States We Serve
Explore our dealer and garage insurance guides for Florida, Texas, North Carolina, South Carolina, Georgia, New Mexico, Utah, and Oklahoma. These featured guides are not an exhaustive list of Ellie Insurance Group's producer licenses or service areas. Contact us about your state and operation; coverage availability depends on licensing, carrier appetite, and underwriting.
Florida
No-fault state · $25K bond · 10,000+ dealers
Florida is a no-fault state with over 10,000 licensed dealers. FLHSMV requires garage liability and a $25,000 surety bond. Tow truck minimums are set by GVW per Statute 627.7415.
Texas
At-fault state · $50K bond · $85K CSL minimum
Texas requires a $50,000 dealer surety bond and $85,000 CSL minimum for dealers. TDLR sets tow truck insurance by towing type — from $300K (consent) to $500K (incident management).
North Carolina
At-fault state · $50K bond · 3,800+ dealers
North Carolina requires a $50,000 surety bond ($25K each additional location) and garage liability for all licensed dealers. The NCDMV License & Theft Bureau oversees compliance.
South Carolina
At-fault state · $50K bond · Growing market
South Carolina requires a $50,000 surety bond and proof of garage liability insurance. The SCDMV regulates dealer licensing and sets minimum coverage requirements.
Georgia
At-fault state · $35K bond · $125K CSL minimum
Georgia requires a $35,000 surety bond and $125,000 CSL (or 50/100/25 split) for licensed dealers. The GA Department of Revenue Motor Vehicle Division oversees licensing.
New Mexico
At-fault state · $50K bond · Southwest market
New Mexico requires a $50,000 surety bond for motor vehicle dealers. The NM MVD regulates dealer licensing and requires proof of garage liability insurance.
Oklahoma
At-fault state · $25K bond · $25K CSL minimum
Oklahoma requires a $25,000 surety bond and $25,000 CSL minimum for dealers. The OMVC licenses dealers, and OAC 595:25-5-4 sets wrecker insurance by class.
Utah
No-fault state · $75K bond · Fastest-growing
Utah requires a $75,000 surety bond — one of the highest in the western US. Workers' comp is mandatory for all employers with 1+ employees.
Why State-Specific Garage Liability Matters
Garage liability insurance requirements vary significantly from state to state. Florida mandates specific minimum liability limits for tow trucks based on Gross Vehicle Weight, and is a no-fault state — meaning Personal Injury Protection (PIP) applies before uninsured motorist coverage. Texas requires a $50,000 dealer surety bond and sets different tow truck minimums through the TDLR. North Carolina and Georgia require workers' compensation for businesses with just 3 employees, while Florida requires it at 4.
An insurance agent who doesn't focus on your state's automotive regulations may miss these requirements — leaving your business exposed to fines, license suspension, or uncovered claims. Our team is licensed in each state we serve and stays current with the regulatory requirements that affect your business.
Beyond compliance, state-specific knowledge helps us find the right carriers for your market. Not all insurance companies write garage liability in every state, and rates vary significantly by geography. As an independent agency working with 100+ A-rated carriers, we can compare options across the market to find the best coverage at the best price for your specific state and business type.
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Tell us your state and business type — we'll find the right garage liability program for your operation.