Why is commercial truck insurance so hard to get right now?

Fewer carriers write trucking every year, and the ones that remain are selective about commodities, radius, and loss history. Working a single carrier gets you one answer. We work a wide panel of specialty and national markets, so a fleet that one agent turns down still has real options at a competitive price.

How do you get a competitive price on trucking?

Because we specialize in fleets and work a wide panel of specialty and national trucking markets, we can put your operation in front of the markets most likely to write it and let them compete. One agent with one carrier gets you one answer. We bring back the strongest coverage at the best price we can find.

What size trucking fleets do you insure?

Texas fleets of three or more power units, with no upper limit, from cargo vans to 18 wheelers. Established fleets with clean loss history price best, but we also place the harder risks our markets are built for.

How fast can I get a quote?

Most fleets get a response the same business day. Share your MC or DOT number and basic fleet details and we move immediately.

Semi truck hauling freight on an open Texas highway

Texas commercial truck insurance

The best coverage for your fleet, at the best price in Texas.

Commercial trucking is one of the hardest risks to insure, and most agents have one or two carriers to try. We specialize in fleets, so we shop your coverage across the markets built for trucking and bring back the strongest protection at the most competitive price. Texas fleets of three or more, from cargo vans to 18 wheelers.

Get my fleet quote (469) 253-5885

Licensed in Texas
Backed by Tower Street Insurance
Same-day quotes
Your info is never sold

Why fleets choose us

Specialty markets built for trucking One licensed producer, start to finish We never sell your information

The price problem

Trucking is hard to place. We have the markets to fix that.

When markets tighten, most agents have one or two carriers to try, so the answer is often "no," or a rate that eats your margin. Because we specialize in fleets and work a wide panel of markets, we can place trucking others turn away and put carriers in competition for your coverage and your price.

Specialty and national markets, not one carrier
Fleets with tough commodities or a claim on the books
New authorities and growing operations
Shopped at every renewal, so you never drift above market

See what we can get your fleet Call (469) 253-5885

A fleet of commercial trucks lined up in a yard

Built for fleets, not one-truck policies

Three power units and up: the risks our markets actually want.

How it works

From your DOT number to the right coverage, without the runaround.

1

Send your MC or DOT number

One number and a few fleet details: power units, radius, and what you haul. Two minutes, by form or phone.
2

We shop it across our markets

We put your fleet in front of the specialty and national markets built for trucking and compare what each one will do for your coverage and your price.
3

You pick the best option, we file

We walk you through the coverage and the price, you choose what fits, and we file your FMCSA and Texas DOT proof of insurance so your authority stays active.

Coverage

Every coverage a Texas fleet needs, built as one program.

All coverages

Auto Liability

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.

Physical Damage

Physical damage insurance pays to repair or replace your own trucks and trailers after a collision, theft, fire, or other covered loss.

Cargo

Motor truck cargo insurance covers the freight you are hauling if it is damaged, destroyed, or stolen in transit.

Non-Trucking Liability

Non-trucking liability (bobtail) covers a truck when it is driven for non-business use, outside the motor carrier’s dispatch and primary liability.

Trailer Interchange

Trailer interchange insurance covers physical damage to trailers you pull but do not own under a written interchange agreement.

General Liability

Truckers general liability covers the off-the-truck exposures of a trucking business, such as injuries at your yard or damage during loading and unloading.

Why fleets trust us

A licensed producer who knows trucking, not a call center or a lead form that sells you off.

A real, licensed producer

You work with one person who knows what the trucking markets want to see, so your submission lands right the first time.

We handle the filings

BMC-91X, the MCS-90, and Texas Form E, filed so your operating authority stays active.

Shopped for price

We put the markets in competition on every quote and every renewal, so you are never paying above market.

Your information stays yours

We never sell or share your details with third-party lead buyers. One agency, one relationship.

Licensed & accountable

Placed through: Tower Street Insurance
Producer: Kaleb Averell
Licensed in: all 50 states

Talk to Kaleb

3+
Truck minimum: no upper limit; 16
Texas metro regions: statewide; 50
States licensed: Texas based, licensed nationwide; Same day
Quote turnaround: every business day

By operation

Matched to how your fleet runs.

Cargo vans, box trucks, auto haulers, 18 wheelers and everything between. Coverage sized to your equipment, commodity, and radius.

Dump Truck Flatbed Truck Reefer Truck Tanker Truck Hotshot Truck Cargo & Sprinter Van Box Truck Auto Hauler Oilfield Sand & Water Hauler Tow Truck Dry Van Cement & Concrete Mixer Livestock Hauler Heavy Haul & Oversized Load Intermodal & Drayage

Service areas

Statewide, lane by lane.

From the DFW freight hub to the Permian Basin and the Laredo border.

Dallas–Fort Worth Houston San Antonio Austin Laredo Midland–Odessa El Paso Lubbock Corpus Christi Beaumont–Port Arthur Waco Amarillo Tyler–Longview Rio Grande Valley Abilene Killeen–Temple

Guides

Straight answers on coverage and compliance.

All guides

Answers, before you ask.

Still not sure? Call (469) 253-5885 and a real producer picks up.

Why is commercial truck insurance so hard to get right now?: Fewer carriers write trucking every year, and the ones that remain are selective about commodities, radius, and loss history. Working a single carrier gets you one answer. We work a wide panel of specialty and national markets, so a fleet that one agent turns down still has real options at a competitive price.
How much does commercial truck insurance cost in Texas?: There is no flat rate. Cost depends on radius, commodity, driver records, authority age, loss history, and fleet size. The reliable way to know is a quote shopped across our markets on your actual operation. Share your MC or DOT number and we go to work.
How do you get a competitive price on trucking?: Because we specialize in fleets and work a wide panel of specialty and national trucking markets, we can put your operation in front of the markets most likely to write it and let them compete. One agent with one carrier gets you one answer. We bring back the strongest coverage at the best price we can find.
What size trucking fleets do you insure?: Texas fleets of three or more power units, with no upper limit, from cargo vans to 18 wheelers. Established fleets with clean loss history price best, but we also place the harder risks our markets are built for.
How fast can I get a quote?: Most fleets get a response the same business day. Share your MC or DOT number and basic fleet details and we move immediately.

Commercial truck on an open highway at dusk

Send your MC number. Get a real quote the same day.

Three or more trucks, anywhere in Texas. No lead-form runaround. One producer, every market, the best coverage at the best price we can find.

Get my fleet quote Call (469) 253-5885