Texas Commercial Truck Insurance Quotes
Last reviewed August 2026 by the Trucking Insurance Services team.
Texas is not one trucking market. It is half a dozen of them, and the policy that fits a frack sand hauler running the Permian looks nothing like the one that fits a box truck running Dallas or a container out of Houston. That’s the whole reason to call an agency that writes Texas every day instead of buying whatever comes back first. Trucking Insurance Services is independent, trucking is all we do, and we put A-rated carriers in competition for your business. Most Texas quotes go out the same business day, and we handle the TxDMV filing that gets you legal.
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Your Texas quote, start to finish
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or call 855-281-2924 Same-day quotes. A real person answers the phone. |
Starting a new trucking authority in Texas
Getting your first authority insured is the step that stops a lot of people, and it should not. We write with multiple markets that quote new ventures the same day, so you are not waiting a week to find out whether you can afford to start. See new venture truck insurance for how a first-year policy gets built.
Here is one thing worth knowing before you see your first Texas quote, because it surprises people. Most new ventures in Texas start out with a radius restriction, and it’s not a judgment on you. It’s a judgment on the map. Texas is big enough that an intrastate run can put on the miles of a cross-country trip, so carriers want to see how you operate before they open the radius up. Once you have established operations behind you, most of those restrictions come off. We will tell you up front what your radius will look like in year one and what it takes to lift it.
That’s the pattern with new ventures generally: the first year costs more and comes with more conditions, and both improve as you build clean history. Because we are independent, we shop your risk across every market that fits it and bring you the best price on the table rather than the only price we happen to sell. Then we tell you what is coming around the corner, so you know what your renewal should look like instead of finding out. We are not just an agency. We are a business partner.
Have these five things handy and we can move fast:
- Your USDOT and MC number, or just tell us you are a brand new authority.
- VIN, year, and value for each truck and trailer.
- Driver list with CDL information. Two years of clean history helps your rate.
- What you haul and how far you run, and the county the truck is garaged in.
- Your current declarations page, if you are switching from another policy.
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New authority? We can quote it today.
or call 855-281-2924 and talk it through. |
Why Texas truckers put us to work
Our founder owned a small fleet before she ever sold a policy. She started where the road meets the rubber, with a tractor and a trailer, and opened Trucking Insurance Services in 2007. That’s why this agency speaks truck first and insurance second, and it is why we have spent roughly two decades writing nothing but trucking.
- Carriers compete for you. We are independent and licensed in 45 states, so your risk goes to every A-rated market that fits it.
- Real intermodal capability. We offer the Progressive UIIA program in Texas and place through dozens of UIIA markets, which is rare for an agency and hard to arrange after the fact.
- Certificates fast. Our processing team turns certificates around in about five minutes, with the special verbiage a broker asks for, so your wheels keep turning.
- A real person, every time. No bots and no phone tree. You get the same agent through every renewal, and we never sell your information.
- Recognized work. We have been named a Progressive Truck 25 Elite agency, one of the top 25 trucking insurance agencies nationally with Progressive, and we are a GEICO Premier Truck Partner.
What Texas truck insurance costs
Texas prices above the national average, and what you actually pay depends far more on what you run than on the state line. Here is what we are seeing across the Texas policies we write, and the one factor that moves each number most.
| Operation | Typical cost | Biggest rate factor |
|---|---|---|
| Semi truck | $1,250 to $2,085/mo ($15,000 to $25,000/yr) |
Radius and driving records |
| Box truck | $1,000 to $1,665/mo ($12,000 to $20,000/yr) |
Contract requirements and radius |
| Hotshot | $1,000 to $1,665/mo ($12,000 to $20,000/yr) |
Cargo type and how far you run |
| Dump truck | $1,415 to $2,415/mo ($17,000 to $29,000/yr) |
Garaging county and experience |
| Frack sand and oilfield material | $1,665 to $2,500/mo ($20,000 to $30,000/yr) |
Lease-road exposure and driver experience |
| Reefer | $1,335 to $2,165/mo ($16,000 to $26,000/yr) |
Cargo limits and breakdown coverage |
| Cargo van | $665 to $1,335/mo ($8,000 to $16,000/yr) |
Vehicle value and radius |
Ranges reflect policies our agency writes for Texas-based operations. On physical damage the number follows your equipment value rather than a flat price, normally 3% to 12% a year, so a $50,000 truck runs roughly $1,500 to $6,000. Published averages are useful for planning and nothing more. A real quote against a real motor vehicle record is the only number that counts.
What influences your rate
In Texas, where you are based is one of the biggest levers on the whole policy, and it’s worth understanding because it works both ways. Claims cost is not spread evenly across the state. A truck garaged in the Panhandle or out in East Texas generally prices better than the same truck garaged in Harris, Tarrant, or Dallas County. If you are in the metros, that is exactly where knowing which market prices your county most kindly earns its keep, and it is what we do for a living.
- Where the truck is garaged. County matters more in Texas than in most states, and it is the first thing we look at.
- Motor vehicle records. Your drivers’ history moves the number more than almost anything else on the list.
- DOT safety scores. Clean CSA scores open doors to markets that will not look at a troubled profile, and several of the best Texas markets are score-driven.
- Radius. Texas is large enough that intrastate can mean serious miles, so your radius carries real weight here.
- Time under authority. Rates ease meaningfully once you have clean operating history, and radius restrictions usually lift with it.
- Equipment value and deductibles. Both are levers you can adjust with us at quote time.
- Loss history. A clean few years is worth real money at renewal.
- The Texas market itself. Claims run more frequent and more expensive here than the national average, which is precisely why putting several carriers in competition matters more in Texas than almost anywhere.
What Texas requires you to carry
Texas asks for more paperwork than most states, and it’s all routine once you know the steps. It comes down to one question: do you cross the state line?
If you run interstate
Federal minimums apply and your insurer files proof of coverage with the FMCSA on a BMC-91. These are the limits we file most often, and the second column is the number that actually decides whether a broker gives you the load.
| Operation | Federal minimum | What brokers actually require |
|---|---|---|
| General freight | $750,000 | $1,000,000 |
| Hazardous materials | $1,000,000 to $5,000,000 | Matches the federal tier |
| Motor truck cargo | Not federally required | $100,000 standard |
| Trailer interchange (UIIA) | Not federally required | Set by the equipment provider |
If you run Texas only
This is where Texas differs from a lot of states, and it is worth getting right the first time. Intrastate carriers register with the TxDMV Motor Carrier Division for a TxDMV Number, and Texas requires a Form E, which is the state filing that proves you carry liability coverage. Your insurer files it electronically in the TxMCCS system, and it has to stay active the entire time you are operating. The state charges $100 for the filing. If you run only inside Texas you also register with USDOT as an intrastate carrier rather than interstate.
The minimum for a private or for-hire motor carrier over 26,000 pounds is $500,000. Household goods carriers under 26,000 pounds are set at $300,000. But here is the number that matters more: $500,000 makes you legal and $1,000,000 makes you hireable. Brokers and shippers want to see seven figures on the certificate, so that is what we quote most Texas clients at, and it keeps every load on the board open to you. We handle the Form E filing as part of binding your policy.
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Call 855-281-2924 or start your quote online. We will confirm your limits and file your Form E. |
Built for how Texas actually trucks
Texas runs more kinds of freight than any state in the country, and a policy built for one of them will not hold up under another. These four are the bulk of what we place here.
Oilfield and frack sand
Oilfield hauling is its own world, and a lot of agencies will not touch it. We will. Frack sand and oilfield material work puts trucks on lease roads, at wellsites, and on schedules that regular freight never sees, and it prices accordingly. It also rewards experience more than almost anything else we write: an operator with real oilfield history and clean records gets access to markets a newcomer does not. Tell us where you run and who you haul for, and we will find the market that wants it.
Drayage and UIIA container work
Pulling containers means the equipment provider sets the terms, and you need the interchange coverage in place before they will hand you the box. We offer the Progressive UIIA program in Texas and place through dozens of UIIA markets, which is genuinely rare for an agency. That means intermodal insurance with trailer interchange and non-owned trailer coverage built in from the start. Our guide to UIIA insurance requirements walks through what the UIIA checks for.
Dry van and box truck
The steady freight. Dry van and box truck operations running the Texas triangle and out to the rest of the country are the bread and butter of a lot of our Texas book. What shapes these policies is usually the contract: who you haul for, what limits they demand on the certificate, and how far you run. Bring us the contract and we will build to it.
Flatbed and dump for construction and energy
Texas builds constantly, and flatbed and dump truck work follows the construction and energy money around the state. Open-deck freight puts your load in the weather and in plain view, which changes what your motor truck cargo coverage has to do, and general contractors usually want more coverage than the state minimum before you pull onto the job site. We build the policy so you can say yes to the work.
Which carriers compete for Texas truckers?
As an independent agency we quote every market that fits, but these are the ones winning Texas business, and where each one is strongest. The right answer changes with your operation, which is the entire point of shopping it.
| Carrier | Strong fit in Texas for |
|---|---|
| Progressive | New ventures and the broadest vehicle appetite, including new venture UIIA |
| GEICO | New ventures, though it restricts certain operations |
| Canal | UIIA coverage and mileage programs for owner-operators and emerging fleets |
| Crum & Forster | Mature, established operations hauling dry van or flatbed |
| Nirvana | Telematics-driven pricing for established Texas businesses |
| Cover Whale | New ventures, and particularly strong on dump trucks |
| Berkley Small Business | Established dump truck and long-haul operations with strong safety scores |
Frequently asked questions
How much is commercial truck insurance in Texas?
It depends on what you run. A semi typically lands between $15,000 and $25,000 a year, a box truck or hotshot between $12,000 and $20,000, a dump truck between $17,000 and $29,000, and frack sand or oilfield material work between $20,000 and $30,000. Cargo vans start around $8,000. The table above breaks each one down along with the factor that moves it most.
Do I need a Form E in Texas?
Yes, if you run intrastate. Texas is one of the states that requires a Form E, which is the filing that proves to the TxDMV that you carry liability coverage. Your insurer files it electronically in TxMCCS and it must stay active while you operate. The state charges $100 for it, and we handle the filing when your policy binds.
What is the minimum truck insurance required in Texas?
For a private or for-hire motor carrier over 26,000 pounds running intrastate, Texas requires $500,000. Cross state lines and the federal minimum of $750,000 applies instead. In practice most brokers and shippers want to see $1,000,000 on the certificate, which is what we quote most Texas clients at.
Can I get insured on a brand new authority in Texas?
Yes, and quickly. We write with multiple markets that quote new ventures the same day. Expect a radius restriction in year one, because Texas is big enough that intrastate can mean cross-country miles, and expect it to lift as you build operating history. We will tell you what to expect before you bind.
Do you write oilfield trucking in Texas?
Yes. Frack sand and oilfield material hauling is one of the four operations we place most in Texas. It’s a specialized market and experience counts for a lot, so tell us where you run and who you haul for and we will take it to the carriers that want that business.
How do I find the cheapest commercial truck insurance in Texas?
By putting several carriers in competition for the same risk on the same day, which is exactly what an independent agency does. The market that prices best for a Permian sand hauler is not the one that prices best for a Dallas box truck, and the winner changes with the operation and the county. Let us run yours and find out who wants it most.
Insuring truckers across Texas
We write statewide: oilfield and frack sand operations out of the Permian and the west, container and drayage work around Houston, dry van and box truck fleets running the Dallas and Fort Worth corridor, and flatbed and dump operations following construction and energy work anywhere in the state. San Antonio, Austin, Amarillo, Lubbock, El Paso, the Rio Grande Valley and everywhere between. If your truck is tagged in Texas, we can quote it. We also write tow trucks, auto haulers, and owner-operators, and we handle Amazon Relay requirements for Texas carriers.
Texas lanes spill into the states next door, and we are licensed there too: Louisiana truck insurance, Arkansas truck insurance, and Oklahoma truck insurance.
or call 855-281-2924 Talk to an agent who writes Texas trucking every day. |
Sources: FMCSA (49 CFR 387), Texas Department of Motor Vehicles, TxDOT, Texas Trucking Association, UIIA.
Trucking Insurance Services LLC — 380 Dahlonega St #212, Cumming, GA 30040 — 855-281-2924
Figures are estimates based on the policies we place and current market rates, and are for general guidance only. Your actual premium depends on your record, equipment, radius, garaging location, and limits. Texas filing and minimum-liability requirements reflect the Texas Department of Motor Vehicles Motor Carrier Division; federal limits reflect 49 CFR 387. Get a quote for an exact number.