Commercial Truck Insurance Iowa
Coverage for grain, livestock & I-80 commerce
From refrigerated potatoes rolling east on I-80 to grain hoppers bound for the river ports and crude–sand tankers in western fields, GIA Group, LLC builds insurance programs that satisfy every FMCSA rule and Iowa DOT Motor Carrier Services filing requirement.
Coverage
Who needs it
Serving Iowa truckers of all types
Owner-operators — leased-on or operating under their own authority.
New ventures — DOT/MC set-up, IRP plates, UCR, first-year filings.
Small & mid-size fleets — 1–50 power units, regional or long-haul.
Large fleets — 50 + units; quarterly loss reviews & telematics credits.
Agriculture & livestock — grain, corn-stover, cattle & hog carriers.
Construction & aggregate — belly-dumps, side-dumps, mixer trucks.
Intermodal & rail-ramp drayage — BNSF, UP & CP terminals in Council Bluffs & Des Moines.
Reefer & food-grade — meat, dairy, frozen foods moving to Midwest DCs.
Our advantages
Requirements
Iowa insurance & filing requirements
liability limits (intrastate):
$750 K CSL general freight
$1 M oil
$5 M placarded HM (Iowa adopts 49 CFR § 387)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods movers) e-filed by insurer with Iowa DOT Motor Carrier Services.
Interstate proof — BMC-91X / MCS-90 must be on record with FMCSA before authority activation.
Cargo insurance — statutory only for household-goods carriers; most shippers require ≥ $100 K.
The information above is provided for general educational purposes and reflects minimum insurance requirements as of 2025. Actual coverage needs may vary by operation, cargo type, or recent regulatory changes. Carriers should verify current limits and filing obligations with the FMCSA, their state Department of Transportation, or a licensed insurance professional.
Cost explanation
How much does trucking insurance in Iowa cost?
Most for-hire carriers from Iowa spend $8,000 – $17,000 per tractor each year. Premiums rise on haz-mat and long-haul I-80 lanes and fall on intrastate grain routes. We shop several markets to secure the right blend of rate and protection.
Facts
Service area
Serving Iowa truckers across the state
We provide Iowa commercial-auto coverage statewide, including these freight hubs: Des Moines, Cedar Rapids, Davenport, Sioux City, Council Bluffs — plus every grain elevator, ethanol plant, and I-80 / I-35 corridor in between.
