Motor Truck Cargo for Texas commercial trucking operators.
Covers freight you are hauling against loss, theft, and damage in transit.
Rate band pending. We have not yet extracted a public rate filing from Texas Department of Insurance for cargo in Texas. We will publish a sourced premium band on this page once the filing is reviewed by an expert reviewer. Carrier listings below are unaffected; they are sourced from the carriers' own appointment and license footprints.
Top carriers for cargo in Texas
| Carrier | Parent group | AM Best | Notes |
|---|---|---|---|
| Progressive Commercial | The Progressive Corporation | A+ (Superior) (verified 2026-04-27) | Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused. |
| Great West Casualty | Old Republic International | A+ (Superior) (verified 2026-04-27) | Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services. |
| Canal Insurance | Canal Holdings | A- (Excellent) (verified 2026-04-27) | Trucking specialty since 1939; non-standard risks accepted. |
| Northland Insurance | Travelers Companies | A++ (Superior) (verified 2026-04-27) | Travelers' commercial trucking specialty unit. |
| Sentry Insurance | Sentry Insurance Group | A+ (Superior) (verified 2026-04-27) | Mutual carrier with deep trucking specialization; favors larger fleets and established carriers. |
AM Best ratings are populated only when verified against ambest.com. Pending entries reflect that we have not completed verification, not that the carrier's rating is missing or weak.
What drives motor truck cargo premiums in Texas
Motor truck cargo coverage is not federally mandated, but it is functionally required by 95%+ of brokered freight contracts. In Texas — where I-10, I-20, I-35, and I-45 carry an outsized share of national freight volume — broker-required cargo limits often run higher than the standard $100,000 baseline, particularly for refrigerated, electronics, and high-value freight lanes.
Two state-specific dynamics shape the rate environment. First, Texas border ports (Laredo, El Paso) concentrate cross-border freight; cargo theft frequency in border-corridor staging areas factors into rate filings for carriers writing those lanes. Second, Texas hosts a meaningful share of US oil-and-gas freight, which carries distinct cargo-handling exposures (high-value equipment, specialized commodity classes) and is typically priced with endorsements rather than the base policy.
Cargo claims are governed federally by the Carmack Amendment (49 U.S.C. § 14706), which establishes carrier liability for loss or damage in transit and the contractual ability of shippers and brokers to demand specific coverage limits. Texas courts apply the Carmack framework consistently with the federal model; underwriters do not price meaningful Texas-specific Carmack risk separately.
We have not yet extracted a public Texas Department of Insurance filing for motor truck cargo. The carrier table below lists the carriers writing the line in Texas based on their published license footprints; the rate band on this page will publish once a filing is reviewed.
Sources
Reviewer attestation pending. The editorial body above is sourced but has not yet been signed off by a credentialed reviewer.
Texas-specific rules that move premium
Texas caps non-economic damages in healthcare cases under Tex. Civ. Prac. & Rem. Code Ch. 74 and has additional commercial-vehicle reform under HB 19 (2021), which raises the bar for direct negligence claims against motor carriers.
Surplus lines placements in Texas are filed through the Surplus Lines Stamping Office of Texas (SLTX); a 4.85% premium tax applies in addition to the SLTX stamping fee.
FMCSA jurisdiction: FMCSA Southern Service Center (Fort Worth).
State regulator: Texas Department of Insurance.
Cargo for specific DOT classes in Texas
Deep pages cover the operator profile, sampling assumptions, and rate band for a single product × state × DOT class. We publish deep pages only after the editorial body and reviewer attestation are complete.
Dispatched is a comparison and matching platform. In Texas, coverage is placed by licensed producers and bound by carriers appointed in TX; Dispatched does not bind coverage. Where we accept your contact information for a quote, that consent will be one-to-one with the named producer partner identified at submission.