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Commercial Truck Insurance in Texas

Commercial trucking insurance in Texas, like any other state, is a necessity for a business that relies on trucks to transport goods. The cost of commercial truck accidents can be extremely high, and it's important to have the right coverage in place before anything happens.

Find the policy that covers your needs

Find the policy that covers your needs

There are many different types of policies available, so you'll want to find one that covers your needs without breaking the bank. Speak with an agent today for more information about what you need and how much it will cost!

Protect Yourself From Problems Such As:

Accidents and physical damage to Texas trucks

Bodily injury and property damage to others

Uninsured and underinsured drivers

Damage, destruction, or loss of cargo

woman driving a commercial vehicle in Texas

How Do I Find a Commercial Trucking Insurance Agent in Texas?

We connect you with a local agent who is right for you, based on your unique commercial trucking insurance needs. Our agents are easy to work with, experienced professionals who will find the best plan for your commercial trucking business.

Types of Commercial Trucks and Trailers We Protect in Texas

Long-haul tractor trailers

Large fleets requiring scheduled vehicles, mileage-based, or receipts policies


Local and short-haul trucks

Hazmat, dump, and tow trucks

Leased trailers

Terminal and container yard

Trailer interchanges

FAQ About Commercial Trucking Insurance in Texas

How do I know if I need commercial trucking insurance in Texas?

You need commercial trucking insurance if you own a business and use trucks to move or transport goods. This is a legal obligation for any company that depends on trucking for its operations. You need to have the right types of coverage in place so you are prepared if something unexpected happens.

What is the Texas minimum for commercial truck insurance?

You will need to carry a minimum liability limit of $30,000 per person and $60,000 per accident for bodily injury. You will also need a minimum of $25,000 for damage to property. The exact amount you will need to carry is based on a variety of factors including: whether your business transports hazardous materials, how many miles you drive per year, and what types of vehicles and trailers you use for transporting goods.

Do you offer commercial dump truck insurance in Texas?

Yes, World Insurance provides coverage for commercial dump trucks in Texas. This includes liability insurance that protects you against lawsuits and property damage in the event of an accident.

Do you offer Texas tow truck insurance?

Yes, we offer insurance for tow trucks in Texas. This type of truck is used to move or transport vehicles, which can cause accidents if not used properly. Make sure you are prepared and have the right amount of coverage in place before recovering cars or transporting other objects. We're happy to help with this.

How much insurance does my commercial truck need in Texas?

The amount of insurance a Texas commercial truck needs varies by truck. We cover everything from box trucks to 18 wheelers. We can provide a more accurate estimate once you contact us with information about your business, number of trucks, drivers and other necessary details.

Does commercial trucking insurance cover my trailer, too?

Yes, our commercial truck insurance has provisions for protecting the vehicle and trailer from physical damage, upset, overturning, fire, theft, and vandalism.

How long will a claim affect my commercial trucking premium?

A claim will impact your premium for three years.

If I am just starting my commercial trucking business in Texas, what coverages do I need?

The most common policies to start with include one million dollars in liability, physical damage, and one hundred thousand dollars in cargo and non owned trailer coverage.

If I buy a truck in the middle of my policy term, does it get insured on the same policy or does it get a new separate policy?

Midterm truck purchases are always added to the existing policy. In most cases, you’ll have to make a down payment for the coverage and then the balance is added to your existing monthly payments.

How long will a claim affect my commercial trucking premium?

Yes, we do have commercial trucking insurance agents who are fluent in Spanish.

Get started with your commercial truck policy

Contact World Insurance today to make sure all required coverages are in place. We'll help you compare commercial truck insurance quotes from different insurance providers.