Texas Commercial Truck Insurance

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Everything’s bigger in Texas — including the trucking industry. With one of the largest freight networks in the nation, Texas truckers play a vital role in moving oilfield equipment, industrial freight, agricultural goods, and retail products across the state and beyond. Major routes like I-10, I-20, I-35, I-45, and US-59 connect major distribution hubs in Houston, Dallas–Fort Worth, San Antonio, and Austin with regional ports, refineries, and border crossings.

Whether you’re an owner-operator, a fleet manager, or a specialized hauler, having the right insurance is crucial to protect your business, drivers, and cargo from costly accidents and liability claims.

At Trucking Insurance Now, we make it easy for Texas trucking professionals to get fast, customized quotes and stay compliant with both FMCSA and TxDMV regulations.

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Quick FactsAverage annual premium$10,000–$18,000 per truckRequired liability (interstate)$750,000 minimum (FMCSA)Common higher limits$1M–$5M for hazmat, oilfield, or high-value freightTop regulatory bodiesFMCSA • Texas Department of Motor Vehicles – Motor Carrier DivisionTop freight corridorsI-10 • I-20 • I-35 • I-45 • US-59 • US-281 • SH-130 

Cities we serve: Houston • Dallas • San Antonio • Austin • Fort Worth • El Paso • Corpus Christi • Laredo • McAllen • Amarillo • Midland • Odessa • Waco • Tyler

Coverage tailored for independent drivers transporting general freight, oilfield equipment, or regional cargo across Texas highways and into surrounding states.

Custom insurance programs for small and large fleets, including CSA monitoring, driver safety programs, and flexible billing options for multi-truck operations.

Coverage for trucks hauling oilfield equipment, water, sand, and petroleum products across West Texas and the Permian Basin — with options for pollution and high-limit liability.

Insurance for hauling steel, pipe, lumber, heavy machinery, and construction materials across rural and urban Texas routes.

Comprehensive coverage for expedited hauls and hot shot operators with pickup and gooseneck setups throughout the state.

Protection for refrigerated goods, including produce, meat, and pharmaceuticals — critical in Texas’s hot climate.

Coverage for dirt, gravel, sand, and aggregate hauls across construction zones in Houston, Austin, and DFW metro areas.

High-limit liability coverage for fuel, oil, and chemical hauls that meets FMCSA and Texas state requirements.

Coverage for towing companies, including on-hook liability, garage keepers, and business auto coverage for roadside and recovery operations.

Protection for last-mile and regional delivery fleets, serving e-commerce, distribution, and logistics operations across the state.

• Intrastate (Texas-only) carriers:
  Must comply with TxDMV and Texas Department of Insurance (TDI) minimums for liability and cargo.
   
• Interstate carriers:
  Must comply with FMCSA regulations, including minimum liability limits and MCS-90 filings.
   
• Workers Compensation:
  Not mandatory for all employers in Texas, but highly recommended for trucking operations with multiple drivers.
   

Typical coverage:

• $750,000 general freight
   
• $1,000,000 fuel/oil transport
   
• $5,000,000 hazardous materials
   

• Hire experienced drivers with clean MVRs
   
• Install GPS tracking and dash cameras
   
• Maintain a regular vehicle inspection program
   
• Bundle liability, cargo, and physical damage policies
   
• Enroll drivers in safety and compliance training programs
   

• Texas Department of Motor Vehicles – Motor Carrier Division
  https://www.txdmv.gov/motor-carriers
   
• Texas Trucking Association (TXTA)
  https://www.texastrucking.com/
   
• FMCSA Texas Field Office
  https://www.fmcsa.dot.gov/
   
• TxDOT Commercial Vehicle Enforcement
  https://www.txdot.gov/
   

Trucking Insurance Now helps Texas truckers stay protected, compliant, and confident — from Houston to El Paso and across the Lone Star State.

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