States vary greatly in requirements defining when a CDL is required. Generally, a vehicle with a GVWR of 26,001 pounds requires a CDL. Here in Michigan there is a requirement for a CDL if the vehicle is being used in commercial service; that is, it is being used to generate income. If the vehicle is not in commercial service a CDL is not required.
In fact, Michigan law exempts the operator from having a CDL if the vehicle is privately owned, being used for personal use only, and not in commercial service. In 2010 I licensed my 2003 Peterbilt semi tractor using this exemption. I do not have a CDL.
There is significant ignorance abt this CDL requirement; especially from truckers.
Here’s what I did:
1) Get a copy of your state’s CDL study booklet.
2) From the Internet, download a copy of your state’s Uniform Vehicle Code. Study it for CDL exemptions.
3) Check with your insurance carrier for their guidelines for owning a “heavier” vehicle not in commercial service.
The folks at my Secretary of State’s office here in MICHIGAN were quite helpful throughout my licensing (titling) process. Find out from them what they require and follow it (after you read the law, so you know what you are entitled to). Don’t go in dumb and ignorant. I had to provide proof of insurance and a weigh ticket.
It all depends on how your state does it; not what someone thinks they know when you ask.
Hope this helps.