Commercial Auto Insurance in Texas

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.

Coverages commonly included

•Liability — generally intended to respond to bodily injury or property damage you cause with a covered vehicle.
•Physical damage (comprehensive & collision) — optional coverage for damage to your own vehicles.
•Hired & non-owned auto — for rented vehicles or employees driving their own cars for work.
•Medical payments / uninsured motorist — and, for haulers, motor-truck cargo where applicable.

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.

Coverage descriptions are general. State minimums are a floor, not a recommendation; required limits, eligibility, and pricing are determined by the carrier and vary by vehicle, use, driving records, and the contracts you work under. Verify current requirements with the state and a licensed insurance professional.