Physical Damage for TX class 8 owner-operators.
Covers your truck and trailer against collision, theft, and comprehensive perils.
Rate band pending
We have not yet extracted a public Texas Department of Insurance filing for physical damage on class 8 tractor operators in Texas. The carriers writing the line are listed below; the band will publish here once a filing is reviewed.
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Carriers writing in TX
5 carriers we expect to quote this risk in Texas.
AM Best ratings shown below were verified directly. Whether a specific carrier currently has open appetite for your operation is the producer's call at submission.
Progressive Commercial
The Progressive Corporation
Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused.
A+ (Superior)Great West Casualty
Old Republic International
Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services.
A+ (Superior)Canal Insurance
Canal Holdings
Trucking specialty since 1939; non-standard risks accepted.
A- (Excellent)Northland Insurance
Travelers Companies
Travelers' commercial trucking specialty unit.
A++ (Superior)Sentry Insurance
Sentry Insurance Group
Mutual carrier with deep trucking specialization; favors larger fleets and established carriers.
A+ (Superior)AM Best ratings change. Dispatched displays the rating only when verified against ambest.com and stamped with the verification date in our data layer. Pending entries reflect that we have not completed verification — not that the carrier's rating is missing or weak.
Editorial
Physical damage for Class 8 tractor operators in Texas
Physical damage on a Texas-operating Class 8 tractor is dominated by stated value, theft exposure, and collision frequency. For a 2020-model Class 8 tractor with a $120,000 stated value running general freight under MC authority — the canonical Texas owner-operator profile — physical damage is typically written with a $1,000–$2,500 deductible and prices proportionally to the stated value of the equipment.
Theft is the most state-specific exposure for Class 8 tractors operating Texas border lanes. Laredo and El Paso staging-yard theft frequency is consistently flagged by industry trackers; Houston Ship Channel staging is the second cluster. Carriers writing physical damage on Class 8 tractors with significant border or port exposure may require GPS recovery technology, kill switches, or hard-parking conditions as a condition of coverage on equipment over $150,000 stated value.
Collision exposure on Texas Interstates is at national-average frequency for Class 8 risks. Texas DPS commercial-vehicle crash data does not show meaningful Texas-specific severity for collision (severity is more concentrated in primary-liability claims, where it shows up under post-HB 19 reform context).
We have not yet extracted a public Texas Department of Insurance filing for physical damage on Class 8 tractors. The rate band on this page will publish once a filing is reviewed.
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.