Are you looking for a Texas Commercial Truck Insurance Quote? How about 3 quotes?
Compare TX Truck Insurance Quotes
To get the best deal on your semi truck insurance you need to shop around. Let us help by bringing you three Texas Truck Insurance Agents that will compete for your business.
Just fill out our short online form and you’ll get three competitive quotes from three top agents in TX. Easy!
How Much Does Truck Insurance Cost In Texas?
The average cost for commercial truck insurance in TX is $13,606.
Most premiums range from $11,540 to $15,546.
These cost estimates are based on truckers with one truck operations who need insurance for liability, cargo and physical damage. There are several variables that drive the cost such as: what you are hauling, your driving history, and how long you have been in business.
2 Real Examples Of Truck Insurance Costs In TX
1 Truck Based in Haslet
| Experience | Over 3 Years |
|---|---|
| Radius | Interstate, Unlimited Miles |
| Cargo | General Freight, Metal, Motor Vehicles, Logs, Building Materials, Machinery, Intermodal, Oilfield Equipment |
| Operation | For Hire |
| Premium | $12,261/yr |
1 Truck Based in Frisco
| Experience | New Venture |
|---|---|
| Radius | Interstate, Unlimited Miles |
| Cargo | General Freight, Motor Vehicles |
| Operation | For Hire |
| Premium | $14,901/yr |
Perhaps the largest variable for what you will pay is the insurance company that you choose. For truck insurance, it’s common for prices to vary by thousands of dollars for the same trucker! We’ve seen differences that can even be over $10,000 for the same operation.
You can’t control how long you’ve been in business, but you can control what insurance company you choose.
It makes sense to compare prices. Our service makes it easy to get quotes from different companies, so you can zero in on the best coverage and cost combination for your trucking business. Compare quotes and lower your insurance costs here.
3 Truck Insurance Agents in Texas
You need to shop more than one agent to get the right coverage at the best price. It’s hard to find agents that write trucking insurance though. We’ve done that and located three truck insurance agents in TX. With three agents quoting your policy you will have much broader access to the whole market of truck insurance companies. The agents will work hard to write your policy, but only one will emerge the champion.
Shopping for truck insurance has never been this efficient. Don’t waste your time hunting down three agents. Instead, let them come to you. Let’s get started!
Commercial Truck Insurance Companies in Texas
Finding the best trucking insurance company in TX for your outfit can result in huge savings. Some of the companies with the best prices can be difficult to find though.
The companies below write 77% of the truck insurance polices in TX.
Top 10 Truck Insurance Companies in TX
- Canal
- Great West
- Hallmark
- National Casualty Company
- National Indemnity
- Northland
- OOIDA
- Progressive
- Qualitas
- United Wisconsin Insurance
There are also over a dozen truck insurance carriers in TX that have the remaining 23% marketshare.
You do have choices when it comes to your insurance and we can help you. It’s just a matter of smart comparison shopping to get the best combination of prices and coverage.
Compare quotes from different companies here.
Trucking Ins. Coverages
Texas and the FMCSA have specific insurance requirements for semis. If you have your own authority and are for-hire, some coverages are mandatory, like primary liability. If you are a leased owner operator, you may be looking for physical damage truck insurance, bobtail coverage, and non trucking liability.
No matter what type of coverage your operation needs, it pays to get quotes from multiple truck insurance brokers. Click on a coverage below to learn more about it, then fill out our short form to get your quotes.
Texas Truck Insurance Requirements
Texas law requires local truckers and new ventures to keep a certain amount of liability insurance. How much you need is determined by the type of freight you pull and where you haul it. If you don’t cross state lines and your truck is more than GVW, you must get a TXDMV Number and keep a minimum amount of liability insurance:
| $300,000 | Liability Insurance (Household Goods) |
| $500,000 | Liability Insurance (General Freight) |
| $1,000,000 | Liability Insurance (Oil Transport) |
| $5,000,000 | Liability Insurance (Hazmat) |
| $5,000/vehicle and $10,000/catastrophe | Cargo Insurance (Intrastate household goods movers and interstate contract carriers) |
The insurance requirements for truck drivers who leave the state go into further detail. In addition to the above, you must meet all the semi truck insurance requirements laid out by the federal government. Most federal liability limits are $750,000 or $1,000,000.
Both Texas and the FMCSA require certain filings be submitted by your insurance agent. Your insurance agent or insurance company should take care of these filings for you. These forms show the government that all your DOT truck insurance requirements are fulfilled. They must be submitted before you can receive your authority. Some common forms include:
- Form H
- The BMC-99
- Form MCS-98
- Form E
Specialized Insurance for Owner/Operators in Texas
Trucking companies are very diverse, each with unique needs. Whatever type of operation you have, we can help. Our agents should be able to find cheaper truck insurance no matter what type of operation you have.
Handy Texas Trucking Resources
Texas Department of Transportation
Texas Department of Motor Vehicles
Your Business is Unique
You might be a local or a long hauler, a new venture or hotshot. You may be a leased owner operator from Houston or a fleet manager in Dallas. Maybe you haul hazardous materials or cotton. All that to say, no two trucking companies are alike. Your insurance policies need to be put together just for you.
Since different truck insurance companies prefer different types of risks, it’s smart to shop around and find a company that is competitive with writing insurance for your specific situation. The bottom line is that you want cheap truck insurance without sacrificing coverage.
Get 3 Competitive quotes in all Texas cities
No matter what city you live in our network of Texas truck insurance agencies are ready to quote and compete for your business. We cover all cities including…
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We also can give you multiple quotes in the neighboring states as well: NM, OK, LA, AR
