Large vehicles such as dump trucks, 18 wheelers, and other commercial vehicles can cause much more damage when crashing into another vehicle, building or person. They’re harder to maneuver and require special licenses to drive them. As such, the insurance requirements set by the government are much higher. Many standard vehicle insurance minimums are around $25,000 for injury, but larger vehicles like semi trucks are often required to have insurance minimums of a million dollars or more. This is simply because of the amount of devastation they can cause to property and their far greater possibility of ruining lives.