Skip to content

commercial trucking insurance for MISSOURI


Missouri is known for its random oversized objects. It’s home to a 12-foot-long pecan, a giant rocking chair that’s more than 42 feet tall, a 43-foot-tall rooster and the world’s largest chess piece — 53 times as big as a regular-size piece. It is also know for its vibrant trucking operations. In 2020, there were over 153,000 trucking industry jobs in the Show-Me State and 12,300 Missouri-based trucking companies in operation. Nearly 3 in 4 Missouri communities primarily or exclusively depend on trucking to move goods across the state’s 132,094 miles of public roads.

Missouri truck drivers deserve the best commercial trucking insurance available, and Joe Morten & Son is here to help. Whether you’re in St. Louis or Springfield, Independence or Joplin, 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!


You need to protect your trucking business. We’re 100% focused on trucking insurance.  Call 877.294.1446 or click

New call-to-action

Commercial Trucking Insurance Available in Missouri

Both Missouri and the FMCSA have minimum requirements for anyone seeking Missouri 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, Missouri motor carriers can trust that their coverage will match their needs.



What does commercial trucking insurance cost in Missouri?

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.


Missouri Commercial Trucking Insurance Cities

  • Kansas City
  • St. Louis
  • Springfield
  • Columbia
  • Independence
  • Lee's Summit
  • O'Fallion
  • St. Joseph
  • St. Charles
  • Blue Springs
  • St. Peters
  • Florissant

Missouri Commercial Trucking Insurance FAQ

The purchase of commercial trucking insurance is just the beginning of a long-lasting relationship between Joe Morten & Son and its customers. Whether a coverage question or help with an insurance certificate, if you need us for any reason, we urge you to contact us. In the meantime, here's a list of questions we're frequently asked, with some helpful answers.

What commercial vehicle insurance requirements are there in Missouri?

The federal government requires certain motor carriers to obtain permission before operating trucks and/or hauling certain goods. Because of the size and weight of commercial trucks, they are capable of, and often do, a great deal of damage. The government wants to be sure the public is protected by guaranteeing funds are available to pay for such damages. Also, since most motor carriers are carrying others' goods, the government also wants to be sure funds are available to repair/replace cargo damaged during transportation.

As a part of the process of obtaining federal authority to be able to haul across state lines, the government requires certain motor carriers to provide proof of financial responsibility before they are allowed to operate. This is typically done by purchasing insurance. The federal government requires $750,000 in insurance limits at a minimum. Many insurers require $1,000,000 in limits at a minimum.

What forms do you need to file to drive a truck in Missouri? That varies depending on your freight and the locations you haul. Your truck insurance agent can help ensure that you have filed the proper paperwork to operate under your own authority in Missouri. Paperwork has to be submitted to the state before a driver can operate under his or her own authority.
How much freight is hauled each year in Missouri?

The Missouri Department of Transportation (MoDOT) estimates that over 985 million tons of goods worth over $1.1 trillion pass through Missouri annually. Trucks transport 87% of these goods, indicating the state’s highways and many secondary roads are important trucking routes.

Source: MDOT

What are the top commodities hauled by commercial trucks in Missouri? Overall, the top commodities hauled in Missouri by value are electric machinery, vehicles, and computer parts. The top commodities by weight are electric machinery, computer parts, and glass. (Source: Kuebix by Freightwise)
How many miles of interstate are there in Missouri? Missouri has 16 33,830 miles of state-maintained routes, 4,800 miles of railroad tracks, and 1,380 miles of Interstate highways.(Source: MDOT)
How much do Missouri truck drivers get paid? Wages for truck drivers vary wildly, depending on the source. Total trucking industry  wages paid in Missouri in 2016 exceeded $6.6 billion,
with an average annual trucking industry salary of $46,996. Source: Missouri Trucking Association
How many trucking companies are there in Missouri? There are about 140,000 truck drivers employed at more than 12,000 trucking companies in Missouri. One in 17 Missourians is employed by the trucking industry; the average salary is $42,460. (Source: Missouri Trucking Association)
What education is required to drive a commercial truck in Missouri?

There are three steps for becoming a trucker in Missouri: 

  1. You must be over 18 or over 21 if you want to drive a truck across the Missouri state border.
  2. Enroll in a truck driving school.
  3. Get your Class A CDL, which lets you operate Class A commercial motor vehicles for trucking companies.

    The Class A CDL certification includes three parts:

    1. Five knowledge tests
    2. Hands-on training at a reputable driving school
    3. Final skills test
What is the Missouri Trucking Association? The Missouri Trucking Association was incorporated in 1937. Today it represents the interests of hundreds of member companies that operate trucks, including both for-hire and private carriers, as well as allied members that provide products and services to the motor carriers industry. Learn more here.