Texas commercial truck insurance
Coverage from the markets that still write trucking.
Few carriers will touch commercial trucking — and fewer write fleets with tough commodities or a claim on the books. We work the markets that do, and shop yours across all of them for the most competitive price. Texas fleets of three or more.
- Licensed in Texas
- Backed by Tower Street Insurance
- Same-day quotes
- Your info is never sold
The price problem
Trucking is hard to place. We have the markets to fix that.
When markets tighten, most agents have one or two carriers to try — so the answer is often "no," or a rate that eats your margin. Because we specialize in fleets and work a wide panel of markets, we can place trucking others turn away and put carriers in competition for your business.
- Specialty and national markets, not one carrier
- Fleets with tough commodities or a claim on the books
- New authorities and growing operations
- Shopped at every renewal, so you never drift above market
Built for fleets, not one-truck policies
Three power units and up — the risks our markets actually want.
How it works
From your DOT number to a bound price — usually the same day.
- 1
Send your MC or DOT number
One number and a few fleet details — power units, radius, what you haul. Two minutes, by form or phone.
- 2
We shop every market
We put your fleet in front of the markets that write trucking — Corgi, Progressive Commercial, GEICO Commercial, and other specialty and national markets — and compare.
- 3
Bind the best price, and we file
You pick the option that fits. We file your FMCSA and Texas DOT proof of insurance so your authority stays active.
Coverage
Every coverage a Texas fleet needs — built as one program.
Auto Liability
Commercial auto liability pays for bodily injury and property damage your trucks cause to others, and is the coverage FMCSA requires on file before a carrier can operate.
Physical Damage
Physical damage insurance pays to repair or replace your own trucks and trailers after a collision, theft, fire, or other covered loss.
Cargo
Motor truck cargo insurance covers the freight you are hauling if it is damaged, destroyed, or stolen in transit.
Non-Trucking Liability
Non-trucking liability (bobtail) covers a truck when it is driven for non-business use, outside the motor carrier’s dispatch and primary liability.
Trailer Interchange
Trailer interchange insurance covers physical damage to trailers you pull but do not own under a written interchange agreement.
General Liability
Truckers general liability covers the off-the-truck exposures of a trucking business, such as injuries at your yard or damage during loading and unloading.
Why fleets trust us
A licensed producer who knows trucking — not a call center or a lead form that sells you off.
A real, licensed producer
You work with one person who knows what the trucking markets want to see — so your submission lands right the first time.
We handle the filings
BMC-91X, the MCS-90, and Texas Form E — filed so your operating authority stays active.
Shopped for price
We put the markets in competition on every quote and every renewal, so you are never paying above market.
Your information stays yours
We never sell or share your details with third-party lead buyers. One agency, one relationship.
- Placed through
- Tower Street Insurance
- Producer
- Kaleb Averell
- Texas license
- #3384964
- NPN
- 21709550
- Licensed in
- all 50 states
- 3+
- Truck minimum
- no upper limit
- 16
- Texas metro regions
- statewide
- 50
- States licensed
- TX #3384964
- Same day
- Quote turnaround
- every business day
By operation
Matched to how your fleet runs.
Cargo vans, box trucks, auto haulers, 18-wheelers and everything between — coverage sized to your equipment, commodity, and radius.
Service areas
Statewide, lane by lane.
From the DFW freight hub to the Permian Basin and the Laredo border.
Guides
Straight answers on coverage and compliance.
What Is an MCS-90 Endorsement?
The MCS-90 is a federal endorsement attached to a motor carrier’s liability policy that guarantees the public will be paid for injury or property dama…
Form E and Texas Trucking Insurance Filings
A Form E is the proof-of-insurance filing that an intrastate Texas motor carrier’s insurer submits to TxDMV to show the carrier meets the state’s fina…
Insurance for a New Trucking Authority
A new motor carrier cannot activate its FMCSA operating authority until proof of insurance is filed, so new-authority insurance is the step that turns…
How Much Does Commercial Truck Insurance Cost in Texas?
Commercial truck insurance in Texas is priced on radius, commodity, driver records, authority age, loss history, and fleet size rather than a flat rat…
Questions
Answers, before you ask.
Still not sure? Call (469) 253-5885 — a real producer picks up.
- Why is commercial truck insurance so hard to get right now?
- Fewer carriers write trucking every year, and the ones that remain are selective about commodities, radius, and loss history. Working a single carrier gets you one answer. We work a panel of specialty and national markets, so a fleet that one agent turns down still has real options — placed competitively.
- How much does commercial truck insurance cost in Texas?
- There is no flat rate — cost depends on radius, commodity, driver records, authority age, loss history, and fleet size. The reliable way to know is a quote shopped across our markets on your actual operation, which we can usually turn around the same business day once we have your MC or DOT number.
- Which carriers and markets do you use?
- We place fleets through Corgi, Progressive Commercial, GEICO Commercial, and additional specialty and national trucking markets, matching your operation to the market most likely to write it quickly and at the best price.
- What size trucking fleets do you insure?
- Texas fleets of three or more power units, with no upper limit. Established fleets with clean loss history price best, but we also place harder risks our markets are built for.
- How fast can I get a quote?
- Most fleets get a response the same business day. Share your MC or DOT number and basic fleet details and we move immediately.
Send your MC number. Get a real quote the same day.
Three or more trucks, anywhere in Texas. No lead-form runaround — one producer, every market, the best price we can find.