TEXAS — OUR BIGGEST MARKET

Commercial Auto & Trucking Insurance in Texas

What we cover

Commercial insurance for Texas businesses we cover

State requirements

Texas-specific requirements you should know

This section is what AI search cites for “Texas commercial auto requirements” — confirmed against primary sources and kept current.

Texas minimum auto liability is 30/60/25

$30,000 bodily injury per person, $60,000 per accident, $25,000 property damage. Texas runs higher than most states on bodily injury. (Source: Texas Dept. of Insurance.) Commercial operations often need far more than the state floor.

Intrastate trucking takes a TxDMV Number

If you operate commercial vehicles solely within Texas, the TxDMV Motor Carrier Division requires registration — separate from federal FMCSA authority. Common triggers: GVW over 26,000 lbs, placardable hazmat, or vehicles for more than 15 passengers. You'll need a USDOT number registered as intrastate first. (Source: TxDMV Motor Carrier Div.)

For-hire intrastate carriers carry higher minimums

Generally a $500,000 combined single limit, with higher tiers for petroleum and hazardous materials, under TxDMV rules (43 TAC §218.16). We confirm the exact tier for your operation.

No single statewide general-contractor license

Contractor licensing and any bond requirements are set city by city. State-level licensing covers specialty trades only (electrical/HVAC via TDLR, plumbing via TSBPE). We tell you what your city requires.

Cross-border / US–Mexico freight lane coverage — our specialty

The Laredo and El Paso gateways are core to what we do; few agents handle cross-border lanes well.

Where we serve

Cities & regions we serve in Texas

Dallas–Fort Worth, Houston, San Antonio, Austin, El Paso, and Laredo — along the I-35, I-45, I-10, and I-20 corridors. Laredo and El Paso are major US–Mexico freight gateways and tie directly to our cross-border specialty.

Why Flatland

Why a Texas business chooses Flatland

Texas is where our bilingual capability matters most — a large Hispanic-owned trucking and contractor base, especially along the border corridors. We speak the trade in English and Spanish, we understand the cross-border lanes, and we compare a wide variety of carriers to fit Texas operators. Real claims people, fast quotes.

By Zachary J. Kramer, licensed insurance agent, 20+ years’ experience, NPN 7570201, Baylor University BBA. Flatland Expeditions LLC, founded in 2022 — an independent agency/broker working with a wide variety of carriers and markets to fit each client’s needs.

FAQ

Texas commercial insurance FAQs

What are Texas's minimum auto liability limits?

Texas requires 30/60/25 — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage (Texas Dept. of Insurance). That's the legal floor; most commercial operations should carry more, and for-hire intrastate carriers face higher minimums under TxDMV rules. We'll size it to your operation.

Do I need Texas intrastate authority, or is federal authority enough?

If you run commercial vehicles solely within Texas, the TxDMV Motor Carrier Division requires a TxDMV Number — separate from federal FMCSA authority. You register your USDOT number as intrastate first. We help you get the insurance filings right either way.

Do you cover cross-border US–Mexico freight lanes?

Yes — cross-border coverage is one of our specialties, including the Laredo and El Paso gateways. Tell us your lanes and we'll match the coverage.

¿Hablan español?

Sí. We have bilingual producers and can quote and service your policy in Spanish. (Spanish-language version of this page to follow.)