Commercial Auto Insurance in Texas

Insure your business vehicles against accidents, theft, and damage with our robust plans for commercial auto insurance in Texas. Whether you drive your business vehicle to a work site or catering gig, or you carry equipment, we can help you build a personalized policy. 

Agencia de Seguros de Accesso, LLC (A Abana) offers low-cost commercial vehicle insurance options for small businesses. We have decades of experience and offer tailored insurance options for businesses across the Lone Star State. 

Benefits of working with A Abana: 

• Foreign licenses accepted 
• Big discounts for paid-in-full policies, having prior coverage, general liability, multi-vehicle, prior business experience, and more!  
• Flexible payment options, including recurring card payments  
• Flexibility for drivers with "less than perfect" driving records  
• Automatic coverage for eligible new hire employees (depending on the insurer)  
• Trailer insurance options for a variety of trailer types  

Get a free Texas commercial auto insurance quote and find a rate that works for you. Call an A Abana agent at 214-764-8868. 

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What is commercial auto insurance? 

Commercial auto insurance is a type of car insurance that helps pay for damages when your covered business vehicle is involved in an accident, theft, or other covered event. 

You most likely need commercial vehicle insurance if you use a vehicle for business purposes, such as delivering food or services, driving to a contracting site, or driving your food truck to an event. Your personal auto insurance policy may not cover you if you get into an accident while using a business vehicle. 

Examples of vehicles that can be covered include: 

• Pickup trucks 
• Straight box trucks 
• Flatbeds 
• Dump trucks 
• Vans 
• Trailers, and more! 

Who needs commercial auto insurance in Texas? 

We offer coverage options designed for vehicles owned by small businesses, so you can choose the right coverage for your business fleet. 

Our commercial vehicle insurance options are available for a wide range of businesses and professions, including: 

• Small to medium-sized businesses 
• Contractors 
• Landscapers 
• Cleaners 
• House painters 
• HVAC 
• Companies with fleets of work vehicles 
• And more! 

Find an affordable commercial auto insurance option in Texas. Our Spanish-bilingual agents are ready to help at 214-764-8868.  

What does Texas commercial auto insurance cover? 

Here are the coverages a commercial auto insurance policy may include: 

• Liability Insurance: It helps pay for bodily injuries or property damage you cause others during a covered accident. It includes the state-mandated minimum limits.  
• Collision coverage: It helps pay for repairs or replacement of your business vehicle after a covered traffic accident, regardless of fault. 
• Comprehensive: It helps pay for vehicle damage caused by covered events such as theft, fires, vandalism, or extreme weather. 
• Uninsured/Underinsured Motorist: If another driver hits you and they don’t have insurance, this coverage can help pay for you or your passenger’s injuries and other related costs. 
• Medical payments: This add-on may help pay for medical bills after a covered accident, regardless of who is at fault. 
• Hired and non-owned auto (HNOA): It may help pay for injuries or property damage to others when an employee uses their personal vehicle for work tasks or when you rent a vehicle and use it for business purposes.  

Texas commercial auto insurance requirements  

In Texas, commercial auto insurance is required for any vehicle used for business purposes. The state mandates minimum coverage levels for bodily injury (BI) $30,000 - $60,0000 and property damage (PD) $25,000 per accident. Additional coverage options can be recommended by your agent.  

How much does commercial auto insurance cost?  

The cost of commercial auto insurance in Texas varies based on several factors, including the type of business, the number of vehicles, and the driving history of your employees. 

Contact us at 214-764-8868 to get a free, customized quote that fits your specific business needs!  

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Commercial auto insurance in Houston and San Antonio 

If you or your employees drive a business vehicle in a high-traffic urban area such as Houston or San Antonio, you may see higher rates. Congestion and higher crime and accident rates can affect how much you pay for commercial vehicle insurance.  

With A Abana, you can still find an affordable option so you can continue to grow your business in Houston, San Antonio, Dallas, El Paso, Corpus Christi, or other locations across the state. We work with major insurance companies and help you compare rates to find one that works for you. 

Get a free quote for commercial auto insurance in Houston, San Antonio, or across Texas, or call 214-764-8868 to speak with an A Abana Spanish-bilingual agent. 

Frequently Asked Questions (FAQs) 

What is Texas commercial auto insurance? 

It’s auto insurance that can cover your business vehicle for damages to others, injuries to yourself, and repairs to your vehicle, depending on the coverages you add to your policy. 

Is commercial auto insurance required in Texas? 

Yes, if you use a car for business purposes, such as driving to a contracting site, delivering goods or food, or transporting work equipment. Your personal auto insurance policy may not cover these uses, so getting business vehicle insurance can be crucial. 

What factors affect commercial auto insurance cost? 

The type and number of vehicles, your profession, driving histories of you and your employees, coverage types, and ZIP code can influence how much you pay for car insurance. See more common insurance questions here. 

Does commercial auto insurance cover employees? 

Yes, policies generally include coverage for employees listed on your commercial auto insurance policy. 

How do I get a commercial auto insurance quote? 

Getting a quote is easy. Have your business details, vehicle information, and driver history ready, and one of our Spanish-bilingual agents can help you get started. 

Get budget-friendly coverage with A Abana 

Getting a quote is easy: 

• Contact us to discuss your insurance needs  
• Choose the best coverage option for your business  
• Get a customized quote that’s right for your insurance needs  

A Abana helps drivers from diverse backgrounds and those who’ve had insurance challenges: 

• Foreign licenses accepted  
• Big discounts for paid-in-full policies, having prior coverage, general liability, multi-vehicle, prior business experience, and more  
• Flexible payment options, including recurring card payments  
• Flexibility for drivers with "less than perfect" driving records  
• Automatic coverage for eligible new hire employees driving company vehicles  
• Trailer insurance options for a variety of trailer types  

Get a free quote today and call one of our Spanish-bilingual agents at 214-764-8868 and find out how much you can save by switching to A Abana! 

Call to Get a Quote

Disclaimer: ​ 
This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.