commercial trucking insurance for iowa
IOWA TRUCKERS – YOU HAVE A CHOICE WHEN IT COMES TO TRUCKING INSURANCE
Known as the Hawkeye state, Iowa is the nation's top pork producing state and the top corn producing state with over 85% of its land used for agriculture. Iowa is the only state with navigable rivers (the Missouri and the Mississippi) defining its borders.
On the eastern edge of Iowa, not far from the Mississippi River, adjacent to the small town of Walcott, you’ll find a place like no other in the world. The Iowa 80 Truckstop, now the World’s Largest Truckstop, established its home here in 1964 and is now in itself a home away from home to countless drivers and a destination for travelers as well.
Iowa truck drivers deserve the best commercial trucking insurance available, and Joe Morten & Son is here to help. Whether you’re in Davenport or Des Moines, Ames, or Iowa City, we can offer industry-leading commercial trucking insurance through Great West Casualty Company. The team at Joe Morten & Son can customize insurance protection plans to meet the needs of every trucker on the road.
Our customers enjoy peace of mind, knowing that they can get coverage from one source for all their truck insurance needs. For all commercial truck insurance policies we write, Joe Morten & Son is driven to serve!
CHAT WITH A COMMERCIAL TRUCK INSURANCE EXPERT.
You need to protect your trucking business. We’re 100% focused on trucking insurance. Want to talk to a real person? Call Bryan at 515.266.1113 x5892 or click
Commercial Trucking Insurance Available in Iowa
Both Iowa and the FMCSA have minimum requirements for anyone seeking Iowa commercial truck insurance. If you have your own authority, you will need primary liability insurance. And if you have employees, many states require that you carry workers compensation insurance. A leased owner operator may choose non-trucking use liability insurance or coverage for downtime, towing, and emergency expense coverage.
The advantage of choosing Joe Morten & Son for your trucking company insurance needs is that we will help you customize coverage for your specific operation, whether you have one truck or 500. Because trucking is all we do, Iowa motor carriers can trust that their coverage will match their needs.
HERE ARE SOME OF THE SEMI-TRUCK INSURANCE COVERAGES WE OFFER:
- Auto Liability coverage
- General Liability coverage
- Physical Damage coverage
- Cargo coverage
- Bulk Commodity coverage
- Equipment coverage
- Workers Compensation
- Excess coverage
- Garagekeepers coverage
- Trailer Interchange coverage
- Motor Carrier Reimbursement coverage
- Lease Value and Financed Value coverage
- Non-Trucking Liability
What does tractor trailer insurance cost in Iowa?
Several factors influence the cost of owner operator truck insurance, including:
- Business type
- Vehicle
- Location
- Coverage needs
- Driving history
- Operating radius
Learn more about how these and other factors specifically affect your owner operator insurance cost by talking to a Joe Morten & Son agent.
We Can Offer These Iowa Cities Commercial Trucking Insurance
- Des Moines
- Cedar Rapids
- Davenport
- Sioux City
- Iowa City
- Ankeny
- West Des Moines
- Waterloo
- Ames
- Council Bluffs
- Dubuque
- Urbandale
Iowa Trucking Insurance FAQ
Getting motor carrier insurance is just the first step in building a strong relationship with Joe Morten & Son. Whether you have inquiries about coverage or require help with an insurance certificate, we encourage you to contact us anytime. In the meantime, check out our list of frequently asked questions along with some useful answers.
Certain motor carriers are required by federal law to obtain permission before operating trucks or hauling specific types of cargo. Given the potential for commercial trucks to cause significant damage due to their size and weight, the government aims to protect the public by ensuring that funds are available for any damages. Moreover, as most motor carriers transport goods belonging to others, it is crucial to have adequate funds for repairing or replacing any cargo that might get damaged in transit.
As part of the federal process for gaining authority to transport goods across state lines, motor carriers must provide proof of financial responsibility, which is commonly fulfilled by purchasing insurance. The federal minimum insurance requirement is $750,000, although many insurers set a higher minimum of $1,000,000.
In 2022 Iowa’s freight system moved 638 million tons of freight, valued at $377 billion. The TRIP report also found that 22 percent of travel on Iowa’s Interstate highways and 27 percent of travel on its rural Interstate highways is by combination trucks – the eighth highest share in the nation. (Source: tripnet.org)
To become a truck driver in Iowa, one must first complete the required education and training. This involves obtaining a commercial driver's license (CDL) by passing written and practical exams. Once certified, individuals can then search for truck driving jobs and start earning a competitive salary in the industry.
To become a truck driver in Iowa, you must meet the following requirements:
- Education: There is no formal educational requirement, but most employers prefer candidates with a high school diploma or equivalent.
- Legal Requirements: You must obtain a valid Commercial Driver's License (CDL) in Iowa, which involves passing written and practical exams. The specific requirements for obtaining a CDL vary depending on the class of vehicle you plan to operate.
- Age Requirement: You must be at least 18 years old to obtain a CDL in Iowa, though interstate commercial driving typically requires you to be at least 21 years old.
The Iowa Motor Truck Association was established in 1942 and has been the voice of the Iowa trucking industry for over 80 years. Headquartered in Des Moines, Iowa, the IMTA represents over 400 trucking companies and suppliers of all sizes employing thousands of people throughout the State of Iowa.