Texas Trucking Insurance
Texas is one of the largest trucking markets in the country, with major freight corridors along I-10, I-20, I-35, and I-45 connecting the Gulf, the Mexican border, and the rest of the lower 48. We write commercial trucking coverage statewide — from owner-operators based in El Paso to fleets running out of the Port of Houston.
What matters for trucking insurance in Texas
- I-10, I-20, I-35, and I-45 carry some of the densest commercial freight traffic in North America.
- Border crossings at Laredo, El Paso, and Pharr create unique insurance and FMCSA filing needs.
- Texas issues more new MC authorities than any other state — and we specialize in helping new ventures get bound at competitive rates.
How trucking insurance works
Trucking insurance is its own world. Owner-operators, motor carriers, and fleets in Texas have to satisfy FMCSA filings, state requirements, broker and shipper certificate requests, and lender requirements on the truck and trailer — all at once. The right policy covers your legal liability, your equipment, the cargo you're hauling, and the gaps that open up when you're bobtailing or under dispatch for someone else's authority. We work with owner-operators leased on, those running under their own MC number, and small fleets across Texas's major corridors.
Primary auto liability
Federally required for any truck running for hire — minimum $750,000 for general freight, $1M+ for many shippers and brokers. Pays for bodily injury and property damage you cause to others in a covered accident.
Motor truck cargo
Covers the freight you're hauling against loss or damage. Most brokers and shippers require at least $100,000 in cargo coverage; refrigerated and high-value freight often need more.
Physical damage
Pays to repair or replace your tractor and trailer after a covered loss — collision, fire, theft, vandalism, weather. Required by virtually every truck and trailer lender.
Non-trucking liability (bobtail)
Covers an owner-operator's liability when driving the truck for non-business purposes (no dispatch, no load) under someone else's motor carrier authority. Inexpensive, often required by the carrier you're leased to.
Want the full coverage breakdown, exclusions, and FAQ? Read the trucking insurance guide →
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