Texas Commercial Truck Insurance
Same-day quotes. Fast COIs. FMCSA & TX filings handled so you can stay on the road.
Trusted by Texas owner-operators, hotshots, box trucks, and fleets — multi-carrier quotes, filings handled, claims guidance.
Coverages We Write in Texas
Customized for your operation, whether you run interstate or intrastate only.
Primary Auto Liability
$750k–$2M+ per occurrence for for-hire carriers; higher where shippers require. We handle MCS-90/BMC-91X for interstate and Form E for TX intrastate.
Non-Trucking Liability
Covers you off-dispatch/not hauling business cargo. Doesn’t replace primary auto liability while under load or on dispatch.
Short Term Liability
Coverage for 1–5 days only, designed for newly acquired trucks that need temporary insurance. Ideal for moving units, shop runs, or until permanent coverage is bound.
Motor Truck Cargo
Typical limits $100k–$250k. Options for reefer breakdown, earned freight, debris removal, and unattended truck warranties.
Physical Damage
Protects your unit for stated amount. Deductible choices, gap/loan-lease, downtime/rental reimbursement, and OEM parts options.
General Liability
Commonly $1M / $2M for premises/operations & products-completed ops. Endorsements: AI, Primary & Non-Contributory, Waiver of Subrogation.
Trailer Interchange
Covers non-owned trailers under an interchange agreement. Pick per-trailer limits; add non-owned trailer physical damage if needed.
Excess / Umbrella
Adds $1M–$5M+ over Auto Liability, CGL, and (where eligible) Employers Liability to meet shipper/landlord contract requirements.
Texas Minimum Insurance Requirements (Intrastate)
Texas intrastate CMVs must meet TxDMV minimum Commercial Auto Liability limits.
Household goods carriers GVWR ≤ 26,000 lbs
Minimum: $300,000 CSL
Commercial motor vehicles & household goods GVWR > 26,000 lbs
Minimum: $500,000 CSL
Note: Federal filings still apply to interstate carriers and certain hazmat classes. We’ll help you determine what applies to your operation.
Filings & Compliance We Handle
We coordinate with carriers to file what the state and FMCSA require.
MCS-90 — Public liability endorsement for interstate carriers.
BMC-91/91X — FMCSA proof of financial responsibility.
Form E — Certifies intrastate liability limits meet Texas rules.
Form H — Cargo liability filing where required (e.g., household goods).
UCR — Unified Carrier Registration for interstate operations.
TxDMV Intrastate Operating Authority (TxDMV Number via eLINC) — Guidance and support through setup.
COIs — Shipper/broker certificates issued fast—often same day.
What Does Texas Truck Insurance Cost?
Premiums vary by operation. Typical drivers with clean records may see ranges shaped by:
Driving record & loss history
Vehicle type, value & safety tech
Primary garaging ZIP & radius
Cargo type (hazmat, autos, reefer, etc.)
Years CDL & driver pool experience
Coverage limits & deductibles
We price across multiple A-rated and B-rated carriers to find your best fit and available discounts (ELD/telematics, paid-in-full, experience, safety programs).
Serving All of Texas
From I-10 to I-35 to the Permian—fast help where you run.
Houston • Dallas • San Antonio • Austin • Fort Worth • El Paso • Arlington • Corpus Christi • Plano • Laredo • Lubbock • Garland • Irving • Amarillo • Grand Prairie • Brownsville • McKinney • Frisco • Pasadena… and everywhere else.
Texas Truck Insurance FAQs
POPULAR TRUCKING PRODUCTS
Why Choose A Truck Insurance Agency
Trucking-specific forms and endorsements that match shipper/landlord wording
Fast additional insured certificates (AI), primary & non-contributory, waiver of subrogation
Clear risk guidance for docks & yards, flexible limits, umbrella coordination
Multi-carrier market access for owner-operators, motor carriers, and fleets
Ready to roll in Pennsylvania?
Get a custom quote and we’ll handle the paperwork—COIs and filings included.