How much truck liability insurance does Texas require?

Interstate for-hire carriers of general freight must carry at least $750,000 in liability under FMCSA rules, though most shippers and brokers require $1,000,000. Higher limits apply to hazardous materials. Intrastate Texas carriers file minimum limits through TxDMV based on vehicle weight and cargo.

Does commercial auto liability include the MCS-90?

Yes. When your policy is filed on your interstate authority, it carries the MCS-90 endorsement, which guarantees the public is paid for injury or damage up to the federal minimum even if a coverage dispute exists. It is a federal safety-net endorsement, not a replacement for your liability limit.

Commercial Auto Liability Insurance

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.

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Auto liability is the foundation of every trucking program and the coverage the federal government ties your operating authority to. For most interstate for-hire carriers, FMCSA requires at least $750,000 in liability (commonly written at $1,000,000), filed on your authority as proof of financial responsibility.

What it covers

Bodily injury you are legally liable for in an at-fault accident
Property damage to other vehicles, cargo, and structures
Legal defense costs when your fleet is sued
The federal MCS-90 endorsement that satisfies FMCSA financial responsibility

Who needs it

Every motor carrier operating in Texas. Interstate for-hire fleets must keep liability on file with FMCSA; intrastate Texas carriers file through TxDMV.

Common questions

How much truck liability insurance does Texas require?: Interstate for-hire carriers of general freight must carry at least $750,000 in liability under FMCSA rules, though most shippers and brokers require $1,000,000. Higher limits apply to hazardous materials. Intrastate Texas carriers file minimum limits through TxDMV based on vehicle weight and cargo.
Does commercial auto liability include the MCS-90?: Yes. When your policy is filed on your interstate authority, it carries the MCS-90 endorsement, which guarantees the public is paid for injury or damage up to the federal minimum even if a coverage dispute exists. It is a federal safety-net endorsement, not a replacement for your liability limit.