Best Trucking Insurance Companies in Texas 

Trucking insurance isn’t just a legal requirement; it’s your safety net against the countless risks you face on the road. Whether you’re hauling freight across state lines or making local deliveries, accidents, theft, and unexpected disasters can happen at any time.

Texas being the famous state with the most truck licensed, it is crucial for trucking business as well as the trucking insurance companies to know every legal aspect each party is going to face. Knowing beforehand about the requirements as well as about the best trucking insurance companies, trucking business can get additional advantage.

Texas Trucking Insurance Overview

Trucking companies, known as motor carriers, are required by Texas law to file proof of commercial automobile liability insurance for each registered vehicle. The insurance requirements for truck drivers and trucking companies ensure they are covered in the event of a serious accident or injury.

Best Commercial Truck Insurance Companies in Texas

Here is the list of trucking insurance companies that are based in Texas and also provide trucking insurance in other states as well.

Note: The list is selected on the basis of the A.M rating and the best trucking liability option that is provided by each of the listed companies.

Mandatory Insurance Coverages for Texas-Based Trucking Businesses

• Primary Liability: Texas law mandated all commercial trucks to have primary liability insurance.
• Trucker’s Legal Liability Insurance: This is mandatory in Texas if the business is transporting goods for others. Protects your liability in the event of damage to the property or goods.
• Bodily Injury Liability Insurance: This covers the costs associated with injuries or death caused to others in an accident where the truck driver is at fault.
• Trailer Interchange Insurance: This is required if you are transporting a trailer that does not belong to you. It covers damage to the trailer while it’s in your care, custody, and control.
• Non-Trucking Liability Insurance: If you are an owner-operator who is leasing your truck to a carrier, you’ll likely need non-trucking liability insurance (also known as bobtail insurance) to cover your vehicle when it is used for personal purposes or while empty.

Although Texas regulations may not always need certain coverages, the mentioned coverages are required. Depending on the nature of your trucking business, you need to include coverage like Workers’ Compensation, Cargo Insurance, and Physical Damage Insurance in your policy.

However, consulting with a trucking agency or brokers before choosing a policy is usually a good idea.

Brief Overview of Best Trucking Insurance Companies in Texas

1. Great West Casualty Company

• Established: 1956
• Great West specializes exclusively in commercial trucking insurance, offering coverage options such as auto liability, physical damage, cargo, and general liability. They provide services across the United States, including Texas, but do not currently serve Alaska, Hawaii, Massachusetts, and New York.

2. Progressive Commercial

• Established: 1937
• Progressive offers commercial truck insurance tailored to various trucking operations, including coverage for owner-operators and motor carriers. They operate nationwide, including in Texas.

3. Northland Insurance

• Established: 1948
• Northland provides commercial trucking insurance solutions, including liability, physical damage, and cargo coverage. They serve clients across the United States, including Texas.

4. Texas Mutual Insurance

• Established: 1991
• Texas Mutual specializes in workers’ compensation insurance within Texas. While their primary focus is on workers’ compensation, they may offer additional services pertinent to the trucking industry within the state.

5. The Hartford

• Established: 1810
• The Hartford offers a range of commercial insurance products, including specialized coverage for trucking businesses. Their services are available nationwide, including in Texas.

6. Nationwide

• Established: 1926
• Nationwide provides commercial auto and trucking insurance, offering coverage options such as liability, physical damage, and cargo insurance. They operate across the United States, including Texas.

7. Liberty Mutual Insurance

• Established: 1912
• Liberty Mutual offers commercial auto insurance solutions suitable for trucking operations, including liability and physical damage coverage. They serve clients nationwide, including in Texas.