Commercial auto insurance in Texas
Texas businesses that put vehicles on the road — service trucks, vans, delivery vehicles, or a mixed fleet — generally need commercial auto insurance, because personal auto policies typically exclude business use. The policy is intended to respond to liability and, if added, physical damage when a covered vehicle is in an accident.
Texas requirements to know
State financial-responsibility minimum
Texas uses a standard minimum often described as 30/60/25 (bodily injury per person / per accident / property damage). It is a floor — heavier vehicles, for-hire operations, and many contracts require more.
For-hire and heavy trucks
Intrastate for-hire carriers and heavier commercial vehicles commonly face higher state-set limits, and shippers or general contractors frequently require a $1,000,000 combined single limit before you can work.
Interstate carriers (FMCSA)
Hauling freight or passengers for hire across state lines triggers federal minimums (for general freight often $750,000 and higher for certain cargo or passenger counts).
Who needs it in Texas
Oil-and-gas field services, construction, trucking and freight, agriculture, and delivery operations across Houston, Dallas–Fort Worth, San Antonio, and Austin are common Texas commercial-auto users.
Share your fleet size, driver count, and how the vehicles are used, and we’ll match you to a carrier. Required limits depend on vehicle type, for-hire status, and the contracts you work under — verify yours before relying on a minimum.
New to the coverage parts (liability, physical damage, hired & non-owned auto, motor-truck cargo)? See the full breakdown on our commercial auto insurance guide. Texas minimums are a floor — required limits and pricing are set by the carrier and vary by vehicle, use, and driving records.
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