Commercial Auto Insurance in Texas
Protect Your Business on the Road
If your business relies on vehicles—whether it’s a single truck or an entire fleet—commercial auto insurance is essential. In Texas, where highways are busy and logistics drive the economy, having the right coverage protects your company from costly accidents, liability claims, and unexpected losses.
Why Texas Businesses Need Commercial Auto Insurance
Operating in Texas means navigating long routes, unpredictable weather, and heavy traffic. From Dallas to Houston, Austin to San Antonio, commercial vehicles face daily risks. A strong policy ensures your business stays protected and compliant with state laws.
Common Industries That Benefit:
- Trucking and logistics
- Construction and contracting
- Delivery and courier services
- Real estate and property management
- Landscaping and maintenance
What Commercial Auto Insurance Covers
A Texas commercial auto policy can include:
- Liability Coverage: Protects against bodily injury and property damage if your driver causes an accident.
- Physical Damage Coverage: Covers repairs or replacement for your business vehicles after collisions, theft, or vandalism.
- Uninsured/Underinsured Motorist Coverage: Protects your business if another driver doesn’t have enough insurance.
- Medical Payments Coverage: Helps pay medical expenses for drivers and passengers after an accident.
- Hired and Non-Owned Auto Coverage: Extends protection to vehicles your employees use for business but don’t own.
Texas Commercial Auto Insurance Requirements
Texas law requires all vehicles to carry minimum liability coverage:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident
However, commercial motor carriers registered with the Federal Motor Carrier Safety Administration (FMCSA) must meet higher minimum insurance limits based on FMCSA requirements. These federal minimums vary depending on the type of cargo, vehicle weight, and passenger capacity, and include:
- $750,000 minimum for general freight carriers
- $1,000,000 minimum for carriers hauling hazardous materials
- $5,000,000 minimum for carriers transporting certain highly hazardous materials
These FMCSA limits are mandatory for interstate commerce and motor carriers operating across state lines, ensuring adequate financial responsibility for commercial vehicles. Texas businesses operating commercial vehicles should verify both state and federal requirements to maintain compliance and proper coverage
How Much Does Commercial Auto Insurance Cost in Texas?
Rates depend on several factors:
- Type and number of vehicles
- Driving records of employees
- Coverage limits and deductibles
- Business location and industry
Companies in high-traffic areas like Dallas, Fort Worth, and Houston may pay slightly more due to increased risk. Working with a local agent helps you find competitive rates tailored to your business.
Why Choose One Choice Insurance
At One Choice Insurance, we specialize in helping Texas businesses find affordable, reliable commercial auto coverage. We understand the unique challenges of operating in the Lone Star State—from trucking routes to small business fleets.
What We Offer:
- Fast, same-day quotes
- Flexible payment options
- Coverage for all vehicle types
- Personalized support from Texas-based agents
Get a Free Commercial Auto Quote Today
Protect your business vehicles and your bottom line. Whether you’re based in Dallas, Garland, Rowlett, or anywhere in Texas, we’ll help you find the right coverage at the right price.
Call One Choice Insurance today 214-702-0046 or fil out the form below to get your instant quote.