City Coverage Pages

Transportation Insurance by City

Local market intelligence, regulator requirements, broker contacts, and coverage costs for the major NEMT, limo, paratransit, and black-car markets across the United States.

San Diego, CA

NEMT Insurance

San Diego is one of California's largest NEMT and limo markets, driven by a large VA and military healthcare population, several major dialysis networks, and Medi-Cal managed care through Health Net and Molina Healthcare of California.

Min: $1M (NEMT/Medi-Cal broker), $1.5M (TCP sedan), $5M (8+ passengers)
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San Francisco, CA

Limo Insurance

San Francisco is California's premium chauffeured transportation market, home to a dense concentration of corporate accounts, tech shuttles, and Uber Black operators.

Min: $1.5M CSL (TCP P-class), $5M (8+ passengers)
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Sacramento, CA

NEMT Insurance

Sacramento is a high-growth NEMT market anchored by UC Davis Medical Center, Sutter Health, Dignity Health, and multiple managed care plans including Partnership HealthPlan of California.

Min: $1M (NEMT broker minimum), $1.5M (TCP)
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Las Vegas, NV

Limo Insurance

Las Vegas is the most active limo and chauffeured transportation market in the United States.

Min: $1.5M CSL (NTA minimum for limousines)
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Phoenix, AZ

NEMT Insurance

Phoenix is one of the fastest-growing NEMT markets in the Southwest.

Min: $1M CSL (AHCCCS/MCO minimum)
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Houston, TX

NEMT Insurance

Houston is the largest NEMT market in Texas, anchored by the Texas Medical Center (the world's largest medical complex), Houston Methodist, Memorial Hermann, and Harris Health.

Min: $1M CSL (Texas Medicaid MCO standard)
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Dallas, TX

Limo Insurance

Dallas is one of the top corporate chauffeured transportation markets in the United States, driven by a large Fortune 500 base, Dallas/Fort Worth International Airport (the fourth-busiest in the world), and an active convention and entertainment economy.

Min: $1M CSL (city minimum), $1.5M+ recommended for corporate accounts
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Austin, TX

NEMT Insurance

Austin is a rapidly growing NEMT market boosted by a large Medicaid population, Seton Medical Center, Dell Seton Medical Center at UT, and the state's largest behavioral health system.

Min: $1M CSL
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Miami, FL

NEMT Insurance

Miami is Florida's largest NEMT market, with more than 850,000 Medicaid members in Miami-Dade County alone.

Min: $1M CSL + $10K PIP + $10K PDL (Florida no-fault)
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Orlando, FL

Medical Transportation Insurance

Orlando has one of Florida's most diverse medical transportation markets — anchored by AdventHealth, Orlando Health, and multiple VA and dialysis facilities.

Min: $1M CSL + $10K PIP + $10K PDL
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Tampa, FL

NEMT Insurance

Tampa is a major Florida NEMT market with a growing senior population and large dialysis and behavioral health transportation demand.

Min: $1M CSL + $10K PIP + $10K PDL
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Chicago, IL

Paratransit Insurance

Chicago is one of the largest paratransit and NEMT markets in the Midwest, with a dense population, extensive dialysis and behavioral health network, and Illinois Medicaid managed through IlliniCare, Meridian, and Molina.

Min: $350K (Illinois statutory minimum) — MCOs require $1M
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Columbus, OH

NEMT Insurance

Columbus is Ohio's largest city and NEMT market, with a growing Medicaid population served by CareSource, Molina Healthcare Ohio, and Buckeye Health Plan.

Min: $1M CSL (Ohio Medicaid MCO standard)
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Detroit, MI

NEMT Insurance

Detroit is Michigan's largest NEMT market, driven by one of the highest Medicaid enrollment rates in the state and major health systems including Henry Ford Health, Detroit Medical Center, and Beaumont Health.

Min: $1M CSL (MCO standard) — Michigan no-fault PIP also applies
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Atlanta, GA

NEMT Insurance

Atlanta is the largest NEMT market in Georgia, with a major Medicaid population managed through Amerigroup Georgia, CareSource Georgia, Peach State Health Management (Centene), and WellCare.

Min: $1M CSL (Georgia CMO standard)
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Charlotte, NC

NEMT Insurance

Charlotte is North Carolina's largest city and a growing NEMT market anchored by Atrium Health (formerly Carolinas HealthCare), Novant Health, and a large Medicaid population managed through Cardinal Innovations, Partners Health Management, and NC Medicaid Direct.

Min: $1M CSL (NC Medicaid PHP standard)
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New York City, NY

Black Car Insurance

New York City has the most regulated and competitive for-hire vehicle market in the world.

Min: $100K/$300K BI + $200K SUM + $10K PD (TLC minimum for FHVs)
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Newark, NJ

NEMT Insurance

Newark is the hub of New Jersey's NEMT market, with Newark Beth Israel Medical Center, University Hospital, and a large Medicaid population managed through Horizon NJ Health, Amerigroup NJ, and WellCare NJ.

Min: $1.5M CSL (NJ livery/sedan minimum) — Medicaid MCOs require $1M
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Philadelphia, PA

NEMT Insurance

Philadelphia is Pennsylvania's largest NEMT market, with Jefferson Health, Temple Health, Penn Medicine, and a large Medicaid population managed through SEPTA ADA paratransit and Pennsylvania Medicaid MCOs (UPMC Health Plan, Geisinger, UPMC for You, Keystone First).

Min: $1M CSL (PA HealthChoices MCO standard)
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Seattle, WA

Paratransit Insurance

Seattle is the Pacific Northwest's largest paratransit and NEMT market.

Min: $1M CSL (Washington Apple Health MCO standard)
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We write transportation insurance in all 48 continental states. Call us or request a quote for any market.