Texas Trucking Insurance
Licensed. Specialized. Fast.
RMS helps Texas truckers get insured and on the road. New authority? Established carrier? We've got you covered in the Lone Star State.
New authority? We handle the 20-21 day wait period timing.
Texas Insurance Requirements
Texas has specific requirements depending on whether you're staying in-state or crossing state lines. Here's the quick breakdown:
| Your Operation | Minimum Liability | What You Need |
|---|---|---|
| Interstate (most truckers) | $750,000 | USDOT + MC Number |
| Texas-only, general freight | $500,000 | USDOT + TxDMV Number |
| Texas-only, household goods | $300,000-$500,000 | USDOT + TxDMV Number |
| Hazmat | $5,000,000 | Special permits |
Not sure which category you fall into? That's what we're here for. We'll figure out exactly what you need - no more, no less.
Call 208-800-0640Why Texas Truckers Choose Us
The Problem: For new trucking companies, your options are limited. Progressive, Berkshire, GEICO - that's basically it for the first two years. The price is roughly the same no matter who you go through.
"You're not shopping for a policy - you're shopping for an agent."
Trucking Specialists Only
We don't sell home or auto. We know trucking inside and out.
New Authority Experts
We've helped 1,000+ truckers through the 20-21 day FMCSA wait. We time your insurance perfectly.
5-Minute COIs
When a broker needs your certificate NOW, we deliver. Texas freight moves fast.
10-Minute Federal Filings
Your BMC-91 and BOC-3 filed within minutes of binding.
Licensed in Texas
Stewart Hyndman holds our Texas license. We know TxDMV and FMCSA.
"Finally, someone on your side."
That's not just a tagline. It's how we do business.
Texas - The Biggest Trucking Market
Texas has 66,000+ trucking companies - more than any other state. That means:
- More freight opportunities (2.1 billion tons moved annually)
- More competition for loads
- More brokers who need your COI fast
The Corridors That Matter
40% of all US-Mexico trade. Busiest inland port in North America.
Port Houston imports, coast-to-coast freight.
70% of Texas logistics concentrated here.
Running I-35 or I-10? We know these corridors. We know the coverage you need for cross-border work, port deliveries, and everything in between.
Talk to a Texas SpecialistWhat Texas Truckers Typically Need
Auto Liability
Damage/injury you cause to others. $750K minimum for interstate.
Physical Damage
Your truck - collision, theft, fire. Required by most lenders.
Cargo Insurance
The freight you're hauling. Most brokers require it.
General Liability
Non-trucking incidents. Required by some brokers.
Bobtail / NTL
Driving without a trailer. Covers off-dispatch driving.
Our approach: We don't upsell coverage you don't need. We figure out what's required, what's smart, and what's optional - then let you decide.
Carriers we work with: Progressive, Berkshire Hathaway, GEICO, Artisan & Truckers, United Financial
Texas Trucking Insurance Questions
How much does Texas trucking insurance cost?
For new authorities in Texas, expect $8,500-$18,000/year for a single truck with $750K liability. Your actual rate depends on experience, driving record, equipment, and cargo type.
Can RMS insure new trucking companies?
Yes - that's our specialty. Most agencies avoid new authorities because they're harder to place. We've built our business on helping new truckers get started.
How fast can I get a quote?
Same day for most operations. Complex risks (hazmat, specialized cargo) may take 24-48 hours to shop properly.
What if I'm doing cross-border work to Mexico?
We handle it. Laredo, El Paso, Brownsville - we know the coverage requirements for cross-border operations.
I already have insurance but want to switch. Can you help?
Absolutely. We'll quote you, and if we can beat your current rate or offer better service, we'll handle the switch. No pressure.
Trucking Insurance in Other States
Licensed in 40+ states. See all coverage areas
Ready to Get Your Texas Trucking Insurance?
Whether you're a new authority waiting on FMCSA or an established owner-operator shopping rates, RMS is here to help.
1,000+ truckers helped. Licensed in 40 states. Trucking specialists since 2020.