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.
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.
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:
Like most states, Missouri requires a minimum amount of liability insurance.
| Coverage Type | Minimum Requirement in Missouri |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Personal Injury Protection (PIP) | No |
| Uninsured Motorist (UM) | No |
| Underinsured Motorist (UIM) | No |
| Other Mandated Coverages | No |
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:
GEICO offers commercial auto insurance in Missouri for the following types of vehicles:
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.
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.
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.
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.