Primary Liability Insurance for TX class 8 owner-operators.
Pays for bodily injury and property damage you cause to others while operating under your authority.
Indicative band — carrier-published guidance
$9,000to$15,000/year
Indicative, not a quote. This band reflects the carrier's own publicly-disclosed guidance for owner-operators — not a state-specific rate filing. We will replace it with a sourced Texas Department of Insurance filing once extracted. Your actual premium depends on MVR, claims history, equipment, and underwriter appetite.
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Sampling profile
The exact operator scenario this band is anchored to.
A premium band is meaningless without the operator profile it was sampled against. Below is the scenario we sampled — reproduced verbatim. Your actual band shifts as your profile diverges from this one.
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.
Class 8 Tractor context
What drives premiums for class 8 tractor risks in Texas.
Class 8 Tractor. Long-haul or regional freight with full-size trailer. Typical GVWR range: 33,001 lbs and above GVWR. Example vehicles: Freightliner Cascadia, Kenworth T680, Peterbilt 579, Volvo VNL, International LT. CDL required.
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).
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.