What tow truck insurance minimums does this tool show?

For each state, it shows the minimum auto liability, on-hook (in-tow) coverage, and filings from the law itself, plus what police rotation usually adds.

Does the tool show garagekeepers or cargo minimums?

No. Results show auto liability, on-hook, and filings. Police-rotation guidance still mentions garagekeepers and cargo as typical local-contract requirements.

Is this legal advice or a quote?

No. This tool is informational only — not legal advice or a quote.

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Tow Truck Insurance Requirements by State

We show the minimums from the law itself — not a generic commercial auto guess — plus what police rotation usually adds.

Your state Truck weight (GVWR)

Under 10,001 lbs 10,001 lbs or more

Your truck's GVWR is on the door sticker. 10,001 lbs is the federal line.

Where do you operate?

Intrastate only Across state lines

Are you on police rotation?

Includes other non-consensual towing, like private-property impounds.

No Yes

Informational only — not legal advice and not a quote. Requirements change, and police rotation terms are set by each local agency's agreement, so confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.