Texas truck insurance from people who only insure trucks
State & Co Insurance LLC is a family owned independent agency, and trucking insurance is all we do. Since 2010 we have helped owner-operators and small fleets get covered right, and we shop 15+ A-rated carriers to find the right fit instead of the first quote. We are licensed in 34 states, and Texas is one of them.
Texas moves more freight than just about anywhere. I-10, I-20, I-35, and I-45 all run through the state, the Permian Basin drives constant oilfield hauling in the west, and the Port of Houston feeds container freight into Dallas-Fort Worth and beyond. Between energy, agriculture, manufacturing, and cross-border trade, Texas truckers have no shortage of work, and they need insurance built for it.
Coverage built for Texas truckers
- Primary liability. Texas interstate carriers need the federal minimums filed to keep authority active, and $1,000,000 liability is the broker standard across the state. Oilfield work often comes with even higher contractual requirements, so we build your liability around the jobs you actually run.
- Cargo coverage. From oilfield equipment to Port of Houston containers to ag products, Texas cargo is diverse and sometimes high value. $100,000 cargo is the common broker ask, and we check the policy for exclusions that could leave you exposed on your usual freight.
- Physical damage. Hail, severe storms, and long miles wear on Texas equipment. We set your stated value honestly and pick a deductible you can live with, so weather or a wreck does not park your truck for good.
- Non-trucking liability. If you are leased to a carrier, this covers your off-dispatch miles, personal runs and trips home. A small premium that closes a gap every leased driver has.
- Trailer interchange. Drayage out of the Port of Houston and drop-and-hook around Dallas-Fort Worth distribution means pulling other companies’ trailers. Interchange coverage protects you while that trailer is in your care.
- Workers comp / occupational accident. Texas is unusual: workers comp is not mandatory for most private employers, but that does not mean you can skip protection. Leased-on drivers usually carry occupational accident, and fleets with employees need to think carefully about their exposure. We will walk you through the options.
- General liability. Oilfield sites, ports, and shippers across Texas frequently require general liability on top of your trucking policy. If your customer demands it, we add it.
New authority in Texas
- Your BMC-91 filing. We file your proof of insurance with the FMCSA so your new authority activates without delays. You handle the business side, we handle the filing.
- Your UCR registration. Texas interstate carriers register under the Unified Carrier Registration every year. We will make sure you know it is required and help you stay compliant.
- Watch the minimum limits trap. Federal minimum is $750,000 liability for general freight, but new authority carriers on minimums will struggle to find good freight in Texas. Brokers and oilfield customers expect $1,000,000 liability and $100,000 cargo. Budget for it from the start.
What truck insurance costs in Texas
A typical owner-operator running a full package (liability, cargo, physical damage) in Texas usually lands around $12,000 to $18,000 per year. New authority carriers should expect $18,000 to $30,000 or more in the first year. Texas-specific note: oilfield and energy hauling in the Permian Basin can push premiums higher because of the exposure and tougher insurance requirements on those jobs, while standard dry van and reefer work on the interstate corridors tends to price in the normal range.
Cities we serve across Texas
- Houston with the Port of Houston, petrochemical freight, and massive distribution on I-10 and I-45.
- Dallas-Fort Worth one of the country’s biggest freight hubs, with distribution running on I-20, I-35, and I-45.
- San Antonio on the I-35 corridor with cross-border trade and manufacturing freight.
- El Paso with heavy cross-border freight and I-10 corridor traffic.
- Midland in the Permian Basin, the center of Texas oilfield hauling.
Why truckers use an independent agent
We are independent, which means we shop your coverage across 15+ A-rated carriers instead of selling you one company’s policy. We re-shop your renewals so you are not stuck overpaying year after year. One call to us handles certificates, endorsements, and policy changes. And when something goes wrong, you call us, not a 1-800 number. We know your name and your operation.
Frequently asked questions
How much does truck insurance cost in Texas?
Most owner-operators pay $12,000 to $18,000 per year for a full package. New authority carriers usually pay $18,000 to $30,000 or more in year one. Record, equipment, cargo, and lanes all factor in.
What are the minimum insurance limits in Texas?
Interstate carriers need $750,000 liability for general freight and $300,000 for household goods under federal rules. Brokers typically require $1,000,000 liability and $100,000 cargo, and oilfield work often demands more.
Can I get insurance with a brand new MC number in Texas?
Yes. We insure new authority carriers in Texas regularly. Expect higher first-year premiums and carry $1,000,000 liability and $100,000 cargo so you can book good freight.
Does Texas require workers comp for truck drivers?
Texas does not mandate workers comp for most private employers, which is unusual. But that leaves you exposed without coverage, so most leased-on drivers carry occupational accident and fleets with employees arrange their own protection. We will help you figure out the right setup.
I want to haul in the Permian Basin oilfield. What do I need?
Oilfield hauling usually means higher liability limits and site-specific insurance requirements from the producers. We write oilfield truckers and can build the policy to meet what the energy companies require.
How fast can I get covered?
Most of the time we can quote you the same day and bind within 24 to 48 hours. Call (980) 475-8075 and we will get moving.
State & Co Insurance LLC
11220 Elm Lane Suite 202, Charlotte, NC 28277
(980) 475-8075 | kevin@statecoinsurance.com
