Texas Truck Insurance Pricing for 1–9 Unit Fleets: The Pricing Guide
Texas highway with semi trucks representing trucking insurance market
Texas is the largest trucking state in the country, and it shows up heavily in our HubSpot data both in wins and losses.
But Texas also has the widest pricing spread of any state we analyzed.
How Much Does Truck Insurance Cost in Texas?
Truck insurance cost calculation for Texas small fleets
WON Deals (Texas)
1 truck: ~$15,000–$17,000 per truck
2–4 trucks: ~$12,000–$13,000 per truck
5–9 trucks: ~$12,500 per truck (average)
Texas one-unit pricing is consistently higher than Midwest states, even for clean drivers.
Why Texas Pricing Is So Volatile
Texas LOST deal data highlights several unique issues:
High new-venture volume
Texas sees more first-year authorities than almost any other state.Radius and interstate exposure
Many Texas drivers run long distances across multiple states.Carrier restrictions
Some carriers simply won’t write certain Texas risks, leading to “not approved in state” outcomes.
Texas LOST Deals: What We See Most Often
Commercial truck on open road showing high Texas insurance premiums
One-truck quotes averaging $18,000–$20,000
Extreme outliers far above that
Deals lost due to:
state approvals
operation type
timing (late renewal shopping)
Texas deals are rarely lost because “another agent did better.” They’re lost because the market itself is unforgiving without the right access.
What Texas Truckers Should Do Differently
Texas truck drivers discussing fleet insurance strategy
Shop earlier than other states
Avoid waiting until final 30 days
Treat insurance as a growth strategy, not a transaction
Pay special attention around the 2-year-in-business mark