Dry van trucking in Indiana: state filings and insurance touchpoints
A new for-hire dry van carrier hauling only inside Indiana files Form IOA-1 with Indiana DOR Motor Carrier Services, and its insurer files a Form E. The state minimum for general freight is $750,000 for trucks rated 10,001 pounds or more, and $300,000 below that. Covered employers also carry workers' comp.
- Intrastate filings
- Insurance minimums
- Workers' comp
- If you cross state lines
- FAQ
Most dry van freight is general commodities. Here are the Indiana touchpoints for a dry van carrier, with the official source for each.
Intrastate filings
- New for-hire carriers that never leave Indiana file Form IOA-1, and the insurer files a Form E (Indiana DOR MCS checklist). Details: Indiana intrastate requirements.
Insurance minimums
- For-hire general freight: $300,000 at 10,000 pounds or less, $750,000 at 10,001 pounds or more (Indiana DOR Commercial Motor Vehicle Guide).
Workers' comp
- Covered employers insure with a company authorized in Indiana or prove they can pay claims directly (Indiana Worker's Compensation Board). See Indiana workers' comp.
If you cross state lines
- Interstate for-hire carriers file federal proof of insurance with FMCSA. The floor for general freight in trucks rated 10,001 pounds or more is $750,000 (49 CFR 387.303T).
- Most interstate carriers also register for UCR each year.
For loads that cross state lines, the federal rules apply. See dry van insurance requirements and our fleet guide.
FAQ
What does a new Indiana dry van carrier file?
If it hauls for hire only inside Indiana, Form IOA-1 with DOR Motor Carrier Services, plus a Form E from its insurer.
What are Indiana's minimums for general freight?
$300,000 at 10,000 pounds or less and $750,000 at 10,001 pounds or more, per the Indiana DOR Commercial Motor Vehicle Guide.
Who files the Form E?
Your insurance company, not you.
Does Indiana require workers' comp for trucking companies?
Covered employers must insure with a company authorized in Indiana or qualify to pay claims directly.
This guide is general information, not advice on any policy.
From the Wire: Indiana lawmaker backs a crackdown on chameleon trucking companies.
Sources
- Indiana DOR MCS: UCR, USDOT numbers and Indiana operating authority checklist (accessed Oct 29, 2026)
- Indiana DOR MCS: Commercial Motor Vehicle Guide (PDF) (accessed Oct 29, 2026)
- Indiana Worker's Compensation Board: Employers (accessed Oct 29, 2026)
- FMCSA: Insurance filing requirements (last updated Mar 26, 2026)
- 49 CFR 387.303T: Security for the protection of the public: Minimum limits (last amended Sep 30, 2019)