Houston, TX
Truck Insurance in Houston, TX
Houston truckers: compare truck insurance quotes from 15+ carriers with one application. Semi trucks, box trucks, hot shots and fleets.
The Houston trucking market
About 70% of active carriers based in Houston run a single power unit, and the most common freight listed on their FMCSA records includes general freight, construct, bldgmat and metalsheet. Houston sits on the I-35, I-10 and I-20 network that moves most Texas freight.
Insurers Houston carriers use
The most common current insurers among Houston-based carriers are Progressive County Mutual, Geico County Mutual Insurance Co., Highlander Specialty Insurance Company and Geico County Mutual Insurance Company. We quote many of the same markets plus others, so you can see how your renewal compares.
Coverage for Houston truckers
- Truck insurance: liability with filings, cargo and physical damage for owner-operators.
- Trucking insurance for Houston fleets, with driver approvals and certificates.
- Box truck insurance, CDL and non-CDL, for local and final-mile work.
- Hot shot insurance for pickup and trailer setups.
What Houston freight means for your policy
Flatbed and hot shot cargo
Machinery, building materials and metal loads mean higher cargo limits and the right commodity schedule matter.
General freight cargo
Most brokers want $100,000 cargo for general freight. Check the excluded commodities on any quote.
Hazmat limits
Hazmat loads can require $1M to $5M in liability under federal rules, so we confirm your commodity before quoting.
FAQs
What drives truck insurance prices in Houston?
Garaging address, radius, cargo, authority age and driving records. Houston trucks running I-35 and I-10 lanes are priced on those factors like anywhere else, but carriers weigh local claim costs differently, so quotes can vary a lot.
Can I get box truck insurance in Houston without a CDL?
Yes, for trucks rated 26,000 lbs or less, as long as drivers meet the carrier's experience guidelines.
When should Houston carriers start shopping their renewal?
About 45 to 60 days before renewal. Right now 774 carriers based in Houston have policies renewing in the next 90 days.
Other Texas cities
*From public FMCSA data via Insight Carrier, refreshed daily. Last update 11/14/2026.