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    Texas Commercial Auto Insurance

    Texas Commercial Auto Insurance

    It's no surprise that the COVID-19 pandemic has had a significant impact on many people's lives and the trucking and driving industries. Living in a state where everything is bigger and better has its perks but suffice it to say, the struggle was felt by 30 million Americans residing in Texas.

     If you're a Texas driver with one of the larger insurance companies, your bills will likely rise this year. According to notices filed with the Texas Department of Insurance, which regulates insurers operating in the state, insurance companies plan to raise rates in 2022, with some rates increasing by more than 20% on average statewide.

    If you're one of the 3 million small businesses that need to secure their personal insurance, as well as their commercial auto insurance. Read on to better grasp Texas commercial auto insurance requirements.

    Commercial Auto Insurance Coverage In Texas

    Commercial auto insurance is a type of insurance that covers damage to commercial vehicles. It typically covers vehicles not covered by a personal auto policy. 

    Property Damage Liability

    It is a type of coverage that protects you and your employees if you are in an accident while driving for work. It is also known as truck or fleet insurance. Commercial auto insurance in Texas covers the following:

    • Bodily injury
    • Property damage liability
    • Collision coverage
    • Comprehensive coverage
    • Medical expenses and coverage
    • Uninsured/underinsured coverage

    In Texas, only bodily injury and property damage liability are required. However, there are other forms of insurance to consider. If you are in an accident and do not have enough coverage, you may have to pay for medical bills and repairs.

    How Much Does Commercial Auto Insurance In Texas Cost?

    Several factors influence the sometimes exorbitant commercial auto insurance cost in the state of Texas, some of which include the following factors:

    Driving Record

    All drivers who have access to your commercial vehicles will be subjected to a motor vehicle report by your commercial auto provider. Drivers with accidents or violations on their records will usually cause your insurance rate to rise. You can expect your insurance company to consider the last three years of driving history.

    Radius Of Travel

    The distance you frequently travel can impact your commercial auto rate. A vehicle with a local route within San Antonio's city limits is considered less dangerous than one with a regional route that covers the entire state of Texas.

    Coverage Requirements

    The amount of liability coverage you need affects your business auto insurance premium. Policyholders who have the Texas state minimum liability limits of 30/60/25 will pay less than those who need a combined single limit of $1 million.


    It is common for larger cities like Dallas to charge more for commercial auto coverage compared to your personal auto insurance policy than smaller cities.

    Keep in mind that locations with higher-than-average claims are typically more expensive than other locations. Weather-related events such as hurricanes and tornadoes can also be a factor.


    Some industries are riskier than others. A contractor who transports tools and equipment to various job sites every day can be paid more than an attorney who occasionally visits clients. Thus, understanding the nature of your profession is a big factor that impacts your commercial vehicle insurance needs.


    Your rate is affected by the size and use of your vehicle. A large utility truck with a refrigerator and deep fryer will certainly command a higher price than a small cargo van outfitted with minimal equipment.

    Other Insurance Types

    Knowing the different types of auto insurance and their coverages is an important step in getting the policy that's right for you if you're shopping for auto coverage. Here are some of the most common types of car insurance, how they work, and what they cover:

    Reliable commercial auto policy in Texas is competitive in small businesses and large enterprises alike, but finding the right commercial auto insurer can make a difference. To learn more about general insurance or commercial trucking insurance for your business in Texas, read through our blogs at Assured Standard and grasp what smart long-term business solutions could look like for you.

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    Assured Standard will protect your business with the right insurance, depending on your needs. Now more than ever, it’s crucial to have the right general liability insurance experts on your side. Protecting the future of your business starts today.
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