Commercial Truck Insurance
Missouri
Coverage built for Missouri’s freight hubs, highways, and Heartland routes
At GIA Group, LLC, we specialize in providing tailored commercial truck insurance solutions for drivers and fleet owners across Missouri. Whether you're operating in Kansas City, St. Louis, Springfield, or any other part of the state, our team understands the unique challenges Missouri truckers face and is here to ensure you're adequately covered.
Success Stories
Client’s case | Price per truck / year |
|---|---|
Reefer, auto liability, physical damage, cargo with reefer breakdown | $17,400 |
Non truck liability and physical damage | $3,100 |
Small fleet, auto liability, trailer interchange, general liability and cargo with reefer breakdown | $12,800 |
Small fleet, dry van, primary liability and cargo | $11,050 |
Dry van, new venture, young out of state driver | $13,900 |
Reefer, with prior claims | $13,100 |
Coverage
Who needs it
Serving diverse trucking operations in Missouri
Owner-operators: Customized policies for independent drivers.
Small to large fleets: Scalable coverage options to fit fleet sizes.
New ventures: Support and guidance for those new to the trucking industry.
Specialized haulers: Coverage for car haulers, dump trucks, tow trucks, flatbeds, and more.
Amazon Relay and freight brokers: Insurance solutions tailored for specific contract requirements.
Our advantages
Requirements
Missouri truck insurance requirements
Operating a commercial truck in Missouri requires adherence to specific insurance mandates:
Liability Insurance: Minimum of $750,000 for general freight; higher limits may be required for hazardous materials.
Cargo Insurance: Required for certain operations, especially when transporting household goods.
State and Federal Filings: Assistance with necessary filings such as Form E and MCS-90 to ensure compliance.
Information reflects minimum requirements as of 2025 and is for general reference only. Actual limits and filing obligations may vary by cargo type, route, operation size, or recent regulatory changes. Carriers should verify with the FMCSA, Mississippi DOT, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Missouri?
The cost of commercial truck insurance in Missouri can vary depending on factors like your driving record, type of vehicle, operating radius, cargo, and coverage limits. On average, Missouri truckers may pay between $8,000 and $14,000 per truck annually, but owner-operators with clean records may qualify for lower rates. Contact GIA Group, LLC for a personalized assessment to get the most accurate quote.
Facts
Service area
Truck insurance across Missouri
We offer Missouri commercial-auto coverage statewide, including these major freight hubs: St Louis, Kansas City, Springfield, Columbia, Joplin — plus every grain elevator, rail ramp, and distribution corridor in between.
Our reach goes beyond Missouri. GIA Group, LLC is licensed in multiple states, offering consistent coverage wherever your business takes you.
