The top-rated truck insurance agent in St Joseph, Missouri is Gina Conaway - State Farm Insurance Agent, rated 5.0 stars across 540 reviews. Other highly rated options include Clear View Insurance Specialists, Tolly & Associates Inc American Family Insurance, AIS. This directory lists 20 truck insurance agents serving St Joseph.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Gina Conaway - State Farm Insurance Agent | 3510 Messanie St F | (816) 232-5307 |
| 2 | Clear View Insurance Specialists | 3849 Frederick Ave | (816) 232-7400 |
| 3 | Tolly & Associates Inc American Family Insurance | 2606 N Belt Hwy | (816) 232-8400 |
| 4 | AIS | 2903 S Belt Hwy | (816) 676-2886 |
| 5 | Haley Black - State Farm Insurance Agent | 1504 S Riverside Rd | (816) 396-0715 |
| 6 | Shelter Insurance - Dana Oerman | 6412 King Hill Ave | (816) 238-1450 |
| 7 | Farmers Insurance - Richard Bolton | 303 Illinois Ave | (816) 238-4444 |
| 8 | Buchanan County Mutual Insurance Company | 1004 S Belt Hwy | (816) 232-0933 |
| 9 | A & T Turner Insurance | 2606 St Joseph Ave | (816) 408-3914 |
| 10 | Sunshine Cover Insurance Co | 805 S Belt Hwy | (816) 281-5993 |
Gina Conaway – State Farm Insurance Agent serves the St. Joseph, MO metro area with tailored truck insurance solutions. The agency understands the unique coverage needs for commercial vehicles, whether for local delivery fleets or long-haul operations in northwest Missouri. They assist clients in assessing liability, cargo, and physical damage risks. Specific services handled include policies for both owner-operators and small trucking companies in and around St. Joseph.
Trucking businesses and fleet operators in St. Joseph, MO, turn to Clear View Insurance Specialists for their commercial truck insurance agent services. They assist with securing liability, physical damage, and cargo coverage tailored to local hauling operations. The agency also guides clients through regulatory compliance requirements common to the transportation industry. Coverage solutions extend to operators based in the surrounding Buchanan County area, including the nearby community of Savannah.
Tolly & Associates Inc American Family Insurance serves St. Joseph, Missouri, and its surrounding communities, handling truck insurance needs for local owner-operators and commercial fleets. It provides coverage tailored to the unique risks of the transportation industry, including liability, cargo, and physical damage protection. The agency uses a straightforward consultation process to assess each client’s specific routes and equipment, then matches those needs with appropriate policy options from its carrier.
AIS offers a comprehensive range of truck insurance services in the St Joseph, MO area, including policy evaluations and coverage adjustments for commercial vehicles. Its service plans focus on helping clients maintain proper liability and cargo protection throughout the year. The agency works with local fleets and independent operators to ensure their insurance needs are met consistently. As part of its offerings, AIS assists with properties such as single-family homes, apartments, retail locations, and restaurants.
Haley Black, as a State Farm Insurance agent in St. Joseph, MO, distinguishes between one-time truck insurance policies for single hauls and recurring annual plans that provide continuous coverage for regular routes. Her agency offers tailored liability, cargo, and physical damage protection designed for local and regional commercial trucking operations. Policies can cover a single vehicle or an entire fleet, with flexible deductibles to match different operational budgets. Service appointments for quotes, claims assistance, or policy updates are available on an as-needed basis.
Shelter Insurance - Dana Oerman specializes in providing tailored coverage for commercial trucks and fleets in the St Joseph, MO area. The agency also assists local drivers with standard personal auto and commercial vehicle policies. Understanding the unique risks of hauling machinery or livestock on Midwest highways, the office helps businesses maintain essential liability protection. During winter ice storms or peak harvest seasons, this agent addresses sudden increases in cargo risk and roadside assistance needs to keep operations running safely.
As winter weather approaches St. Joseph, truck operators need reliable coverage for their rigs on icy roads. Farmers Insurance - Richard Bolton serves as a truck insurance agent in this area, helping drivers select appropriate policies for their commercial vehicles. He works with clients to assess their specific cargo, mileage, and operational needs. The process begins with a no-obligation review of current coverages and a discussion of liability limits. An initial inspection of the equipment is then scheduled to finalize a policy quote.
Buchanan County Mutual Insurance Company serves residential clients in St Joseph, Missouri, with truck insurance policies tailored for local needs. The agency also extends commercial coverage to businesses operating fleets or single vehicles within the region, helping them comply with regulatory requirements. Standard policies address liability and cargo protection for operators traveling through the area. Clients can expect consistent follow‑up service and adjustments to their coverage between regular annual visits, ensuring policies remain current with changing freight routes or vehicle acquisitions.
A & T Turner Insurance is known for providing comprehensive truck insurance agent services in St Joseph, MO. Their work focuses on helping local trucking businesses secure essential liability and cargo coverage. They assist operators in managing Dedicated coverage factors such as fleet size and typical hauling distances. A specialty service they can add on is physical damage coverage for tractors and trailers.
What Does a a Truck Insurance Agent in St Joseph Cost?
Truck insurance costs in Missouri vary widely based on driving history, cargo type, and annual mileage. A typical policy for a single owner-operator can range from 8,000 to 15,000 dollars per year for basic liability. Full coverage with physical damage and cargo insurance may cost 12,000 to 25,000 dollars annually. This is general information and not insurance advice.
About truck insurance agents in St Joseph
Truck insurance agents in St Joseph Missouri help owner-operators and fleet companies meet state and federal insurance requirements. Missouri law mandates minimum liability coverage of 25/50/25 for commercial trucks, but many carriers require higher limits. Local agents understand the specific needs of hauling through the I-29 and US-36 corridors.
Frequently Asked Questions
What are the minimum insurance requirements for a truck in Missouri?
Missouri requires commercial trucks to carry at least 25,000 dollars for bodily injury per person, 50,000 dollars per accident, and 25,000 dollars for property damage. Trucks hauling hazardous materials or operating interstate may need higher limits under federal regulations.
Do I need a special license to sell truck insurance in Missouri?
Yes. Truck insurance agents in Missouri must hold a valid property and casualty insurance license issued by the Missouri Department of Commerce and Insurance. Agents also need to complete continuing education credits to maintain their license.
How does Missouri law affect truck insurance claims?
Missouri follows a pure comparative fault rule, meaning you can recover damages even if you are partially at fault. However, your award is reduced by your percentage of fault. The statute of limitations for filing a truck accident lawsuit in Missouri is five years from the date of the accident.
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