Texas Truck Insurance
Just got your own authority and planning to haul in the Permian Basin, through Laredo, or around Dallas and Houston? Texas is the largest trucking market in the United States with over 100,000 registered motor carriers and the highest freight volume in the nation. From oil field hauling in the Permian Basin to cross-border trade through Laredo, and massive distribution out of Dallas-Fort Worth and Houston, Texas trucking operations span every cargo type and coverage need. Full Coverage compares many A-rated carriers to find the best commercial truck insurance rates for Texas owner-operators, fleets, and new authorities operating anywhere in the Lone Star State.
Full Coverage LLC is licensed in Texas. In business since 2020 Β· BBB A+ (accredited since December 2023) Β· Agency NPN 19601127.
Texas Trucking Insurance Requirements
Federal Requirements
Trucks that cross state lines follow the FMCSA minimums: $750,000 liability for general freight, $1,000,000 to $5,000,000 for hazardous materials.
Coverage We Provide in Texas
Texas Trucking Rules That Affect Your Insurance
Federal rules cover trucks that cross state lines. These are Texas's own rules, read from the state's official pages.
- Who regulates in-state trucking
- The Texas Department of Motor Vehicles (TxDMV) Motor Carrier Division registers carriers operating intrastate commercial motor vehicles in Texas. txdmv.gov Β· checked 2026-10-21
Motor carriers operating INTRAstate commercial motor vehicles on a road or highway in Texas must be registered with the TxDMV Motor Carrier Division.
- USDOT number for in-state trucks
- TxDMV tells carriers operating only inside Texas to register with USDOT as intrastate, not interstate. txdmv.gov Β· checked 2026-10-21
If your operations are conducted exclusively within Texas, register with USDOT as INTRAstate, not INTERstate.
- Minimum liability for in-state hauling
- Private or for-hire intrastate carriers over 26,000 pounds must carry at least $500,000 in liability insurance. txdmv.gov Β· checked 2026-10-21
- How proof of insurance is filed
- The insurance company files Form E (liability proof) and Form K (cancellation) electronically with TxDMV. txdmv.gov Β· checked 2026-10-21
Only your insurance company can file proof of insurance or cancellation.
Texas Truck Insurance by Truck Type
Main Texas freight corridors: I-35 (Laredo to Dallas), I-10 (El Paso to Houston), I-45 (Houston to Dallas), I-20 (Dallas to Midland).
Truck Types We Insure in Texas
Texas Truck Insurance FAQ
Get Truck Insurance in Texas
We compare rates from many carriers to find the best coverage for Texas trucking companies. Get a free quote today.