakota is a monopolistic state. Workforce Safety & Insurance (WSI) is the only workers' compensation insurer, and private carriers cannot write it. With limited exceptions, all employers must cover all employees, including part-time, seasonal and occasional workers, before they start work.

Sources

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

North Dakota trucking

Tell me about your trucks and your lanes.

Your USDOT number, the units, the drivers and what you haul. I’ll take it from there.

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.

Get a quote

Tell me how to reach you. I’ll take it from there.

Takes about 30 seconds. I review every request personally and call you back, usually the same day.

(424) 552-4545

Answered 24/7 · CA License #4348151

Only your name, phone and email are required; every question here is optional. Sending this form doesn’t bind coverage; coverage starts only when I confirm it in writing.

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.