Commercial Auto Insurance Texas

Tailored commercial auto coverage protecting Texas businesses on the road, from Houston's busy highways to rural West Texas routes.
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Custom-tailored policies for Texas specific risks

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Why Us?

Why Choose TWFG Commercial in 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

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Local Expertise
With over 20 years serving Texas businesses, our local insurance experts understand the Lone Star State's commercial auto landscape. From navigating Houston's complex freeway system to protecting against hail damage in the Panhandle, we provide tailored solutions that keep Texas businesses moving safely and efficiently.
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Industry Expertise
Our licensed agents specialize in commercial auto coverage for diverse Texas industries, from oil & gas to agriculture. We maintain DOT certification and continuously track emerging risks in the Texas transportation sector. This ensures your policy provides comprehensive protection against industry-specific claims and regulatory challenges.
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Beyond Basic Coverage

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.

Ideal For

Who needs Commercial Auto Insurance in Texas?

• 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.

In Texas's diverse business landscape, commercial auto insurance is crucial for companies relying on vehicles. Our coverage protects against the unique risks of Texas roads, from crowded urban highways to remote rural routes. For instance, oil & gas companies must safeguard specialized equipment traveling to remote West Texas sites. Similarly, agriculture businesses need protection for vehicles crossing vast rural expanses and navigating unpredictable weather. Securing comprehensive commercial auto insurance isn't just smart—it's essential for protecting your Texas business against unexpected road hazards and liability claims. Contact our Texas office today for customized coverage options.
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Get Personalised Advice from Texas Insurance Experts

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.

Commercial Auto Insurance Coverage Details

Comprehensive protection for Texas commercial vehicles, addressing regional risks and regulatory requirements.

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Comprehensive Commercial Auto Coverage Explained

Our Texas commercial auto insurance safeguards your business vehicles against a wide range of risks. Coverage includes:
Liability Protection: Covers bodily injury and property damage caused by your vehicles
• Collision Coverage: Repairs or replaces your vehicle after an accident
Comprehensive Coverage: Protects against theft, vandalism, and weather damage common in Texas
• Uninsured/Underinsured Motorist: Essential given Texas's high rate of uninsured drivers (14.1% in 2021)

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Industry-Specific Risks on Texas Roads

Texas businesses face unique auto risks requiring specialized coverage:
• Oil & Gas: Protection for specialized vehicles in remote areas and off-road conditions
• Construction: Coverage for heavy equipment transport and jobsite accidents
• Agriculture: Protection against weather-related incidents and livestock transport risks
• Long-haul Trucking: Coverage for interstate travel and cargo protection
Our risk management team provides industry-specific training and compliance guidance.

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Texas Commercial Auto Requirements

Texas law mandates minimum liability coverage for commercial vehicles:
• $500,000 combined single limit for vehicles over 26,000 lbs
• $300,000 for vehicles 10,001-26,000 lbs
• $50,000 per accident for vehicles under 10,000 lbs
Additional requirements apply for hazardous materials transport and interstate operations. Our Texas insurance experts ensure your coverage meets or exceeds all state and federal requirements.

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Enhanced Coverage Options for Texas Fleets

Protect your Texas fleet with these critical coverage enhancements:
• Hired and Non-owned Auto Coverage: Essential for businesses using employee vehicles
• Rental Reimbursement: Keeps your business moving if a covered vehicle is out of commission
• Roadside Assistance: 24/7 support across Texas's vast highway network
• Specialized Equipment Coverage: Protects valuable tools and machinery transported in your vehicles

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Considerations for Local Businesses in Texas

Texas commercial auto regulations vary by vehicle type and usage. For example, oil field vehicles face specific DOT requirements, while agriculture vehicles have certain exemptions during harvest seasons. In 2022, Texas recorded over 125,000 commercial vehicle accidents, with major causes including driver fatigue (22%), distracted driving (18%), and adverse weather (15%). The average commercial auto claim in Texas exceeded $75,000. Texas's commercial vehicle registrations increased by 12% since 2020, with the Dallas-Fort Worth metroplex leading at 18% growth. Insurance claims frequency increased 20% in high-growth urban areas. Gulf Coast regions face heightened hurricane risks, while North Texas experiences frequent hail events causing significant vehicle damage. Central Texas flood zones expanded 10% since 2019, increasing risk for vehicles in affected areas.
Expertise

How much does Commercial Auto Insurance cost in Texas?

Commercial auto insurance costs in Texas average $1,800 annually per vehicle. However, your specific premium depends on several factors:

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1
Vehicle Type and Use

Larger vehicles or those used for long-haul transport typically incur higher premiums due to increased risk exposure on Texas highways.

2
Driver History

Clean driving records can significantly reduce premiums, while accidents or violations may increase costs, especially given Texas's strict point system.

3
Coverage Limits

Higher liability limits, while offering better protection, generally lead to increased premiums. Texas's minimum requirements are often insufficient for many businesses.

4
Location and Routes

Urban areas like Houston or Dallas typically see higher rates due to increased traffic and accident risks compared to rural regions of Texas.

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Industry-Specific Risks

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.

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Frequently Asked Questions

Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.

What does Commercial Auto Insurance cover in Texas?
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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.

Is Commercial Auto Insurance mandatory for businesses in Texas?
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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.

How does Commercial Auto Insurance differ from Personal Auto Insurance in Texas?
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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.

What factors affect Commercial Auto Insurance rates in Texas?
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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.

Can I get Commercial Auto Insurance for rideshare or delivery services in Texas?
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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.

How do I file a Commercial Auto Insurance claim in Texas?
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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.

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Call us at +1 (713) 388-6681 or fill the form.

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