Rules may differ by your state of registration, current policy limits, and insurance company.
Here in B.C. minimum liability insurance is $250,000, and this may be Canada wide. I was shocked when told Montana ,only required a minimum of $50,000. Could be if crossing border, into Canada, with Montana plates you'd be asked.
99DSDP 3884, Freightliner, XC, CAT 3126B, 300 HP /ALLISON 3060
2000 Caravan toad, Remco & Blue Ox.