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commercial trucking insurance for texas

TEXAS DESERVES THE BEST COMMERCIAL TRUCKING INSURANCE

Texas, the Lone Star State, is known for its large cities, diverse landscapes, Tex-Mex cuisine, and trucking. The trucking industry is big business in Texas, supporting more than 1.1 million jobs and generating more than $62 billion in labor income. Texas truck drivers deserve the best commercial trucking insurance available, and Joe Morten & Son is here to help.

Whether you’re in Dallas or Denton, Austin or Amarillo, we can offer industry-leading commercial trucking insurance through Great West Casualty Company. The team at Joe Morten & Son can customize insurance protection plans to meet the needs of every trucker on the road. 

Our customers enjoy peace of mind, knowing that they can get coverage from one source for all their truck insurance needs. For all commercial truck insurance policies we write, Joe Morten & Son is driven to serve!

CHAT WITH A COMMERCIAL TRUCK INSURANCE EXPERT.

You need to protect your trucking business. We’re 100% focused on trucking insurance.  Call 877.294.1446 or click

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Commercial Trucking Insurance Available in Texas

Both Texas and the FMCSA have minimum requirements for anyone seeking Texas commercial truck insurance. If you have your own authority, you will need primary liability insurance. And if you have employees, many states require that you carry workers compensation insurance. A leased owner operator may choose non-trucking use liability insurance or coverage for downtime, towing, and emergency expense coverage.

The advantage of choosing Joe Morten & Son for your trucking company insurance needs is that we will help you customize coverage for your specific operation, whether you have one truck or 500. Because trucking is all we do, Texas motor carriers can trust that their coverage will match their needs.

HERE ARE SOME OF THE SEMI-TRUCK INSURANCE COVERAGES WE OFFER:

Commercial Trucking INSURANCE SOLUTIONS

What does commercial trucking insurance cost in Texas?

Several factors influence the cost of owner operator truck insurance, including:

  • Business type
  • Vehicle
  • Location
  • Coverage needs
  • Driving history
  • Operating radius

Learn more about how these and other factors specifically affect your owner operator insurance cost by talking to a Joe Morten & Son agent.

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Texas Commercial Trucking Insurance Cities

  • Abilene
  • Amarillo
  • Austin
  • Bryan
  • Brownsville
  • Corpus Christi
  • Dallas
  • Denton
  • El Paso
  • Fort Worth
  • Houston
  • Killeen
  • Midland
  • Mission
  • Odessa
  • Plano
  • San Antonio
  • Tyler
  • Waco
  • Wichita Falls
  • Laredo
  • Longview
  • Lubbock
  • McAllen

Texas Commercial Trucking Insurance FAQ

The purchase of commercial trucking insurance is just the beginning of a long-lasting relationship between Joe Morten & Son and its customers. Whether a coverage question or help with an insurance certificate, if you need us for any reason, we urge you to contact us. In the meantime, here's a list of questions we're frequently asked, with some helpful answers.

What commercial vehicle insurance requirements are there in Texas?

The federal government requires certain motor carriers to obtain permission before operating trucks and/or hauling certain goods. Because of the size and weight of commercial trucks, they are capable of, and often do, a great deal of damage. The government wants to be sure the public is protected by guaranteeing funds are available to pay for such damages. Also, since most motor carriers are carrying others' goods, the government also wants to be sure funds are available to repair/replace cargo damaged during transportation.

As a part of the process of obtaining federal authority to be able to haul across state lines, the government requires certain motor carriers to provide proof of financial responsibility before they are allowed to operate. This is typically done by purchasing insurance. The federal government requires $750,000 in insurance limits at a minimum. Many insurers require $1,000,000 in limits at a minimum.

What forms do you need to file to drive a truck in Texas? That varies depending on your freight and the locations you haul. Your truck insurance agent can help ensure that you have filed the proper paperwork to operate under your own authority in Texas. Paperwork has to be submitted to the state before a driver can operate under his or her own authority.
How much freight is hauled each year in Texas? Every year, truck drivers move 1.5 billion tons of freight, with a total value of $1.2 trillion, to, from, and within Texas. That amounts to 8.1 billion miles and includes 3.3 million northbound border crossings. (Source: TDOT)
What are the top commodities hauled by commercial trucks in Texas? Overall, top exports from Texas include petroleum and coal products, computer & electronic products, chemicals, machinery, and transportation equipment. Although almost all sectors of exported products are moved by truck in Texas, the top commodities moved by truck include agricultural products such as animals, animal feed, fish, grains, and fertilizer. (Source: thetrucker.com)
How many miles of interstate are there in Texas? Texas has 16 interstate highways, with more interstate (centerline) mileage than any other state, totaling just over 3,200 miles. There are over 300,000 miles of public roadway in Texas. (Source: TDOT)
How much do Texas truck drivers get paid? Wages for truck drivers vary wildly, depending on the source. According to Zippia, in December 2023, the average truck driver salary in Texas was $50,515, with wages varying from a low of $33,000 to a high of $76,000 a year.
How many trucking companies are there in Texas? There are about 185,000 truck drivers employed at more than 66,000 trucking companies in Texas. One in 16 Texans is employed by the trucking industry; the average salary is $34,500. (Source: texas.gov)
What education is required to drive a commercial truck in Texas? Want to get started in the trucking business? You will be required to obtain a commercial driver’s license (CDL). Good news - there are more than 100 CDL schools in Texas, some private and some postsecondary institutions. (Source: texas.gov)
How much of Texas's truck trade is with Mexico? A full 85 percent of trade between Texas and Mexico is handled by trucks. Texas is connected to Mexico by 28 international vehicular bridges. Seventeen of these crossings accommodate commercial import and export traffic. Mexico is the top international destination for Texas exports.
What is the Texas Trucking Association? Since 1932, the Texas Trucking Association (TXTA) has served as the unified voice for the trucking industry in Texas. TXTA is dedicated to advocating on behalf of Texas motor carriers and the motor transportation system in the Lone Star State. Learn more here.