Physical Damage for Texas commercial trucking operators.
Covers your truck and trailer against collision, theft, and comprehensive perils.
Rate band pending. We have not yet extracted a public rate filing from Texas Department of Insurance for physical damage 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 physical damage 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 physical damage premiums in Texas
Physical damage on a Texas-operating Class 8 tractor and trailer is dominated by three exposures: collision frequency on Texas long-haul corridors, theft frequency around border-staging yards (Laredo and El Paso) and Houston Ship Channel staging, and the stated-value range of the equipment. The first two move the rate; the third moves the dollar premium proportional to value.
Collision frequency is shaped by Texas's role as the largest commercial-trucking state by VMT (vehicle miles traveled). I-10, I-20, I-35, and I-45 each carry significant Class 8 tractor-trailer volume, and DPS crash data shows commercial-vehicle severity on Texas Interstates in line with national averages. Underwriters writing physical damage on Texas-operating fleets generally apply standard collision factors; the Texas-specific adjustment shows up more in the deductible structure than in the base rate.
Theft is the more state-specific exposure. Laredo and El Paso border-staging theft frequency is consistently flagged by industry trackers; Houston-area cross-dock and intermodal terminals are similarly exposed. Carriers writing physical damage on operators with significant border or port exposure may require route-and-stop endorsements, hard-parking conditions, or anti-theft technology (GPS recovery, kill switches) as a condition of coverage on high-value tractors.
Catastrophic exposure (hail, tornado) is a tertiary factor in West Texas and the panhandle but does not materially move base rates statewide. We have not yet extracted a public Texas Department of Insurance filing for physical damage on commercial tractors. The carrier table reflects carriers writing the line based on their published license footprints; the rate band will publish once a filing is reviewed by a Texas-licensed producer.
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.
Physical Damage 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.