Commercial Truck Insurance in Missouri

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Missouri is a central hub for regional freight, connecting the Midwest to the South and beyond. Major trucking routes include I-70, I-44, I-35, and I-55, facilitating deliveries in urban centers like St. Louis, Kansas City, and Springfield, as well as statewide distribution. Protecting your trucks, cargo, and drivers with proper insurance is essential to avoid costly accidents, liability claims, and regulatory penalties.

At Trucking Insurance Now, we help Missouri truckers and fleet operators secure fast, customized quotes, maintain FMCSA compliance, and cover all types of trucking operations.

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Quick FactsAverage annual premium$9,500–$16,000 per truckRequired liability (interstate)$750,000 minimum (FMCSA)Common higher limits$1M–$5M for hazmat or high-value freightTop regulatory bodiesFMCSA • Missouri Department of Transportation – Motor Carrier ServicesTop freight corridorsI-70 • I-44 • I-35 • I-55 • US-50 • US-63 

Cities we serve: St. Louis • Kansas City • Springfield • Columbia • Independence • Lee’s Summit • St. Joseph • St. Charles • Blue Springs • Joplin

Tailored insurance coverage for independent drivers transporting local, regional, or interstate freight, including industrial goods, agricultural products, and specialty cargo.

Insurance programs for multi-truck fleets offering CSA score monitoring, fleet discounts, and quick issuance of certificates of insurance for brokers and shippers.

Coverage for oversized loads, construction materials, steel, and machinery across Missouri highways and urban streets.

Expedited freight insurance for short-haul, time-sensitive deliveries throughout urban centers, regional routes, and rural areas.

Protection for sand, gravel, aggregate, and construction material hauls, including liability and physical damage coverage.

Insurance for refrigerated goods, including produce, dairy, and pharmaceuticals, accounting for Missouri’s seasonal climate.

High-limit liability coverage for fuel, chemicals, and hazardous materials, fully FMCSA-compliant.

Coverage for towing operations including on-hook liability, garage keepers liability, and business auto for urban and highway recovery work.

Coverage for last-mile deliveries, retail freight, and e-commerce operations throughout St. Louis, Kansas City, Springfield, and surrounding cities.

• Intrastate trucking: Must meet Missouri DOT insurance minimums for liability and cargo.
   
• Interstate trucking: Must comply with FMCSA regulations, including minimum liability limits and MCS-90 filings.
   
• Workers Compensation: Required for trucking businesses with employees in Missouri.
   

Typical coverage:

• $750,000 general freight
   
• $1,000,000 fuel/oil transport
   
• $5,000,000 hazardous materials
   

• Maintain clean driver records and MVRs
   
• Install GPS tracking and dash cameras
   
• Document preventive maintenance programs
   
• Bundle multiple coverage types for discounts
   
• Train drivers on safety, defensive driving, and regulatory compliance
   

• Missouri Department of Transportation – Motor Carrier Services
  https://www.modot.org/motor-carrier-services
   
• Missouri Trucking Association
  https://www.motruk.org/
   
• FMCSA Missouri Field Office
  https://www.fmcsa.dot.gov/
   

Trucking Insurance Now helps Missouri truckers stay protected, compliant, and confident — from St. Louis to Kansas City and across the Show-Me State.

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