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Truck insurance · Tennessee

Truck insurance in Tennessee

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

By Sam Alishahi · Reviewed October 2026

Tennessee 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.

What Tennessee requires of trucking companies

  • USDOT number for trucks that stay in TennesseeTennessee is not on FMCSA's list of states that require a USDOT number for carriers operating only within the state. Intrastate for-hire carriers instead obtain Tennessee intrastate authority from the Department of Revenue; interstate carriers and placarded hazmat haulers still need a USDOT number. Source
  • Tennessee operating authorityFor-hire motor carriers (and private towing and wrecker services) operating within Tennessee need Intrastate Authority from the Tennessee Department of Revenue, applied for through TNTAP with a Form E liability filing and, for general freight, household goods and mobile home haulers, a Form H cargo filing. Source
  • Insurance minimums for intrastate carriersTennessee's schedule of limits requires $750,000 in liability for motor carriers hauling non-hazardous property in vehicles of 10,000 lbs GVWR or more, and $300,000 for vehicles under 10,000 lbs GVWR. Source

Once a Tennessee truck crosses a state line

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

Workers’ comp for Tennessee trucking companies

Tennessee employers outside construction and coal mining must carry workers' compensation once they have five or more full- or part-time employees, so a trucking company with fewer than five employees is not required to buy it. Coverage comes from private insurers or approved self-insurance. Source

Where Tennessee trucks run

I-40 crosses the state east to west, with I-24, I-65, I-75 and I-81 feeding it, and Memphis (river port, Class I rail hubs and the FedEx air hub), Nashville, Knoxville and Chattanooga are the main freight centers. The busiest freight markets include Memphis, Nashville, Knoxville, Chattanooga, Jackson and Tri-Cities (Kingsport, Johnson City, Bristol).

Memphis is one of the country's largest distribution and intermodal centers, so drayage, warehouse and final-mile trucking are concentrated there.

Tennessee trucking by the numbers

Tennessee trucking, from FMCSA and FEMA records
MeasureTennesseeRank among the statesDetail
New for-hire carriers (October 2025 to September 2026)2,245#19 of 51+2.6% from the year before; 66% started with a single power unit.
Deaths in truck crashes, 2024167#8 of 51154 fatal crashes among 3,961 reportable truck crashes; 1,554 deaths 2016–2025 (2025 preliminary).
Vehicles placed out of service at roadside inspections, 202533.1%#9 of 4986,591 inspections; drivers out of service 6.3% (US: vehicles 22.3%, drivers 6.1%).
Trucking companies that lost operating authority, 20251,554#12 of 5112.7 for every 10 companies granted authority that year; 126 more suspended for cancelled insurance under Motus since June 2026.
Federal major disaster declarations since 200048#5 (tied) of 51Most often for severe storm, severe ice storm.

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 Tennessee?

Tennessee is not on FMCSA's list of states that require a USDOT number for carriers operating only within the state. Intrastate for-hire carriers instead obtain Tennessee intrastate authority from the Department of Revenue; interstate carriers and placarded hazmat haulers still need a USDOT number.

What insurance does Tennessee require for intrastate trucking?

Tennessee's schedule of limits requires $750,000 in liability for motor carriers hauling non-hazardous property in vehicles of 10,000 lbs GVWR or more, and $300,000 for vehicles under 10,000 lbs GVWR.

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

Tennessee employers outside construction and coal mining must carry workers' compensation once they have five or more full- or part-time employees, so a trucking company with fewer than five employees is not required to buy it. Coverage comes from private insurers or approved self-insurance.

Sources

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

Tennessee 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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