Can risk management lower my insurance premium?

Yes. Strong safety scores and loss prevention strategies often lead to lower long-term insurance premiums.

Do you work with fleets under 4 trucks?

Yes. Aronson Group specializes in owner-operators and small fleets.

How Much Does Truck Insurance Cost in Texas?

Sep 6

Texas truck insurance costs and savings data for 1–4 truck companies

Across 354 verified 1–4 truck placements in Texas, Aronson Group clients pay a median of about $16,358 per truck per year roughly $1,363 a month with half of all operators landing between $990 and $1,766 a month per truck. 302 of those placements are single-truck operations. And renewals hold: across 68 tracked renewals in this segment, the median change was +7.8%, and 28% of renewals actually went down.

Texas is the biggest trucking state in the country and the biggest state in our book 354 verified 1–4 unit placements, 302 of them single-truck operations. From Houston drayage to Permian oilfield support to I-35 dry van freight, Texas operators share one problem: premiums priced for the state's litigation climate, quoted by agents with two or three markets.

Aronson Group is a truck insurance specialty agency trusted by 5,000+ trucking companies across 45+ states 98% of our placements are 1–4 unit companies with a 4.9/5 rating across roughly 198 Google reviews. We shop every Texas account across multiple A-rated markets, including Great West, Progressive, GEICO, Acuity, Nirvana, Cover Whale, BHHC, Northland, and Canal, and place you where your operation fits best.

Below are documented before-and-after examples from our published savings library real prior premiums vs. what we placed the operator at for comparable coverage.

Real Results

Verified single-truck placements from our before-and-after savings library.

  
    
  
      Operation
      Prior Premium
      New Premium
      Saved / Year
      % Saved
    

  
      Dry Van
      $20,400
      $11,789
      $8,611
      42.2%
    

      Auto Hauler
      $22,200
      $15,404
      $6,796
      30.6%
    

      Dry Van
      $18,000
      $11,789
      $6,211
      34.5%
    

      Flatbed
      $20,400
      $14,366
      $6,034
      29.6%
    

      Flatbed
      $21,600
      $16,177
      $5,423
      25.1%
    

      Boxtruck
      $18,300
      $13,275
      $5,025
      27.5%
    

      Dump
      $18,000
      $13,500
      $4,500
      25.0%
    

      Dry Van
      $19,200
      $14,828
      $4,372
      22.8%
    


  
  

Operation	Prior Premium	New Premium	Saved / Year	% Saved
Dry Van	$20,400	$11,789	$8,611	42.2%
Auto Hauler	$22,200	$15,404	$6,796	30.6%
Dry Van	$18,000	$11,789	$6,211	34.5%
Flatbed	$20,400	$14,366	$6,034	29.6%
Flatbed	$21,600	$16,177	$5,423	25.1%
Boxtruck	$18,300	$13,275	$5,025	27.5%
Dump	$18,000	$13,500	$4,500	25.0%
Dry Van	$19,200	$14,828	$4,372	22.8%

FAQ

How much is commercial truck insurance in Texas?

Across 354 verified 1–4 truck placements, the median is about $16,358 per truck per year ($1,363/month), with half of operators between $990 and $1,766 a month per truck. Operation type, radius, and driving record set your exact number.

What happens at renewal in Texas?

Across 68 tracked Texas renewals, the median change was +7.8% and 28% of renewals went down. We re-shop files at renewal instead of re-issuing them.

What do I need to get a quote in Texas?

An equipment list with VINs and values, a drivers list with CDL numbers and experience, about three years of loss runs, and your current declaration pages. IFTAs help verify mileage local-only operations may not have them, and that can be fine.

How fast can I get a truck insurance quote in Texas?

Get an estimated indication by email in about 60 seconds, or call our 24/7 quote line 563-278-3399 and a licensed producer follows up within 24 business hours.