Short answer
There is no reliable average price for Texas truck insurance, because premium depends on your trucks, drivers, radius, commodity, limits, safety record and loss history. A real number requires a quote built on your own information.
- The Texas Department of Insurance reports that commercial auto rates in Texas rose about 73% from 2017 through 2024 (2024 estimated), roughly 7.1% a year on a weighted average basis, across all commercial auto.
- Two insurers can quote the same truck very differently because they use different rating plans, driver guidelines and appetites.
Why we do not publish a price range
Any price range you see online is either an average of very different businesses or a guess. A one-truck intrastate dump operation and a ten-truck interstate reefer fleet are both "Texas trucking," and their premiums have almost nothing in common. Publishing a range would invite you to compare your quote to a number that was never about you. What we can do is show how the price is built, so you know what moves it.
The factors that move a Texas trucking quote most
- Drivers. Age, CDL experience, and MVRs. See which drivers trucking insurance can cover.
- Radius and lanes. Local, regional, or long haul, and where you run. See what is radius in truck insurance.
- Commodity. Hazmat, oilfield, and high-theft freight rate differently from dry van general freight.
- Years in business. New authorities are underwritten differently. See new venture trucking policies.
- Safety data. Inspections, out-of-service rates, and CSA percentiles. See how CSA scores affect truck insurance.
- Loss history. Usually three to five years of loss runs.
- Equipment values. Physical damage is rated on the value you insure.
- Limits and contracts. $1,000,000 costs more than $750,000, and umbrella layers add more.
The Texas market backdrop
TDI's November 2024 biennial report says commercial auto liability in Texas has been unprofitable for insurers since 2020, and that the premium-weighted average rate change across all commercial auto insurers totaled about 73% from 2017 through 2024, about 7.1% a year (2024 was an estimate using data through June 30). Those figures cover all commercial auto, not trucking alone, but they explain why many Texas carriers have seen increases at renewal regardless of their own record. If yours jumped, see trucking insurance renewal increase.
What you need for a real number
Units with VINs and values, a driver list with dates of birth and license numbers, radius and commodities, current declarations, and loss runs. With those, a quote is a few days of work, not a guess.
Common questions
Why did two insurers quote my truck so differently?
Insurers use different rating plans, driver guidelines and appetites for commodities and radius. TDI notes that insurer rating plans can vary significantly.
Will a higher deductible lower my premium?
Usually, on physical damage and sometimes on liability. Pick a deductible you could actually pay after a bad week.
Do clean CSA scores lower my rate?
Safety data is one of many inputs. A clean inspection history helps, but it does not offset a poor loss history or a high-risk commodity.
Sources
- Texas Department of Insurance, Commercial Auto Biennial Report (November 2024). Rating procedure for trucks, 200-mile zone rating, unprofitability since 2020, 73% cumulative weighted rate change 2017-2024.
- 49 CFR 387.9, Financial responsibility, minimum levels (eCFR). Federal minimum limits that set the floor for liability.
This page explains insurance, not law. Have your attorney review indemnity and contract language; our job is making the insurance match it.