Missouri Trailer Insurance
Get a full analysis of Missouri trailer insurance costs, coverage, and companies.

Find the Best Trailer Insurance Options in Missouri
Cargo trailers, flatbed trailers, recreational trailers, horse trailers, and other types of trailers fill Missouri's highways and roadways daily. If you already have a trailer or you're considering purchasing one, it's important to know whether or not you need trailer insurance.
For help finding the right trailer insurance, contact a local independent insurance agent. An independent agent can get quotes from multiple insurance companies so you can choose the policy that best fits your needs and budget.
What Are the Best Trailer Insurance Companies in Missouri?
There are many options for trailer insurance in Missouri. How can you make the best choice?
The following are some of the best trailer insurance companies in Missouri. They are highly rated for their mix of valuable coverage offerings and competitive pricing.
- Progressive: Progressive is based in Ohio but offers trailer insurance across all 50 states, including Missouri. Missouri residents can look to Progressive for most of their personal insurance needs.
- Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including trailer insurance, in all 50 states.
- Travelers: Travelers offers highly rated trailer insurance in Missouri. It can meet your additional personal insurance needs with a full line of products including auto, boat, identity theft, umbrella, and other coverages.
An independent insurance agent in your area can help you learn more about these and other Missouri trailer insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.
What Is Trailer Insurance?
Typically, a car insurance policy will extend liability insurance to a trailer. This means that if you're at fault for an accident while towing your trailer, your car insurance provides bodily injury liability coverage and property damage liability coverage.
Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.
Most insurance companies, however, have varying rules on what types and sizes of trailers they will and will not cover as an extension of a car insurance policy. If your car insurance doesn’t cover your trailer, if the trailer’s contents are critical to you or your business, or if you simply want physical damage coverage for your trailer, you'll need to buy a separate trailer insurance policy.
Trailer insurance typically covers any vehicle that can’t power itself and relies on another vehicle to move it from place to place. Whether you use a trailer to haul supplies for work, transport livestock, for recreation, or to haul yard waste, you’ll likely want trailer insurance coverage.
In addition to providing liability coverage, trailer insurance will typically provide physical damage coverage and other types of optional coverage that you might need depending on your needs.
A local independent insurance agent can help you understand what type of trailer insurance you need.
What types of trailers are covered by trailer insurance?
Most types of trailers can be covered with trailer insurance, but your coverage needs may vary. Here are some of the most common kinds of trailers covered by trailer insurance in Missouri:
- Conventional trailers (e.g., recreational trailers, travel trailers, boat trailers, and snowmobile trailers)
- Pop-up trailers
- Truck campers
- Fifth-wheel trailers
- Horse trailers
- Toy haulers (i.e., trailers that haul things like motorcycles, ATVs, cars, and golf carts)
- Cargo or utility trailers
An independent insurance agent in your area can make sure you get the right coverage for your particular trailer and how you use it.
Is Trailer Insurance Required in Missouri?
Although Missouri does not require you to carry trailer insurance, the following types of trailers are subject to license and registration. Therefore, it's a good idea to find insurance coverage for them, as well:
- Homemade trailers
- Kit trailers
- Farm wagons
- Boat trailers
- Utility trailers
- Flatbed trailers
- Semi-trailers
- Livestock trailers
- Camping trailers
In many cases, the liability coverage in your car insurance policy will extend to your trailer.
Remember that if you have taken out a loan to purchase your trailer, your lender will likely require you to purchase additional coverage.
An independent insurance agent can help you make sure you're complying with all of the car and trailer insurance regulations in Missouri.
What Does Trailer Insurance Cover in Missouri?
Trailer insurance policies in Missouri typically offer the following types of coverage:
- Liability coverage: If you want the bare minimum coverage for your trailer, you'll want liability coverage. Bodily injury and property damage liability coverage allow you to reimburse another party if you injure them or damage their property in an incident involving your trailer.
- Collision coverage: This optional coverage provides reimbursement for physical damage to your own trailer if it's involved in a collision, regardless of fault.
- Comprehensive coverage: This is another optional coverage that protects your trailer in the event of a non-collision incident, such as theft, vandalism, hail, natural disasters, and more.
You can also add contents coverage to your trailer insurance. If you’re using a trailer to transport valuable items, this can help you recover if the contents of your trailer are damaged.
You may need additional coverage depending on how you use your trailer.
An independent insurance agent can make sure that your Missouri trailer insurance policy covers all the bases.
What Does Trailer Insurance Cost in Missouri?
The cost of trailer insurance in Missouri depends on several factors, including but not limited to the following:
- Type of trailer
- Length and width of the trailer
- How you use the trailer
- How often you use the trailer (i.e., year-round, seasonally, or occasionally)
- Your location
- Your age
- Your driving history
- Level of coverage you need
- Whether you purchase any optional coverage
It's always best to shop around when looking for the best price on Missouri trailer insurance. An independent insurance agent can get quotes from multiple insurance companies so you can choose the best option for your needs and budget.
How to Find the Best Trailer Insurance Quotes in Missouri
Instead of getting an online quote for Missouri trailer insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Missouri Trailer Insurance FAQs
Trailer insurance is not required by law in Missouri. Car insurance, however, is required by law, and in most cases, the liability coverage in your car insurance policy will extend to your trailer.
It's not always that simple, however. If you have a loan on your trailer, your lender may require you to purchase comprehensive and collision coverage for it. And in many cases, you'll want or need to purchase a separate trailer insurance policy that offers additional protections.
Trailer insurance in Missouri typically provides the following types of coverage at a minimum:
- Property damage liability coverage
- Bodily injury liability coverage
- Comprehensive coverage
- Collision coverage
- Contents coverage
There are a variety of other types of optional coverage that you may need, depending on the type of trailer and how it will be used.
The cost of trailer insurance in Missouri varies depending on the type and size of the trailer, how and where it's used, and the driver's personal risk profile. Some of the factors insurance companies use to determine your trailer insurance cost include:
- Type and size of trailer
- Your location
- Your age
- Your driving history
- Level of coverage you need
- Whether you purchase any optional coverage
Safeco, Progressive, and Travelers are some of the best trailer insurance companies in Missouri. They are highly rated for offering broad coverage, top-notch customer service, and a variety of affordable options.
Comparison shopping is the best way to make sure you're getting the best trailer insurance for your needs and budget.
A local independent insurance agent can help you find competitively priced Missouri trailer insurance. Contact an agent in your area to begin comparing customized quotes.
https://dor.mo.gov/motor-vehicle/trailer-titling-registration.html#:~:text=You%20have%2030%20days%20from,the%2031st%20day%20after%20purchase.