Missouri Commercial Truck Insurance

What Is It?

Having Missouri Commercial Truck Insurance is an essential part of owning and operating a commercial truck in the state of Missouri. Whether you’re transporting goods or providing a service, you need to make sure you’re properly protected with a reliable insurance policy.

Who's It For?

  • For Hire Dump Trucks
  • Long Haul Truckers
  • Produce Haulers
  • General Freight Haulers
  • Amazon Freight Haulers
  • Intermodal Carriers


What Is Offered?

  • Auto Liability Coverage
  • Physical Damage Coverage
  • Unidentified Trailer Coverage
  • Motor Truck Cargo Coverage
  • Truckers General Liability Coverage


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Commercial Truck Insurance In Missouri

What is Missouri Commercial Truck Insurance?

Missouri Commercial Truck Insurance is a specialized type of insurance policy designed to provide coverage for commercial trucks used for business purposes. This insurance coverage helps protect truck drivers and their employers from potential financial losses in the event of accidents, property damage, or injuries that may occur while on the road. Missouri Commercial Truck Insurance policies typically include coverage for liability, cargo, physical damage, and more. It is an essential investment for anyone who operates a commercial truck in Missouri.

Who Needs Missouri Commercial Truck Insurance?

Anyone who operates a commercial truck in Missouri needs Missouri Commercial Truck Insurance. This includes business owners who have a fleet of commercial trucks, as well as individual truck owners who use their vehicles for commercial purposes. 

Missouri law mandates that all commercial vehicles must be insured, and this includes trucks that are used for transporting goods, equipment, or passengers. Even if you are an independent owner-operator, you will still need Missouri Commercial Truck Insurance to protect yourself and your business in case of an accident. It is important to note that personal auto insurance policies typically do not cover commercial vehicles, so it is essential to have separate Missouri Commercial Truck Insurance coverage.

How Much Does Missouri Commercial Truck Insurance Cost

One of the first questions people often have about Missouri Commercial Truck Insurance is how much it will cost. Unfortunately, there is no one-size-fits-all answer to this question, as the cost of your policy will depend on a number of factors. These factors may include the type of truck you drive, your driving history, the coverage options you select, and the level of risk associated with your business.

On average, Missouri Commercial Truck Insurance can range from several hundred to several thousand dollars per year. However, the cost of your policy will depend on your individual circumstances and the coverage options you select. To get an accurate idea of how much your policy will cost, it’s best to get quotes from multiple insurance providers and compare them carefully.

t’s important to remember that while the cost of Missouri Commercial Truck Insurance may seem high, it’s a necessary expense to protect yourself and your business from the financial risks associated with accidents, theft, and other unforeseen events. Without insurance, the costs of repairs, medical bills, and legal fees can quickly add up, potentially causing serious financial harm to your business.

Ultimately, the cost of Missouri Commercial Truck Insurance will depend on a number of factors, including your driving history, the type of truck you drive, and the level of coverage you select. To get the best possible rate, it’s important to shop around and compare quotes from multiple providers. With the right policy in place, you can rest assured that your business is protected from unexpected events and can continue to thrive and grow.

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Did You Know?

  • Missouri had the seventh-highest number of motor vehicle thefts in the country in 2019. Consider buying comprehensive coverage if you’re worried about someone stealing your car.
  • If anyone 8-15 in your vehicle is not wearing a seatbelt, you could get pulled over. Be sure your younger passengers buckle up to keep them safe and avoid a fine.
  • An estimated 16.4% of drivers in Missouri were uninsured in 2019. You can give yourself more protection by increasing your uninsured motorist coverage limit.

Source: Progressive.com

How Do I Get Missouri Commercial Truck Insurance?

Getting Missouri Commercial Truck Insurance is not as complicated as you might think. In fact, there are many insurance companies in Missouri that specialize in providing coverage specifically for commercial trucks. The easiest way to get started is to contact an insurance agent who can guide you through the process and help you find the right policy to fit your specific needs.

Before you begin, make sure you have all of the necessary information about your truck, including its make, model, year, and VIN number. You will also need to provide information about your business, including the type of cargo you haul, how far you travel, and how many drivers will be operating the vehicle.

Once you have this information, you can start shopping around for the best Missouri Commercial Truck Insurance rates. You can compare quotes from different insurance providers to find the policy that offers the most coverage at the best price.

When you are ready to purchase your policy, you will need to provide proof of insurance to the Missouri Department of Revenue. This can be done by submitting a certificate of insurance directly to the Department, or by providing proof of coverage to any law enforcement officer who requests it.

Remember, Missouri Commercial Truck Insurance is required by law, so it is important to make sure you have the right coverage before hitting the road. By working with an experienced insurance agent like Coast Transport and carefully selecting the right policy, you can protect your truck, your business, and your livelihood.

Factors That Affect Missouri Commercial Truck Insurance?

Missouri Commercial Truck Insurance is affected by various factors that determine the premiums you pay for your coverage. These factors include the size of your truck, its age, its purpose, and the cargo it carries. The following are some of the key factors that affect your Missouri Commercial Truck Insurance.

First, the type of cargo your truck carries will impact your insurance costs. Carriers transporting hazardous materials or other high-risk cargo typically pay higher premiums than those hauling non-hazardous goods.

Second, the age of your truck will also affect your insurance costs. Newer trucks typically have higher insurance rates than older ones, but older trucks may be more costly to repair or replace.

Third, your driving record and the driving records of your drivers also impact your Missouri Commercial Truck Insurance costs. The better your driving record, the lower your premiums will be.

Fourth, your coverage level and deductible will affect your costs. Higher coverage limits and lower deductibles will result in higher premiums.

Finally, your location and the routes you take may impact your premiums. If you regularly drive in high-risk areas or take dangerous routes, you may pay higher premiums than those who travel in less risky areas.

Overall, there are numerous factors that can affect your Missouri Commercial Truck Insurance. It’s essential to consider these factors carefully when selecting coverage to ensure that you get the best rates possible. Working with an experienced insurance agent can help you navigate the process and find the right coverage for your needs.

Common Missouri Commercial Truck Insurance Coverages?

There are several types of coverage that are typically included in Missouri Commercial Truck Insurance policies. These include:

1. Liability coverage: This is the most basic type of insurance and is required by law. It covers damages or injuries to other people or property caused by your truck.

2. Physical damage coverage: This covers any damage to your truck in case of an accident, theft, or other covered events.

3. Cargo insurance: This coverage is specifically designed for cargo carried by commercial trucks. It covers damage to the cargo while in transit.

4. Bobtail insurance: This coverage applies to trucks that are used for personal purposes and not for hauling cargo. It covers damages or injuries that occur while the truck is being driven without a trailer attached.

5. Non-trucking liability insurance: This covers damages or injuries that occur while the truck is being used for personal purposes and not for business.

6. Occupational accident insurance: This is a type of insurance that provides coverage for work-related injuries to the driver.

In addition to these common types of coverage, there are also additional options that may be included in your policy, depending on your needs. Some examples include roadside assistance, rental reimbursement, and more. Talk to your insurance agent to determine which types of coverage are right for your commercial trucking business.

Quick Facts about Missouri Commercial Truck Insurance?

Missouri Commercial Truck Insurance may not seem like the most exciting topic, but there are some interesting facts to know about it:

1. The state of Missouri requires all commercial trucks operating in the state to have insurance coverage. Failure to have insurance can result in fines and even impounding of the vehicle.

2. Missouri Commercial Truck Insurance covers more than just accidents. It can also provide coverage for theft, cargo damage, and even pollution liability.

3. The cost of Missouri Commercial Truck Insurance can vary widely depending on factors such as the type of vehicle, the driver’s record, and the coverage limits chosen.

4. Some companies specialize in Missouri Commercial Truck Insurance and offer policies tailored specifically to the needs of commercial truck owners and operators.

5. It’s important to regularly review and update your Missouri Commercial Truck Insurance coverage to ensure you have adequate protection for your business.

6. In addition to insurance coverage, commercial truck owners and operators are also required to follow certain safety regulations, such as maintaining proper logbooks and complying with weight restrictions on highways.

7. While Missouri Commercial Truck Insurance may seem like an added expense, it’s an important investment for protecting your business and your livelihood. In the event of an accident or other unforeseen event, insurance can provide financial peace of mind and help keep your business running smoothly.

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Missouri Commercial Truck Insurance Filings

Having an Missouri commercial truck insurance and being legal are two different things. You want to make sure your trucking company is following the rules and regulations of the Missouri Department of Transportation (MODOT) and Federal Motor Carrier Safety Administration (FMCSA). The MODOT and FMCSA both require insurance filings and/or endorsements on your truck insurance policy. We can make sure you get the correct insurance coverages to stay in compliance with MODOT and the federal government regulations.

  • ICC
  • MCS90
  • Form E
  • Form H
Missouri Commercial Truck Insurance

Missouri Commercial Truck Insurance Coverages We Can Write

We can customize a Missouri commercial truck insurance program to meet your specific requirements. This might vary from comprehensive coverage to liability-only coverage. 

Missouri Commercial Truck Insurance Types We Can Write

We can insure almost every sort of commercial vehicle. The following are the most often seen. If you’re searching for anything in particular, give us a call; we’re happy to assist you.


We Can Write Missouri Commercial Truck Insurance In All Areas

Regardless of the city in which you operate, we can assist you in putting together a competitive Missouri commercial truck insurance plan. We can assist you in any part in Missouri, including…

We can also offering commercial truck insurance to the neighboring states: Arkansas, Illinois, Iowa, Kansas, Nebraska, Oklahoma and Tennessee.

Resources for Missouri Truckers

The Missouri Trucking Association advocates, promotes and defends Missouri’s trucking industry.

The Missouri Department of Transportation oversees Missouri’s infrastructure mainly roads, underpasses and highways.

Missouri Department of Commerce & Insurance Division is the regulatory body that oversees the Missouri’s insurance industry.

Federal Motor Carrier Safety Administration is the regulatory body that oversees the commercial motor vehicles in the United States.  Their job is to keep our roads and highways safe.

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