Commercial Auto Insurance Quotes in Texas
One work vehicle or a fleet? We help Texas businesses compare available auto insurance options. Tell us who owns and drives the vehicles, how they are used, and what they carry.
Start your Texas commercial auto quote
- What your business does, and where
- How many vehicles, what kind, and how far they run
- The coverage you want, or our help choosing
A licensed agent reviews your vehicles and drivers, then follows up with options.
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Compare coverage before you choose.
A licensed review may consider liability limits, damage to an insured vehicle, deductibles, lender interests, and other policy terms. The answer depends on the actual vehicles and operation; this page does not promise that a particular coverage, limit, or market is available.
- Liability limits
- What limit applies to injuries or property damage the business may be responsible for?
- Damage to the vehicle
- Which collision and comprehensive options are included, and what deductible applies to each?
- Vehicles you do not own
- How are rented and employee-owned vehicles addressed? Check liability and vehicle-damage terms separately. Review those uses.
What is commercial auto insurance?
Commercial auto insurance, also written as commercial automobile insurance, is what the Texas Department of Insurance describes as liability and property damage protection for cars, trucks, and vans used for business. TDI says it can also cover food trucks, service utility trucks, trailers, and other kinds of vehicles. TDI’s consumer rights page adds two coverages a Texas policy includes unless the policyholder declines them in writing: personal injury protection, and uninsured or underinsured motorist coverage.
What do I need to get commercial auto insurance in Texas?
An insurance company has to agree to cover the vehicles, and what you tell it shapes the answer. The Texas Department of Insurance says most companies look at driving records and claims history, where a vehicle is kept, the kind of vehicle and how it is used. The problems that hold it up, and what to do about each, are in What You Need to Get Commercial Auto Insurance in Texas.
My truck is in my name, but I use it for work. Do I need a business policy?
Maybe. The name on the title, what the truck does in a normal week, and who else drives it shape which policy fits, and that answer comes from the review, not from a web page. Tell us both uses and a licensed team member sorts it out.
Do I need both a personal policy and a business policy?
Some households end up with both, one for the family cars and one for the work vehicles. Others are answered in one review. Bring both sides to the same conversation. The same office handles personal auto and business auto.
What does commercial auto insurance cost?
It depends on the vehicles, the drivers, where they go and what they carry, the limits and deductibles you choose, and which company the request fits. Nobody can put a fair number on a page. A licensed team member explains the quote line by line before anything is signed.
Bring what you have
- Vehicle list and VINs, if available
- Driver names and business roles
- Normal use, travel area, and garaging
- Trailers and towed equipment
- Loan, lease, certificate, or contract details
What do you need today?
Pick the one that fits and skip the rest.
A contract or a lender needs proof
Start the quote with the written requirement and the deadline, so the review begins with what the job asks for. Already insured with us? Request a certificate.
Start my quoteYou are not sure what is required
The problems that hold up a quote, and what to do about each: a contract that wants proof, a truck in your own name, a driver with tickets.
What You Need to Get Commercial Auto Insurance in TexasYou are watching the cost
Line up the same limits, deductibles, vehicles and drivers on every quote before you compare.
Compare coverage before you chooseStart with the vehicles
A commercial auto review is more than a vehicle count.
Two identical trucks can raise different questions once you look at who owns them, who drives them, and what the work asks of them. Share what you know, and we will flag what needs a closer licensed review.
Ownership and use
Year, make, model, VIN if you have it, and the name on the title. Then whether the vehicle is owned outright, financed, or leased, and what it does in a normal week.
Drivers
Who drives each vehicle and what their role is in the business. Include anyone who takes the wheel during a busy stretch, and driver names and license status if you have them.
Travel and garaging
Where each vehicle is parked overnight, the area it usually covers, how far it goes on a normal day, and whether it crosses state lines or changes with the season.
Trailers and what you haul
Trailers, towed equipment, tools, materials, and anything carried for a customer. List a trailer the same way you list a truck, with its own year, make, and VIN if you have it.
The vehicles people forget
Vehicles the business does not own.
Plenty of the driving a business depends on happens in a vehicle that is not on its title. A truck rented for a two week job, an employee running a delivery in their own car, a trailer borrowed from a neighbor. Tell us about those too. On a policy or a certificate request you may see this written as hired and non-owned auto.
Rented vehicles
A truck or van rented for a job, a season, or a single delivery. Tell us how often it happens and whose name is on the rental agreement.
Employee-owned vehicles
Staff who run errands, make deliveries, or drive to a job site in their own car or truck. Tell us how often that happens and whether they are paid mileage.
Borrowed vehicles
A truck, trailer, or piece of equipment borrowed from a friend, a family member, or another business. Tell us who owns it and how regularly you use it.
Your own vehicle
The vehicle you drive personally and also use for the business. List it with the others and tell us how the use splits between home and work.
Start the list the same way, however long it gets.
Is fleet insurance different from commercial auto insurance?
Fleet insurance generally describes commercial auto coverage for multiple vehicles. Start with the vehicle and driver list, whether you have one work vehicle or several.
Whether the list holds two vehicles or twenty, start it the same way. Send the vehicles and the drivers together, mark the ones that are new since the last renewal, and tell us if the work changes by season or by contract.
If drivers come and go through the year, tell us how you usually add and remove them.
Some kinds of driving need a closer look before anyone can tell you what is possible. Long routes, hauling for other people, and vehicles that carry the public are questions for a licensed team member rather than a web page. Tell us early what the vehicles actually do, and you get a straight answer instead of a guess.
Before the renewal date
- Current policy and renewal date
- Vehicles or drivers added since last year
- Loss information you already have
- Lender or lessor named on a vehicle
- A certificate or contract with a deadline
What Texas says, and where to read it yourself.
The description of commercial auto insurance above comes from the Texas Department of Insurance, and its consumer rights page sets out what a policyholder can expect on claims, cancellation, and nonrenewal. Policies, limits, exclusions, and underwriting can differ, so the vehicle and operation still need an individual review.
Commercial insurance guide
TDI’s commercial property insurance guide, including the auto coverage section quoted above.
Read the TDI guideCommercial auto consumer rights
Keep the regulator’s current claims, cancellation, and nonrenewal information available for policy questions.
Review TDI consumer rightsAuto insurance guide
TDI’s auto insurance guide states that Texas law requires at least $30,000 of coverage for injuries per person, up to $60,000 per accident, and $25,000 of coverage for property damage, which TDI calls the 30/60/25 minimum. A licensed review sets the actual limits your vehicles and operation need.
Read the auto insurance guideSource review date: September 7, 2026. TDI is the authority for current Texas rules. This page is general preparation information, not a coverage determination or legal advice.
Businesses that often carry commercial auto
- Contractor insurance
- Trucking Companies
- Hotshot Trucking
- Food Trucks, Trailers and Carts
- Catering Businesses
- Landscaping and Lawn Care
- Plumbing Contractors
- HVAC Contractors
- Pest Control Businesses
- Crane & Rigging Contractors
- Horse Owners and Equine Businesses
- Daycares and Child Care Centers
- Business insurance by industry
Talk through your business vehicle coverage.
A licensed team member reads what you send, asks about anything missing, reviews the carrier options we represent that may be available for your situation, and explains the differences. That happens by phone, by email, or through this site.
Start online, or call our office. Either way a real person picks it up from there. Browse Business Insurance for the broader picture, and the business-vehicle preparation guide can help you collect the details first.