Semi Trailer Insurance in Texas: Things to Know

Learn about Semi Trailer Insurance in Texas—coverage types, costs, best providers, and everything trucking businesses should know

Why Semi Trailer Insurance in Texas Matters

Operating a trucking business in Texas is both rewarding and challenging. The state’s vast highways connect major cities like Dallas, Houston, and San Antonio, while also serving as key routes to Mexico through Laredo and El Paso. With so much freight moving across the state, accidents, theft, and liability risks are always present. That’s why Semi Trailer Insurance in Texas is a must-have for truckers and fleet owners.

Without proper coverage, one accident or lawsuit could put your entire business at risk. Having the right insurance helps protect your assets, ensures compliance with Texas laws, and keeps your trucking operations running smoothly.

What Insurance Do I Need for My Trailer?

If you own or operate a trailer in Texas, you’ll likely need a combination of coverages. The main policies include:

Liability Insurance – Required by law, covering bodily injury and property damage.

Physical Damage Coverage – Pays for repair or replacement of your trailer in case of accident, theft, fire, or vandalism.

Cargo Insurance – Protects the goods you’re hauling, which is essential for shippers.

Uninsured/Underinsured Motorist – Helps when other drivers don’t have adequate insurance.

Non-Trucking Liability – Covers personal use outside of work operations.

The exact coverage depends on your cargo type, business model, and whether you operate locally or across state and national borders.

Legal Requirements for Semi Trailer Insurance in Texas

The Texas Department of Insurance mandates minimum liability coverage based on cargo:

$750,000 for general freight.

$1 million for oil transport.

$5 million for hazardous materials.

These requirements make it crucial to select the right Semi Trailer Insurance in Texas policy that aligns with your operations.

What Is the Cost of Insurance for a Commercial Vehicle?

The cost of insuring a commercial vehicle in Texas varies widely. On average, commercial truck and trailer insurance ranges between $8,000 and $14,000 annually per truck, though rates can be higher depending on risk factors.

Your premium will depend on:

Driving history and safety record.

Type and value of the trailer.

Distance traveled (local vs. long-haul).

Cargo type (hazardous or high-value goods increase costs).

Location of operations (urban routes in Houston or Dallas may carry higher risk than rural hauls).

Maintaining good driving habits, regular maintenance, and safety training can help reduce insurance costs over time.

Who Has the Best Semi Truck Insurance?

Choosing the best provider for Semi Trailer Insurance in Texas depends on your business size, routes, and coverage needs. Some of the  insurers truckers often consider include:

Progressive Commercial – Known for flexible coverage and competitive pricing.

State Farm – Offers personalized customer service and strong local presence.

Berkshire Hathaway (biBERK) – Popular among small and mid-sized fleets.

Sentry Insurance – Specializes in trucking insurance with industry-specific options.

OOIDA (Owner-Operator Independent Drivers Association) – Great for independent truckers looking for specialized support.

The “best” choice varies— Always compare quotes and tailor policies to your operation.

Factors That Affect Semi Trailer Insurance in Texas Costs

Beyond provider selection, premiums are influenced by:

Cargo type – Hazardous or valuable loads cost more.

Mileage – Long-haul drivers usually pay higher premiums.

Trailer type – Specialized trailers (like refrigerated units) require higher coverage.

Safety practices – Fleets with telematics, GPS tracking, and training programs often qualify for discounts.

Tips for Choosing the Best Semi Trailer Insurance in Texas

Get Multiple Quotes – Shop around before deciding.

Bundle Policies – Combine liability, cargo, and trailer coverage for savings.

Work With Specialists – Choose insurers who understand Texas trucking laws.

Review Annually – Update coverage as your business grows.

Ask About Discounts – Many providers reward safe drivers and well-maintained fleets.

Final Thoughts

Trucking is the backbone of Texas’s economy, but it also comes with risks. Having the right Semi Trailer Insurance in Texas ensures that your business is protected from accidents, lawsuits, and unexpected losses. From understanding what coverage you need, to knowing the average cost of commercial vehicle insurance, to identifying the best providers, being informed helps you make smarter decisions.

By investing in the right policy, you not only comply with Texas laws but also safeguard your financial future—and keep your trucks on the road where they belong.