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Commercial Auto Insurance in Texas

Texas requires intrastate motor carriers to register and keep insurance proof filed electronically with TxDMV while operating. Its filing schedule separates large vehicles, household-goods movers, buses, and placarded hazardous-material loads, so a general auto minimum does not determine every carrier’s filing. 1,2

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Texas Requirements

RequirementDetails
Placarded hazardous-material carrier filing$1 million or $5 million depending on listed material and transport configuration 1
Other large motor-carrier categoriesSchedules include $300,000 for specified household-goods movers under 26,000 lb, $500,000 for other carriers over 26,000 lb, and passenger tiers by capacity 1

What to Watch for in Texas

  • Classify the Carrier Before Selecting Limits

    TxDMV sets different levels by gross weight, household-goods status, passenger capacity, and listed hazardous materials. Give the broker the exact operating category, vehicle weight, passenger count, and commodity so the filing matches the schedule. 1

  • An Issued Policy Is Not an Active Filing

    TxDMV must receive the insurer’s Form E electronically before intrastate authority is granted. The carrier remains responsible for keeping the TxMCCS record active, so verify the filing dashboard before a policy change or renewal. 2

  • Household-Goods Movers File Cargo Separately

    Texas requires household-goods movers to submit cargo Forms H and I in addition to liability Form E; the listed cargo schedule is $5,000 per vehicle and $10,000 aggregate for multiple shippers. Confirm both filing types are active if you move household goods. 1

  • Keep the TxDMV Insurance Cab Card in the Vehicle

    A current insurance cab card must remain in the commercial vehicle and be available to law enforcement, on paper or electronically. Make sure the driver’s copy matches the current certificate and registered unit. 1

Who Regulates Insurance in Texas

Texas Department of Insurance

TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4.85% of gross premium plus 0.04% SLTX stamping fee When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association. 6,7,8

Surplus Lines Stamping Office of Texas

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Texas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15

Questions to Ask Before You Buy in Texas

  1. Which TxDMV schedule category applies to our weight, passenger capacity, cargo, and commodity?
  2. Has the insurer filed the replacement Form E before the previous filing expires, and is TxMCCS still active?
  3. If we move household goods, are both Forms H and I on file at the cargo limits TxDMV lists?

Commercial Auto in Texas: FAQ

What insurance filing does an intrastate Texas motor carrier need? 2,1

TxDMV requires an insurer-filed Form E for commercial auto liability; household-goods movers also need cargo Forms H and I. The filing must be active in TxMCCS while the carrier operates. 2,1

Must Texas commercial drivers carry an insurance card? 1

TxDMV says a current insurance cab card must be kept in the commercial vehicle and be available to law enforcement in paper or electronic form. 1

Commercial Auto in Other States

Other Coverage in Texas

Sources

  1. TxDMV Number and Insurance Requirements. Texas Department of Motor Vehicles; Insurance schedule by placarded hazardous-material class, HHG weight, bus capacity and other-carrier weight; HHG cargo schedule; cab-card and active filing requirements; current agency text accessed 2026-09-28. Accessed 2026-09-28.
  2. Becoming a Texas Motor Carrier (Intrastate). Texas Department of Motor Vehicles; Intrastate authority, insurer-electronic Form E requirement, HHG Form H/I, carrier responsibility to maintain active filing and cancellation/authority procedure; accessed 2026-09-28. Accessed 2026-09-28.
  3. texas insurance regulator. State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review. Accessed 2026-09-28.
  4. How to Find a Licensed Insurance Agent or Adjuster. State insurance regulator; TDI says search by agent name or license number and links to the state license search. Accessed 2026-09-28.
  5. Get Help with an Insurance Complaint. State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439. Accessed 2026-09-28.
  6. Texas Insurance Code §§225.002–225.004. Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement. Accessed 2026-09-28.
  7. Stamping Fees & Taxes. Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured. Accessed 2026-09-28.
  8. Texas Surplus Lines Companies. Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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