Do You Need a Special License to Drive a Limo?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 18
- 2 min read
Driving a limousine is more than just operating a luxury vehicle—it’s a professional responsibility that comes with specific legal requirements. If you're planning to start a limo company or become a chauffeur, you might be wondering: Do you need a special license to drive a limo? The answer is yes, in most cases.
Licensing Requirements
Let’s break down the licensing requirements, when a CDL is necessary, and how Wexford Insurance can help protect your limo business.
1. Chauffeur’s License: The Standard Requirement
In most U.S. states, you’ll need a chauffeur’s license to legally operate a limousine for hire. This license is different from a standard driver’s license and is required for anyone transporting passengers commercially.
To obtain a chauffeur’s license, you typically must:
Be at least 18 or 21 years old (varies by state)
Hold a valid driver’s license
Pass a written knowledge test
Undergo a background check
Complete a medical exam (in some states)
Pay an application fee
2. When Do You Need a CDL to Drive a Limo?
A Commercial Driver’s License (CDL) is required if the limousine is designed to carry 16 or more passengers, including the driver. This applies to stretch limos, limo buses, and party buses.
If a CDL is required, you’ll also need a Passenger (P) endorsement, which involves additional testing on passenger safety and emergency procedures.
3. Insurance Requirements for Limo Companies
Operating a limo business means carrying the right insurance to protect your passengers, vehicles, and business assets. At Wexford Insurance, we specialize in providing comprehensive coverage for limo companies, including:
Commercial Auto Liability Insurance
Uninsured/Underinsured Motorist Coverage
4. State and Local Regulations
While federal rules apply to larger vehicles, state and local governments regulate licensing for smaller limos. Some cities may have stricter requirements, including:
Local chauffeur permits
Vehicle inspections
Business licenses
Proof of commercial insurance
Always check with your state DMV or local transportation authority for specific requirements in your area.
Conclusion
Yes, you do need a special license to drive a limo—typically a chauffeur’s license, and in some cases, a CDL with a passenger endorsement. Licensing requirements vary by state and vehicle size, so it’s essential to do your research and stay compliant.
And don’t forget—Wexford Insurance is here to help you protect your limo business with the right insurance coverage from day one. Connect now!
