Who has the authority to issue a commercial driver's license?

The authority to issue a commercial driver's license is primarily vested in state traffic agencies. Each state in the U.S. has its own Department of Motor Vehicles (DMV) or an equivalent agency responsible for the issuance of all types of driver's licenses, including commercial driver's licenses (CDLs). These agencies ensure that applicants meet the necessary requirements such as passing written and driving skills tests, adhering to age regulations, and fulfilling medical standards as outlined in both state and federal regulations.

State agencies are mandated to follow federal guidelines, specifically those provided by the Federal Motor Carrier Safety Administration (FMCSA), but the actual administration and issuance of CDLs are carried out at the state level. This is why the correct answer emphasizes the role of state traffic agencies in this process. Other options, such as local municipalities or insurance companies, do not have the authority or processes in place to issue or regulate commercial driver's licenses, as this responsibility is specifically designated to the state level.