Commercial Auto Insurance in Missouri

If you own a business in Missouri that relies on vehicles to get the job done, commercial auto insurance from GEICO can help keep you moving forward. Whether you're making deliveries in St. Louis or transporting tools to a job site in Kansas City, our commercial auto coverage is designed to protect your business vehicles, drivers, and bottom line. With competitive rates, flexible policy options, and a fast, easy claims process, it’s simple to get the coverage you need and get back to business.

What is Commercial Auto Insurance in Missouri?

Commercial auto insurance helps protect vehicles used for business purposes. It offers protection for accidents, property damage, and liability claims for company cars, delivery trucks, and more that may not be covered by a personal auto policy. Commercial auto insurance also covers your business vehicle when being used for personal reasons.

Who Needs Commercial Auto Insurance in Missouri?

If your Missouri business relies on vehicles to transport tools, make deliveries, or travel to job sites, commercial auto insurance is a smart investment. Here are some of the most common professions that benefit from commercial auto insurance:

• Electricians, plumbers, and HVAC professionals: Carrying equipment and traveling between job sites is part of the daily routine.
• Carpenters, painters, and other contractors: Commercial trucks and vans often haul tools, ladders, and materials.
• Landscapers and plow services: Equipment-heavy work and seasonal risks make insurance essential.
• Caterers and food vendors: Protect your delivery vans and food trucks while serving customers.
• Long-haul trucking: For businesses that transport goods across Missouri or across state lines.
• Main Street Retailers that make deliveries.
• Restaurants that deliver.

Minimum Missouri Commercial Auto Insurance Requirements

Like most states, Missouri requires a minimum amount of liability insurance.

Optional Commercial Auto Coverages & Add-Ons in Missouri

State-mandated commercial auto insurance coverages are a great place to start, but they may not offer enough protection for your business vehicles. Many business owners choose to add coverages like:

• Collision Coverage: Pays for damage to your vehicle from a collision, regardless of fault.
• Comprehensive Coverage: Covers non-collision incidents, such as theft, vandalism, or weather damage.
• Medical Payments Coverage: Helps with medical expenses for you and your passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver with too little or no insurance.

Types of Vehicles Covered in Missouri

GEICO offers commercial auto insurance in Missouri for the following types of vehicles:

• Business Vehicles: Company cars, SUVs, and pickups used for business errands or deliveries.
• Contractor Vehicles: Work vans and trucks for transporting tools and equipment.
• Delivery & Service Vehicles: Vans or trucks for deliveries, repairs, or client visits.
• Food Trucks & Restaurant Vehicles: Coverage for physical damage to your truck and permanently attached equipment for food trucks, catering vans, and vehicles used for food delivery. However, food spoilage, foodborne illness, product liability (e.g., hot beverages), equipment breakdowns, and allergic reactions are not covered. Food-related illnesses fall under General Liability, as the customer is considered “injured” by the business.
• Heavy Trucks: Includes tractor-trailers, Dump trucks, Box Trucks, flatbeds, and Cargo & Freight vehicles.
• Owner-Operator Trucks: Independently operated trucks or vans, including those leased to a company.
• Non-Trucking Liability: Coverage for trucks when not hauling cargo or under dispatch.
• Specialty Vehicles: Refrigerated trucks, buses, or other unique vehicles as needed.

FMCSA and USDOT Compliance for Commercial Vehicles in Missouri

Most businesses in Missouri with vehicles over 10,000 pounds, those that carry passengers, or those involved in interstate commerce are required to have a U.S. Department of Transportation (USDOT) number. This number identifies your business for safety monitoring, inspections, and audits. You’ll need to register your USDOT number with the Missouri Department of Transportation (MoDOT) and comply with any state-specific commercial vehicle requirements.

Depending on the size and nature of your vehicle, you may also need to comply with Federal Motor Carrier Safety Administration (FMCSA) rules like driver qualification files, hours of service logs, vehicle maintenance records, and drug and alcohol testing for drivers.

Factors Affecting the Cost of Missouri Commercial Auto Insurance

The cost of commercial auto insurance in Missouri depends on factors like the types of vehicles you use, how frequently and how far you drive, and the nature of your work. You'll also see price changes based on driver experience and safety records, business location, and the amount of coverage you choose. GEICO offers commercial auto insurance payment plans to help your business get the coverage it deserves without breaking the bank.

Why Choose GEICO for Missouri Commercial Auto Insurance?

When you choose GEICO, you're backed by one of the most trusted names in insurance. We understand how important your vehicles are to your daily operations, which is why we offer personalized commercial auto insurance policies built to fit your business needs, whether you operate in Springfield, Columbia, or anywhere across the state.

With GEICO, you’ll get fast, efficient claims handling designed to minimize downtime and keep your business running smoothly. From flexible policy options to specialist service, we make it easy to protect your Missouri business on the road.

How to Get a Missouri Commercial Auto Insurance Quote from GEICO

Ready to protect your business vehicles in the Show-Me State? Get a fast, free Missouri commercial auto insurance quote from GEICO today, or contact us for tailored guidance you can trust.