Commercial Truck Insurance Texas: Low Cost Semi, Box, Dump & Auto Haulers Quotes

Commercial Truck Insurance Texas is more than just a requirement; it is the shield that protects your livelihood on the open road. Whether you are an owner-operator hauling freight from Dallas to Houston or a fleet manager coordinating deliveries across the Panhandle, finding Low Cost Commercial Truck Insurance Texas policies on, frac sand hauling, auto haulers, semi, box and Dump trucks is essential for your bottom line.

Since 1990 the Colucci Independent agency has been offering commercial truck insurance to drivers just like you. With over 35 years experience we know which insurance company will provide the lowest rates for you. We don’t just work for one provider; we work for you. Study’s have shown independent agents find the lowest rates over captive agents (Agents who only represent one company). By shopping your policy with dozens of top-rated carriers, we force them to compete for your business, ensuring you get the best price available.

For quotes call 833-865-3380 or submit your request here 24/7: Texas Commercial Truck Insurance Quotes.

We understand that the Texas economy runs on diverse industries, from the oil fields of the Permian Basin to the construction boom in Austin. We offer tailored Truck Insurance Texas solutions for every type of rig on the road.

For long-haul truckers and tractor-trailer operators, our Semi Truck Insurance Texas policies provide comprehensive protection. We secure the Primary Liability, Physical Damage, and Motor Truck Cargo coverage you need to stay compliant with FMCSA regulations while crossing state lines. We offer semi commercial truck insurance quotes in Houston and other cities in Texas.

For affordable quotes on semi truck insurance in Texas Call 833-865-3380. Also you can submit your quote request here 24/7: Texas Semi Truck Insurance Quotes. 

Construction and energy sectors demand heavy-duty coverage. We specialize in Dump Truck Insurance Texas for aggregate haulers moving dirt, gravel, and asphalt.

For dump truck insurance quotes in Texas call 833-865-3380 or submit your quote request here: Texas Dump Truck Insurance Quotes. 

We offer Frac Sand Insurance Hauling Insurance Texas, providing the specific liability limits and endorsements required by oil and gas companies for entering job sites and sand mines.

Call 833-865-3380 for quotes on Frac sand hauling insurance in Texas. Additionally you can submit a quote request here: Texas Frac Sand Hauling Insurance Quotes.

Transporting vehicles carries high risks and requires high cargo limits. We provide specialized Auto Haulers Insurance Texas quotes that protect the valuable inventory on your trailer—whether you are hauling used cars to auction or new luxury vehicles to dealerships.

For low cost quotes on auto haulers insurance in Texas call 833-865-3380. You can also submit a quote request here: Texas Auto Haulers Insurance Quotes. 

Whether you are a local courier or an interstate furniture mover, our Box Truck Insurance Texas programs offer affordable rates for straight trucks, reefers, and delivery vans.

To see how much money we can save your business on box truck insurance in Texas call 833-865-3380. Addironally you can fill out our easy to use quote form: Texas Box Truck Insurance Quotes. 

The expedited freight market is booming. Our Hot Shot Insurance Texas packages are designed for heavy-duty pickups (F-350/450/550) with gooseneck trailers. We understand the unique urgency of your business and ensure you have the proper filings (like the MCS-90) to operate legally.

Operating legally in the Lone Star State means strictly adhering to state and federal insurance mandates. Texas Commercial Truck Insurance requirements vary based on your Gross Vehicle Weight (GVW) and whether you cross state lines. It is vital to stay compliant with state and federal laws to avoid fines or suspension of your authority. Texas mandates specific insurance limits based on the weight of your vehicle and where you operate. We stay up to date with industry standards set by organizations like the Texas trucking Association. We proivde low cost commercial truck insurance quotes throughout Texas including Arlington, Austin, Dallas, Fort Worth, El Paso, Houston, and San Antonio. 

If you operate strictly within Texas borders (Intrastate) and do not cross state lines, the Texas Department of Motor Vehicles (TxDMV) requires the following minimum liability limits:

• GVW Over 26,000 lbs: You must carry a minimum of $500,000 in Combined Single Limit (CSL) liability.

• Household Goods Movers:

  • GVW less than 26,000 lbs: $300,000 liability limit.

  • GVW over 26,000 lbs: $500,000 liability limit.

• General Freight (Under 26,000 lbs): While state law may technically allow standard auto liability limits (30/60/25) for smaller commercial vehicles not hauling hazardous materials or household goods, most brokers and shippers will still require you to carry at least $300,000 to $500,000 in liability to load with them.

• State Filings: Addtionally you may have to do state filngs in Texas and will need a Texas Tax ID number.
• Texas Commercial Drivers License is required for vehicles with a GVW of over 26,000 or when pulling a trailer in excess of 10,0000 GVW that has a combined GVW of over 26,000. Additonally operating public transportation vehicles with a seating capacity of over 15 need a CDL.

If you haul goods out of Texas into Alabama, Tennessee, Georgia, Florida, North Carolina, Pennsylvania or beyond, you are subject to Federal FMCSA requirements:

• GVW Over 10,001 lbs: Minimum of $750,000 CSL for general freight.

• Hazardous Materials: Minimum of $1,000,000 to $5,000,000 depending on the class of hazmat transported.

Insurance is a major expense, but there are ways to control it. Here are proven tips for lowering your commercial Truck Insurance:

1. Shop with an Independent Agent: As mentioned, independent agents access multiple markets. We shop your renewal every year to make sure you aren’t overpaying.

2. Pay in Full: Many insurance carriers offer a “Paid in Full Discount” that can save you 10-15% off your total premium just by paying upfront rather than monthly.

3. Hire Experienced Drivers: Drivers with a CDL for more than 2 years and a clean MVR (Motor Vehicle Record) significantly lower your rates.

4. Use Telematics: Installing ELDs (Electronic Logging Devices) and dash cams can prove to insurers that you run a safe operation, unlocking safety discounts.

5. Review Your Routes: If you never leave Texas, make sure you aren’t paying for an interstate policy you don’t need. However, ensure this doesn’t limit your business growth.

The cost varies wildly based on your cargo, truck type, and radius of operation. However, typical annual ranges for an experienced trucker with clean loss runs and mvr, good cab scores and credit in Texas are:

• Semi Trucks: $12,000 – $16,000 per year.

• Hot Shots: $9,000 – $13,000 per year.

• Box Trucks: $5,000 – $9,000 per year.

• Note: New authorities often pay higher rates in their first couple of years.

Yes! While many insurance companies decline new ventures, the Colucci Independent Agency has special programs specifically for new authorities. We can help you get your filings active and your truck on the road, even if you just received your MC number today.

Non-Trucking Liability covers you when you are using the truck for personal reasons and are not under dispatch. Bobtail Insurance typically covers you anytime you are driving without a trailer attached, regardless of whether you are under dispatch or not. It is crucial to read your lease agreement to know which one your motor carrier requires.

Yes. While the law technically only requires $5,000 in cargo coverage, almost no broker or shipper will give you a load without at least $100,000 in Motor Truck Cargo insurance. For Auto Haulers and Frac Sand haulers, you may need even higher limits or specific endorsements like “Earned Freight Coverage.”

To register a commercial truck for intrastate useage go your Texas County Tag Office.

Interstate trucking risks that need an IRP registration go to the Texas Dept of Public Safety Commercial Vehicle Registration website. Vehicles over 55,000 GVW are subject to the federal heavy vehicle use tax HVUT and will need a form 2290. 

Don’t overpay for your Texas commercial truck insurance coverage. Trust the agency with 35 years of experience to find you the best rates.

Call 1-833-865-3380 for a free quote or submit your request here: Texas Low Cost Commercial Truck Insurance Quotes. Let us do the shopping for you!

While we specialize in Commercial Truck Insurance in Texas, we proudly offer our low-cost quotes throughout the Southeast and Midwest: