Texas Commercial Auto Insurance

Customizable coverage options for your business vehicles

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Protect your vehicles with commercial auto insurance in Texas

Many of Texas's 3.5 million small businesses need commercial auto insurance to protect against accidents and other risks involving company vehicles. Personal auto policies generally don't cover work-related use because of higher exposure and potential liability.

Over 1.2 million small business owners nationwide trust us to insure their work vehicles. We offer customized coverage to match your needs, whether you own a single food truck in Houston or several contractor vans in Austin.

Start a quote with Progressive Commercial and learn more about your commercial auto insurance options in Texas.

Trusted by over 1.2 million small businesses across the country

Industry Leader

#1 in America^*

Trust your vehicles to the top commercial auto and truck insurer.
Customers

1.2 million+ nationwide

Businesses nationwide count on us for their commercial auto needs.
Experience

50+ years

Supporting small business owners for over half a century.

Commercial auto insurance in Texas 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 typically doesn't cover vehicles used for work.

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Contractors

Contractors who transport tools and supplies or travel between job sites usually need commercial auto insurance. These business activities can require specialized coverage beyond a personal policy.

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Food truck

Food trucks, ice cream vendors, and restaurants depend on commercial vehicles. Most food trucks have expensive permanently attached equipment that a commercial auto policy can cover.

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For-hire livery

Vehicles 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 rideshare services may also require commercial coverage.

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Heavy truck

We're the #1 truck insurer in the nation,^Δ protecting everything from dump trucks to semi 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 for wreckers, rollbacks, and roadside repair vehicles. Specialty tow coverages like on-hook and garagekeepers legal liability can help cover a customer's vehicle while it's in your care.

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How much is commercial auto insurance in Texas?

In 2025, the national average monthly cost for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.^‡‡ Keep in mind that your Texas commercial auto insurance rate will vary based on your business, eligible auto insurance discounts, and the following factors.

Profession

Some industries have more risk than others. For example, a contractor who carries tools and equipment to job sites may pay more than an attorney who primarily drives to client appointments.

Vehicle

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

Driving history

A clean driving history without accidents or violations can help lower your premium. Insurers typically review the last three years of motor vehicle reports for all drivers.

Location

Larger cities like Dallas often see more claims and higher repair expenses than smaller towns, such as Wimberley. Insurers also consider how often severe weather occurs in your area, including hurricanes and tornadoes.

Travel radius

How far you routinely travel can influence your commercial auto rate. For example, a local route within San Antonio's city limits may be considered lower risk than a regional route across Texas.

Coverage needs

The amount of coverage you need affects your rate. Policies carrying only Texas's minimum liability limits of 30/60/25 usually cost less than those with a $1 million limit.

Understanding Texas's commercial auto insurance split limit

Texas's minimum liability requirement is 30/60/25, which is known as a split limit. It has three parts that show the most your insurance will pay if you cause an accident:

$30,000 for injuries to one person
$60,000 for injuries to everyone in the accident
$25,000 for damage to property

Learn more about liability coverage, and then start a quote with us today to learn more about coverage limits and other options for commercial auto insurance in Texas.

Texas commercial auto insurance requirements

Texas law requires at least $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident. Some vehicles and operations may need higher limits.

Auto policies in Texas also include personal injury protection (PIP), which pays driver and passenger medical expenses. However, you can sign a waiver to decline this coverage.

State minimum limits may not fully protect your business. Choosing coverage that matches your risk can help safeguard your assets. Whatever your needs, the insurance specialists at Progressive Commercial will work with you to find a policy. Call us or start an online quote.

Texas commercial auto resources:

Automobile Insurance in Texas (Texas Department of Insurance)
Motor Carrier Permit Information (DOT Operating Authority)

Common professions that need commercial auto insurance in TX:

See more examples of professions we insure.

Get Texas commercial auto insurance with Progressive Commercial

We're the #1 commercial auto insurer^* in the country, protecting over 2.3 million commercial vehicles. Here are a few of the many reasons small business owners trust us:

Expert policy service by phone or online

Our expert customer service representatives are available 24 hours a day on weekdays and between 6:30 a.m. and 2 a.m. on weekends. If you want to adjust your policy, request an insurance certificate, or pay a bill, we're here to help.

Specialized commercial claims adjusters

Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast.

Discounts^†

Save 10% or more when you pay in full on commercial auto insurance, and take advantage of our commercial auto discounts to get an affordable rate for your Texas policy.