Texas insurance by truck type.

Every truck class carries a different risk profile, coverage requirement, and premium range. Pick yours to see what's required and what most operators actually buy.

White semi truck with a dry van trailer on an open Texas interstate

Semi Truck

Class 8 tractor with a trailer. Long-haul, regional, OTR, intermodal drayage. The most common policy in trucking.

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Dump truck tipping aggregate at a Texas construction site

Dump Truck

Construction, aggregate, demolition. Higher physical-damage exposure plus job-site liability.

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Flatbed trailer loaded with chained steel beams at an industrial yard

Flatbed

Open-deck haulers. Cargo coverage matters most here, with attention to load-securement endorsements.

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Box truck parked on a Texas suburban commercial street

Box Truck

Local delivery, moving, last-mile, straight trucks. Under-CDL options available.

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Dually pickup pulling a gooseneck trailer of oilfield equipment in West Texas

Hot Shot

Expedited freight on a 1-ton with a gooseneck. Lighter rigs, faster routes, specialized rating.

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Flatbed rollback tow truck with its ramp lowered beneath a highway overpass

Tow Truck

On-hook and garage-keepers coverage layered with liability. Repo and roadside have different rate classes.

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Placarded petroleum tanker loading at a Texas fuel terminal rack

Hazmat

Placarded loads. Higher FMCSA liability minimums, and pollution liability is non-negotiable.

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Stainless steel tanker trailer with a placard on a Texas highway

Tanker Truck

Liquid, fuel, dry bulk. Rollover exposure drives the rate, hazmat and non-hazmat rated differently.

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Refrigerated trailer with its nose-mounted cooling unit at a cold storage dock

Reefer

Refrigerated trailer. Cargo coverage must include spoilage / reefer breakdown.

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