Commercial Truck Insurance
Texas
Coverage built for Texas highways, oilfields, and cross-border freight
From Houston ports to West Texas oil routes, trucking in Texas means long miles, varied freight, and serious liability. GIA Group, LLC helps CDL drivers, owner-operators, and fleets secure commercial truck insurance that meets state and federal requirements—and keeps your business moving.
Success Stories
Client's case | Price per truck / year |
|---|---|
Reefer – Cargo Liability, Trailer Interchange | $2,400 |
Reefer – Auto Liability | $14,500 |
General Freight – Non-Trucking Liability, Physical Damage | $1,800 |
We quote multiple insurance carriers to find the best fit, fast.
Coverage
Who needs it
Who we serve in the Lone Star state
Owner-operators – Leased-on or running under their own TX‐USDOT authority
New ventures – Start-ups filing for a TxDMV Cab Card, Unified Carrier Registration, or first MC number
Small & mid-size fleets – 1 – 50 power units hauling regional or long-haul freight
Large fleets – 50+ units; dedicated loss-control reviews, telematics discounts, multi-state filings
Oilfield & energy haulers – Vacuum, winch, and hot-shot trucks serving the Permian Basin and Eagle Ford
Port & intermodal carriers – Power-only and chassis operators moving containers through the Port of Houston
Reefer & produce operators – Temperature-controlled loads from the Rio Grande Valley to nationwide markets
Oversize / heavy-haul specialists – Wind-turbine, crane, and machinery moves requiring oversize permits and high liability limits
Dump & construction fleets – End-dump, belly-dump, and mixer trucks working Texas DOT and county projects
Haz-mat carriers – Fuel, chemicals, and waste haulers needing $1 M–$5 M liability and MCS-90 compliance
Our advantages
Requirements
Truck insurance requirements in Texas
Liability limits: $750 k CSL for general freight · $1 M CSL for oil & certain hazardous waste · $5 M CSL for placarded HM—same schedule adopted from 49 CFR 387.
Proof-of-insurance filings: Intrastate carriers must keep evidence of liability on file with TxDMV’s Motor-Carrier Credentialing System via Form E; household-goods movers also file Form H for cargo.
Continuous coverage rule: TxDMV automatically suspends a TxDMV certificate number if the insurer reports a lapse or cancellation.
Information reflects minimum requirements as of 2025 and is provided for general reference only. Actual insurance limits and filing obligations may vary depending on cargo type, operation size, or recent regulatory updates. Carriers should verify current requirements with the FMCSA, Texas Department of Motor Vehicles, or a licensed insurance professional.
Cost explanation
How much does Texas truck insurance cost?
Commercial Truck Insurance in Texas typically ranges from $9,000 to $20,000+ per year, depending on the truck, cargo, and driving history. We help you balance cost and coverage, without cutting corners.
Facts
Service area
Truck insuransce across Texas
We provide Texas commercial-auto coverage statewide, including these key freight hubs: Houston, Dallas–Fort Worth, San, Antonio, Austin, Laredo, El Paso, Corpus Christi — plus every refinery lane, rail ramp, and border crossing in between.
Our reach goes beyond Texas. GIA Group, LLC is licensed in multiple states, delivering consistent coverage no matter where the road leads.
