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Protect Your Business Vehicles in Texas

Commercial Auto Insurance in Texas

Texas requires commercial auto insurance for business vehicles. Coverage protects against accidents, theft, and liability claims where personal auto policies fall short.

Quote Texas Insurance is an independent brokerage that compares 65+ carriers; Progressive, Mercury, Kemper, and more, to offer tailored coverage to fit Texas businesses of all sizes. Since 2001, we've helped thousands find the right policy at the best price.

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Texas Commercial Auto Insurance Requirements

Texas law requires every business-owned vehicle to carry minimum liability coverage, commonly referred to as 30/60/25. This means your policy must provide at least:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per accident
  • $25,000 property damage per accident
Set by Texas Transportation Code

Warning: Minimum coverage is rarely enough for Texas businesses. A single accident can exceed these limits — most of our clients carry higher coverage for better protection.

When Do You Need More?

  • Gross Vehicle Weight (GVWR) > 26,000 lbs:
    $500,000 combined single limit required
  • Transporting hazardous materials:
    $5,000,000 in coverage may be required
  • Drivers with a Commercial Driver’s License (CDL):
    Specialized requirements apply

Unsure what applies? Our licensed Texas brokers can help you navigate industry-specific requirements.

What Commercial Auto Insurance Covers

A commercial auto policy is built from several coverage components. Depending on your business needs, your policy may include all of the following or a combination tailored to your specific risk profile.

Liability Coverage: The required core of all Texas commercial auto insurance. Covers injuries and property damage you or your employees cause in accidents, protecting your business from costly lawsuits and medical claims.

Collision Coverage: Covers repairs or replacement of your business vehicle after an accident, regardless of who is at fault. Lenders usually require this if your vehicles are financed or leased.

Comprehensive Coverage: Protects against non-collision events like theft, vandalism, hail, flooding, fire, or falling objects. Essential for Texas businesses that park vehicles outside where severe weather is a regular reality.

Uninsured / Underinsured Motorist: Covers your drivers if the at-fault party has no insurance or too little. Texas has high rates of uninsured drivers, making this coverage valuable. Insurers must offer it, but you can decline by waiver.

Medical Payments Coverage: Pays medical expenses for you and passengers after an accident, no matter who’s at fault. This can cover hospital visits, surgery, and rehabilitation costs.

Hired & Non-Owned Auto Liability: Protects your business when employees use vehicles you don’t own, like their own cars for work tasks. Fills coverage gaps that are often overlooked until a claim happens.

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Who Needs Commercial Auto Insurance in Texas?

  • If your business owns trucks, vans, or cars
  • If employees use their own vehicles for work errands
  • If your company leases or rents vehicles for business purposes
  • If your vehicles are used to transport goods, tools, or passengers for a fee
Quick tip: If your vehicle is EVER used for work, including delivery, client visits, or job site commutes, you likely need commercial auto insurance.
Why personal auto may not protect you:

Most personal auto policies exclude business use. If you're making a delivery, driving between job sites, or running business errands and an accident happens, your claim may be denied. That's where commercial auto insurance steps in.

Who typically needs coverage:
  • Contractors
  • Landscapers
  • Plumbers
  • Electricians
  • Delivery & Courier
  • Catering
  • Cleaning
  • Real Estate

If employees drive to client locations, you should consider coverage.

Bonus: Rideshare & Passenger Transport
Texas considers rideshare vehicles "commercial." If you transport people for pay, including non-emergency medical transport, you need a commercial auto policy.

How Much Does It Cost in Texas?

Your actual premium depends on several factors specific to your business.Typical range: $260 to $1,420 per month per vehicle.

Vehicle Type & Use: The biggest factor in cost. A contractor’s pickup used for local jobs is less expensive to insure than a heavy dump truck on Texas highways. Heavier, more valuable, or specialized vehicles cost more.
Driving History: All drivers on your policy are considered. Accidents, moving violations, and DUI convictions increase premiums significantly, usually within the past 3-5 years.
Location & Territory: Operating in high-traffic metro areas like Dallas, Houston, or San Antonio leads to higher rates than in smaller Texas cities, due to more accidents and expensive claims.
Coverage Limits & Deductibles: Higher liability limits and lower deductibles offer better protection but also increase your premium. We help you find the right balance for your budget.

Because Quote Texas works with 65+ carriers, we can compare rates across multiple insurers for your specific situation. A business that gets quoted $1,200 per month from one carrier may find the same coverage for $800 from another. The only way to know is to compare, and that is exactly what we do.

Why Trust Quote Texas Insurance?

Trusted by Texas Businesses — Proven Results

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  • 65+ carriers competing for your business: More carrier relationships than most Texas agencies, including Progressive, Mercury, Kemper, Geico, and specialty markets, delivering more options and better pricing for your specific needs.
  • We do the shopping for you: Submit your info once and receive multiple competitive quotes in 24–48 hours. We handle the legwork so you get fast, fair comparisons.
  • True commercial expertise: Over 93% of our $8.2M book is commercial insurance. Commercial auto is our second-largest line. We know the Texas market inside and out.
  • Local service, Texas focus: Based in Burleson, we serve businesses statewide. Talk to a real person who understands Texas commercial auto requirements.

Ready to find out what competitive commercial auto insurance looks like for your business? Get a free quote today or call us at 844-402-4464 directly to speak with a commercial auto specialist.

Independently rated and trusted for 20+ years

Commercial Auto Insurance Coverage Options

In addition to the core coverages described above, Quote Texas can help you build a commercial auto policy that includes specialized protections for your business.

Looking for truck insurance? We now have a dedicated commercial truck insurance page covering semi-trucks, tractor-trailers, owner-operators, and fleet trucking operations in Texas.

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Frequently Asked Questions About Commercial Auto Insurance in Texas

What are the minimum commercial auto insurance requirements in Texas?
Texas requires all commercial vehicles to carry minimum liability coverage of 30/60/25: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident. Commercial motor vehicles over 26,000 lbs GVWR face a $500,000 combined single limit minimum. Vehicles transporting hazardous materials may need up to $5,000,000 in coverage.
How much does commercial auto insurance cost in Texas?
Commercial auto insurance in Texas typically ranges from $260 to $1,420 per month per vehicle, depending on vehicle type, industry, driving history, and coverage limits. As an independent broker with 65+ carriers, Quote Texas compares rates across multiple insurers to find the most competitive price for your specific business.
What does commercial auto insurance cover?
Commercial auto insurance covers liability for bodily injury and property damage, collision damage to your vehicles, comprehensive coverage for theft, weather, and vandalism, medical payments, uninsured and underinsured motorist protection, and hired and non-owned auto liability for employees using personal vehicles for business.
Do I need commercial auto insurance if I use my personal vehicle for business?
Yes. Texas law requires commercial auto coverage for any vehicle used for business purposes, including personal vehicles used for work activities like client visits, deliveries, or ridesharing. Personal auto policies typically exclude business use, leaving you uninsured if an accident occurs during work-related driving.
What is the difference between commercial auto and personal auto insurance?
Commercial auto insurance covers vehicles used for business purposes and typically offers higher liability limits, coverage for multiple drivers and vehicles, and protection for business-specific risks like cargo and hired auto liability. Personal auto policies exclude business use and may deny claims if an accident occurs during work-related driving.
Can I get commercial auto insurance for a fleet of vehicles in Texas?
Yes. Quote Texas specializes in fleet insurance for businesses of all sizes. Fleet policies typically cover five or more vehicles under a single policy, simplifying management and often providing volume discounts. We work with carriers like Progressive, Mercury, and Kemper who offer fleet-specific programs with telematics discounts.
What industries need commercial auto insurance in Texas?
Any Texas business that owns, leases, or uses vehicles for work needs commercial auto coverage. Common industries include construction, landscaping, plumbing, HVAC, electrical, delivery services, catering, cleaning services, real estate, and any business where employees drive to client sites.

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