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Truck Insurance in Texas

Truck insurance is a coverage that is important for the owners or those operating the trucks due to the various risks that are associated with the field including accidents, theft as well as liability. Considering that the work of trucks is very specific in Texas, it is important to have a minimum insurance as a back up.

CINCO understands the complexities of the trucking industry in Texas and specializes in helping truck owners find the best insurance options tailored to their needs, with a deep understanding of state regulations and industry standards.

Why Do I Need Truck Insurance In Texas?

This coverage is intended to provide for compensation for other people’s property or for medical bills in case of accidents.

It embraces the costs of repairing or replacing your truck after an accident, theft or in cases of non-collision incidents.

This insurance also seeks to protect the actual value of the commodities that is being transported.

Truck insurance in case of an accident pays for the damages on other vehicles or property and the medical bills of the people involved.

It also shield you from expense in cases where your car is involved with other uninsured or underinsured drivers.

How Much Does Truck Insurance Cost In Texas?

It is possible to find very considerable differences in the prices due to the type of the truck you need, the coverage you require, and your clean record. The insurance of the commercial trucks is approximated to range from $1,500$3,500 a year for the truck owners while the owner operators may be required to pay between $8,000 - $12,000 a year.

Truck Type

Coverage Needs

Driver's History

Usage

Location

Truck Age

Cargo Type

Distance Driven

Claims History

Safety Features

COMPARE Truck Insurance Rates Across Key Texas Cities

Truck insurance rates across key Texas cities vary based on factors such as population density, traffic congestion, crime rates, and local regulations. Cities with higher populations and increased traffic tend to have higher insurance rates due to a greater risk of accidents and theft. For example, metropolitan areas like Houston and Dallas typically have higher premiums than smaller cities like Amarillo or Lubbock.

City Name

Average Annual Insurance Rate

Houston

$2,000 - $3,500

San Antonio

$1,800 - $3,200

Dallas

$1,900 - $3,400

Austin

$1,850 - $3,300

Fort Worth

$1,950 - $3,400

El Paso

$1,750 - $3,100

Arlington

$1,900 - $3,300

Corpus Christi

$1,800 - $3,200

Plano

$1,900 - $3,400

Lubbock

$1,700 - $3,000

WHAT DISCOUNTS CAN I GET FOR Truck INSURANCE IN TEXAS?

Insurance of your truck in Texas requires understanding the necessary discounts that are offered and that can help to cut down the cost of premiums. The following are the various types of discounts that you need to know if you are a commercial or personal truck user. It aids in maximizing the coverage that one has, maintaining the costs affordable, and provides adequate cover for the car. ​​

DISCOUNT NAME

DESCRIPTION

Safe Driver Discount

This discount is offered to drivers with a clean driving record, free of accidents and traffic violations.

Multi-Vehicle Discount

You may qualify for a multi-vehicle discount if you insure more than one vehicle with the same insurance provider.

Anti-Theft Device Discount

Installing approved anti-theft devices in your truck can make you eligible for this discount.

Defensive Driving Course Discount

Completing a defensive driving course demonstrates your commitment to safe driving practices.

Loyalty Discount

Staying with the same insurance company for several years can earn you a loyalty discount.

Paid-in-Full Discount

Paying your annual premium in full rather than monthly installments can earn you a discount.

New Vehicle Discount

Insuring a brand-new truck can qualify you for a new vehicle discount.

What Are The Minimum Truck Insurance Requirements In Texas?

In Texas, the minimum insurance requirements for trucks include essential coverage to ensure legal compliance on the road.

  • $30,000 for bodily injury or death to one person in an accident.
  • $60,000 for bodily injury or death to two or more persons in an accident.
  • $25,000 for property damage in an accident.

These minimums fulfill the state's legal obligations for operating a truck. However, depending on the type and use of your truck, such as for commercial purposes, you may want to consider additional coverage options like comprehensive and collision coverage. 

What Types Of Truck Can I Insure With CINCO in Texas?

Classic trucks refer to vintage or antique trucks with historical significance and popular designs from past eras.
Pickup trucks are multi-purpose vehicles for personal transportation, hauling light loads, and recreational purposes.
Commercial trucks are heavy-duty vehicles for transporting goods, materials, or passengers for business purposes.

What Coverages Can I Get For My Truck In Texas?

Liability Coverage

It protects you financially if you're responsible for causing damage or injury to others in an accident.

Collision Coverage

Collision coverage covers repair or replacement costs for your truck if you're at fault in a collision.

Comprehensive Coverage

Shields your truck from damage due to non-collision events like theft, vandalism, or severe weather.

Uninsured/Underinsured Motorist Coverage

It covers your expenses if you're involved in an accident with a driver with insufficient or no insurance.

Medical Payments Coverage

Regardless of fault, it helps cover medical expenses for you and your passengers after an accident.

Personal Injury Protection (PIP)

Provides coverage for medical costs and lost wages for you and your passengers following an accident.

Roadside Assistance

Offers help if your truck breaks down, including towing, battery jumps, flat tire changes, and lockout services.

Rental Reimbursement Coverage

This coverage covers the cost of a rental vehicle while your truck is being repaired after a covered incident.

Cargo Coverage

This coverage protects the cargo you're transporting, ensuring your livelihood is safeguarded during transit.

Bobtail Insurance

Provides coverage when your truck is operating without a trailer, whether you're hauling or driving solo.

Why Is CINCO The Best Choice For Truck Insurance In Texas?

Excellent Customer Service

Get Free Quotes

Multiple Convenient Locations Near You

Get Discounts

Affordable Premiums

HOW IT WORKS

Explore

Dive into our platform to discover various insurance options tailored to your needs and preferences in Texas.

Connect

Engage with our Texas auto insurance team to discuss your requirements and find the best insurance solution.

Compare

Evaluate different insurance plans, ensuring you choose the best coverage at the right price.

Get A Free Truck Quote In Texas

FIND CINCO AUTO INSURANCE NEAR YOU IN TEXAS

Cinco Auto Insurance Office Front

307 W Centerville Rd Suite C, Garland, TX 75041

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Cinco Auto Insurance Office Front

2750 W Northwest Hwy Ste 190, Dallas, TX 75220

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Cinco Auto Insurance Office Front

2210 S Beckley Ave, Dallas, TX 75224

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Cinco Auto Insurance Office Front

10335 Ferguson Rd, Dallas, TX 75228

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Cinco Auto Insurance Office Front

2513 S Hampton Rd, Dallas, TX 75224

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Cinco Auto Insurance Office Front

1440 S Buckner Blvd, Dallas, TX 75217

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Cinco Auto Insurance Office Front

9208 E R L Thornton Fwy #207b, Dallas, TX 75228

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WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?

Luis Ortuno

Highly recommend! Completed my full coverage paperwork over the phone with Edward. Affordable prices and no waiting, unlike other agencies.

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Thank you, Edward! I got exactly what I needed within my budget. Quick, easy, and hassle-free service. Happy customer!

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Helpful and friendly staff with excellent customer service. Will definitely recommend to family and friends for great insurance support.

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Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.

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