Why Box Truck Insurance in Texas Matters
Texas is a major hub for transportation, delivery, and logistics — and box trucks play a big part in that. Whether you're delivering goods across Houston, managing a fleet in Dallas, or running local routes in San Antonio, the right box truck insurance isn’t optional — it’s essential.
Texas roads are busy, and accidents, theft, and cargo loss happen every day. The right insurance policy doesn't just protect your vehicle — it protects your business, your livelihood, and your peace of mind.
Who Needs Box Truck Insurance in Texas?
If you operate a box truck for commercial use, you're required by Texas law to carry commercial auto insurance. This includes:
Independent owner-operators
Small fleets delivering goods
Amazon/FedEx contractors
Moving companies
Refrigerated box truck drivers
Retail delivery services
Even if you’re operating a single truck, state law mandates liability coverage at a minimum — and most shippers, brokers, and partners will require much more than that.
Required Coverage in Texas
In Texas, the minimum liability coverage for commercial trucks depends on the weight of your truck and what it’s hauling. However, most box truck operators should plan to carry:
Primary Auto Liability: Covers bodily injury and property damage to others.
Physical Damage Coverage: Pays to repair or replace your box truck if it’s damaged in an accident.
Motor Truck Cargo Insurance: Covers the goods you’re hauling.
General Liability: Protects your business from other types of claims (slips and falls, etc.).
Non-Trucking Liability (if under lease): Covers your truck when it’s not under dispatch.
At Commercial Pro Shield Insurance, we walk every client through these requirements and tailor coverage to meet their specific operation, route, and cargo needs.
Texas-Specific Insurance Tips for Box Truck Fleets
- Register Your Truck Correctly – In Texas, commercial registration affects your insurance eligibility and filings.
- Know Your GVWR – Your truck’s Gross Vehicle Weight Rating impacts your coverage requirements.
- Consider Fleet Policies – Insuring multiple trucks under one policy can lead to major savings and fewer headaches.
- Stay Compliant with TXDOT/MC Requirements – We can help you stay in line with Texas Department of Transportation filings and federal motor carrier rules.
How Much Does Box Truck Insurance Cost in Texas?
The cost of box truck insurance in Texas varies depending on:
Your driving history and business type
Number of trucks in your fleet
Radius of operation (local vs. regional vs. OTR)
Value of your trucks and cargo
Years in business
At Commercial Pro Shield Insurance, we specialize in helping Texas-based box truck businesses find competitive rates without sacrificing protection. Most clients save hundreds — sometimes thousands — by working with our commercial insurance experts.
Why Choose Commercial Pro Shield Insurance?
We’re not just insurance agents — we’re trucking and transportation specialists. Here's what makes Commercial Pro Shield Insurance different:
Texas-Focused: We understand local laws, regulations, and risks.
Customized Coverage: No one-size-fits-all plans.
Human Support: Real people. Real advice. Real fast.
Affordable Rates: We shop multiple carriers to get you the best deal.
Ready to Get a Quote?
Don’t wait until there’s a problem to discover a gap in your coverage. Let Commercial Pro Shield Insurance help you get the box truck insurance you need to stay protected, legal, and confident on the road.
👉 Call us today or get a free quote online in minutes!