How much does commercial auto insurance cost in Texas?

Start with the vehicles, drivers and work

There is no single Texas commercial auto price that reliably describes a contractor’s pickup, a delivery van and a multi-vehicle service fleet. Liberty Union Insurance Group, Inc. helps businesses compare quotes using the actual operation: vehicle ownership and value, driver history, garaging, travel radius, business use, prior losses and requested limits.

A low advertised premium is not a meaningful comparison unless the vehicles, drivers, covered uses, limits and deductibles match. Tell us about towing, deliveries, employee take-home vehicles, interstate trips and any use that has changed since the last renewal.

Prepare a quote that can be compared

• List each vehicle, VIN, ownership, garaging address and estimated annual mileage.
• Identify drivers and their duties; arrange a secure way to provide sensitive driver information.
• Gather current declarations, loss runs and customer insurance requirements.
• Separate liability, comprehensive, collision, hired/non-owned liability and umbrella needs.
• Compare deductibles against the cash your business can comfortably use after a loss.

Why can contractor fleet insurance be expensive?

Frequent trips between jobs, multiple drivers, trailers, heavy vehicles and congested routes can increase exposure. Serious injuries can also make liability losses much larger than the cost to repair a truck. A useful renewal conversation addresses driver selection, vehicle maintenance, accident reporting and the coverage being purchased—not only the premium.

Ask Liberty Union to explain differences between proposals before choosing. A cheaper option with a different covered-auto scope or a higher deductible may solve a different problem.