Commercial Auto Insurance Texas

Your Texas business fleet deserves protection from a partner who understands local roads, risks, and regulations.
• Deep understanding of Texas commercial auto laws and DOT requirements
• Expert knowledge of unique risks on Texas highways and rural roads
• Customized coverage for Texas-specific vehicle types and industries
We go beyond basic liability with premium risk management services tailored for Texas roads. Our enhanced coverage options include GPS tracking discounts, specialized endorsements for Texas-specific vehicle types, and 24/7 roadside assistance across the state's vast highway network.
• Oil & Gas Companies: Protect specialized vehicles and equipment traversing remote Texas oilfields and refineries.
• Construction Firms: Coverage for heavy machinery and work trucks operating on diverse Texas job sites.
• Agriculture & Ranching: Insure farm vehicles and livestock trailers across vast Texas rural areas.
• Delivery & Logistics: Comprehensive protection for fleets navigating Texas's major urban centers and long-haul routes.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Texas commercial vehicles, addressing regional risks and regulatory requirements.

Commercial auto insurance costs in Texas average $1,800 annually per vehicle. However, your specific premium depends on several factors:
Larger vehicles or those used for long-haul transport typically incur higher premiums due to increased risk exposure on Texas highways.
Clean driving records can significantly reduce premiums, while accidents or violations may increase costs, especially given Texas's strict point system.
Higher liability limits, while offering better protection, generally lead to increased premiums. Texas's minimum requirements are often insufficient for many businesses.
Certain industries, such as oil & gas or hazardous materials transport, face higher premiums due to the specialized nature of their vehicles and increased risk factors in Texas.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Commercial Auto Insurance in Texas typically covers liability, collision, and comprehensive damages for vehicles used for business purposes. This includes protection for company-owned vehicles, employee-driven cars, and rented or leased vehicles. In Texas, where long-distance driving is common due to the state's vast size, it also covers medical payments and uninsured/underinsured motorist coverage. The policy can be tailored to meet specific Texas business needs, such as coverage for oil field equipment transportation.
Yes, Commercial Auto Insurance is mandatory for businesses in Texas that own and operate vehicles. The state requires a minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage (30/60/25). However, most Texas businesses opt for higher coverage limits due to the state's high traffic volumes and the potential for costly accidents, especially in urban areas like Houston, Dallas, and Austin.
Commercial Auto Insurance in Texas offers higher liability limits and broader coverage compared to Personal Auto Insurance. It typically covers multiple drivers and vehicles, including specialized equipment. Unlike personal policies, it can cover employees driving for work purposes. In Texas, where industries like oil and gas, construction, and logistics are prominent, Commercial Auto policies often include specific endorsements for heavy equipment, cargo, and long-haul trucking not available in personal policies.
Several factors influence Commercial Auto Insurance rates in Texas. These include the type and number of vehicles, their usage and mileage, the nature of the business, and the driving records of employees. Texas-specific factors like the high rate of uninsured drivers (about 20% as of 2021) and the state's prone to severe weather events (hurricanes, hailstorms) can also impact rates. Additionally, businesses operating in high-traffic urban areas like Houston or Dallas may face higher premiums due to increased accident risks.
Yes, specialized Commercial Auto Insurance is available for rideshare and delivery services in Texas. This is particularly important as Texas has seen a surge in these services, especially in cities like Austin and San Antonio. These policies typically offer coverage during all phases of operation, from when the app is on to passenger drop-off or package delivery. They often include higher liability limits and can cover things like food spoilage for delivery services, which standard policies don't cover.
To file a Commercial Auto Insurance claim in Texas, first ensure everyone's safety and contact the police if necessary. Document the incident thoroughly, including photos and witness information. Contact your insurance provider immediately - many Texas insurers offer 24/7 claim services. Provide all required information, including the police report number. Texas law has a two-year statute of limitations for auto accident claims, but it's crucial to file as soon as possible. Your insurer will guide you through the process, which may include an inspection by a Texas-based claims adjuster.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.