Missouri Truck Insurance
Running I-70 or I-44 out of Missouri? Missouri is a central freight hub where I-70 and I-44 intersect major north-south corridors. Trucking companies in Missouri benefit from competitive insurance rates and access to carriers familiar with Midwest operations.
Full Coverage LLC is licensed in Missouri. In business since 2020 Β· BBB A+ (accredited since December 2023) Β· Agency NPN 19601127.
Missouri Trucking Insurance Requirements
Federal Requirements
Trucks that cross state lines follow the FMCSA minimums: $750,000 liability for general freight, $1,000,000 to $5,000,000 for hazardous materials.
Coverage We Provide in Missouri
Missouri Trucking Rules That Affect Your Insurance
Federal rules cover trucks that cross state lines. These are Missouri's own rules, read from the state's official pages.
- Who regulates in-state trucking
- MoDOT Motor Carrier Services issues operating authority to for-hire carriers hauling property wholly within Missouri. modot.org Β· checked 2026-10-21
All for-hire motor carriers transporting property or passengers in intrastate commerce (wholly within) are required to apply for authority to operate in Missouri.
- USDOT number for in-state trucks
- For-hire carriers need a USDOT number before Missouri grants intrastate operating authority. modot.org Β· checked 2026-10-21
To obtain intrastate operating authority, you must obtain a USDOT number, complete an online application through MoDOT Carrier Express, and have proof of insurance submitted by your insurance company.
- Minimum liability for in-state hauling
- Non-hazardous property carriers need $100,000 per person, $300,000 per accident and $50,000 property damage. modot.org Β· checked 2026-10-21
- How proof of insurance is filed
- The insurer files proof of insurance (Form E) with MoDOT Motor Carrier Services. modot.org Β· checked 2026-10-21
All authorized carriers must maintain proof of insurance (Form E) on file with MCS.
- Also worth knowing
- Missouri charges an annual $10 per power unit license fee when a carrier is not required to join the UCR program. modot.org Β· checked 2026-10-21
An annual license fee of $10 per power unit is required if a carrier is not required to participate in the Unified Carrier Registration program.
Truck Types We Insure in Missouri
Missouri Truck Insurance FAQ
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