Texas Commercial Auto Insurance

Customizable coverage options for your business vehicles

Protect your business vehicles with a Texas commercial auto policy

Many of Texas’s 2.7 million small businesses need commercial auto insurance to protect from accidents and other liabilities involving their business vehicles. Personal auto policies usually don’t cover vehicles used for business because they’re generally exposed to more liability than personal autos.

Hundreds of thousands of small business owners across the nation trust us to protect their work vehicles. Each get customized coverage to match their specific needs whether they own a single food truck in Houston or several contractor vans in Austin.

Commercial auto coverage for a variety of business types:

Business Auto

Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance usually doesn’t cover vehicles used for work purposes.

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Contractors need commercial auto coverage for things like transporting various tools and supplies and traveling between job sites. These are business-related activities that need the additional protection of a commercial policy.

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Food Truck

Food trucks and other food service businesses like restaurants and ice cream vendors depend on their commercial vehicles. Most food trucks have expensive equipment attached to them that a commercial auto policy can cover.

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For-Hire Livery

Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing vehicles might require commercial coverage.

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Heavy Truck

We’re the #1 truck insurer in the nation*, insuring everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services is accessible whether you’re driving locally or outside of Texas.

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Tow Truck

We offer protection whether you own a wrecker, rollback or roadside repair vehicle. You can add specialty tow coverages like On-hook and Garagekeepers Legal Liability to protect you when a customer’s vehicle is in your possession.

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Texas commercial auto insurance cost

Several factors affect the cost of your Texas commercial auto policy, including your:


Some industries have more risk than others. A contractor who carries tools and equipment to various job sites every day can expect to pay more than an attorney who occasionally visits clients.


Your vehicle’s size and use affect your rate. A large utility truck with a refrigerator and deep fryer will likely have a higher premium than a small cargo van with minimal equipment.

Driving history

Your commercial auto provider will run a motor vehicle report on all drivers with access to your commercial vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.


It’s common to pay more for commercial auto coverage in a larger city like Dallas than a smaller city like Beaumont. Keep in mind, locations with above average claims are typically priced higher than other locations. Areas susceptible to weather-related events such as hurricanes and tornadoes are also factors.

Travel radius

The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within San Antonio’s city limits is considered lower risk than a vehicle with a regional route that covers all of Texas.

Coverage needs

The amount of coverage you need affects your rate. Policyholders with the Texas state minimum liability limits of 30/60/25 will pay less than a policyholder needing a combined single limit of $1M.

Did you know?

Texas’s state minimum liability limit 30/60/25 is called a split limit. It separates, or “splits”, the dollar amounts payable by your insurer for bodily injury and property damage into three groups. By choosing Texas’s state minimum limits, your policy will pay up to:

  • $30,000 for each person injured in an accident
  • $60,000 for all people injured in an accident
  • $25,000 for all property damaged in an accident

Learn more about liability coverage.

Discover ways to save on your commercial auto insurance.

Texas commercial auto insurance requirements

Texas state law requires all commercial auto policies to have a minimum liability limit of $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage (i.e. 30/60/25). Some policies are required to carry higher limits based on the types of vehicles listed.

Personal injury protection (PIP) is also required by Texas state law for policies with liability coverage. However, you can sign a waiver to decline this coverage.

It’s important to select limits that are best for your business in addition to what’s required by Texas state law. Lacking enough coverage for your specific risk could leave you responsible for expensive debts and jeopardize the financial health of your business.

Texas commercial auto resources:

Common professions that need commercial auto insurance in TX:

Browse more examples of professions we insure.

Get Texas commercial auto insurance with Progressive

We’re the #1 commercial auto insurer* in the country, insuring over 1.5 million commercial vehicles. Here are a few of the many reasons small business owners trust us:

24/7 policy service by phone or online

We understand you might need help outside of regular business hours whether you need to adjust your coverages, request an insurance certificate or pay a bill.

Specialized commercial claims adjusters

Our in-house adjusters are specialized in handling commercial auto claims to help you get back on the road fast after an accident.


Save up to 15%** by paying your policy in full and take advantage of our other commercial discounts to get the best rate for your Texas policy.

Business insurance options

In addition to commercial auto insurance, we can help you find other business coverages including general liability, professional liability, cyber insurance and more.

Commercial auto insurance anywhere in Texas

We offer Texas commercial auto insurance statewide including these major cities:

  • Houston
  • San Antonio
  • Dallas
  • Plano
  • Laredo
  • Austin
  • Fort Worth
  • El Paso
  • Arlington
  • Corpus Christi

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*No. 1 commercial auto insurer from SNL Financial’s 2019 national written premium data.
**Discount does not apply to UM/UIM or for certain market tiers, and is lower in WA, on six-month policies in FL, and for certain grandfathered renewals in CO, GA, IL, LA, MD, MN, MO, NJ, OH & VA.
Discounts vary and may not be available in all states and situations.