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Truck insurance · Texas

Truck insurance in Texas

What Texas requires of trucks that stay in the state, what the federal rules add once you cross a state line, and the coverages brokers and shippers will ask a Texas carrier for. Every state rule below links to its official source.

Quick answer To get a new Texas trucking company quoted, have your USDOT number, drivers, units, commodities and loss runs ready; intrastate carriers in TxDMV's regulated categories also need a TxDMV Certificate of Registration, with insurance filed electronically by the insurer.

  • Texas requires a USDOT number before a carrier can get its TxDMV certificate, including private and for-hire carriers running vehicles over 26,000 lbs.
  • TxDMV requires $500,000 in liability for private or for-hire intrastate carriers operating vehicles over 26,000 lbs, and $1,000,000 or $5,000,000 for hazmat depending on the material.
  • Texas household goods movers need a TxDMV certificate regardless of truck size and must also file cargo insurance.
  • A Texas truck that crosses a state line also needs a USDOT number, MC authority and a $750,000 federal minimum for general freight, and Texas is a UCR participating state.
  • Texas is the only state where private employers may choose not to carry workers' compensation, but non-subscribers lose certain legal defenses and must notify the Division of Workers' Compensation and their employees.

By Sam Alishahi · Reviewed October 2026 · En español

Texas at a glance

USDOT number for in-state trucks: required · State operating authority: yes, see below · State insurance minimums: yes, see below · UCR participant: yes · State trucking taxes or permits: TxDMV oversize/overweight permits (TxPROS).

What Texas requires of trucking companies

  • USDOT number for trucks that stay in TexasTexas requires a USDOT number before a carrier can get its TxDMV certificate. That applies to private and for-hire carriers running vehicles over 26,000 lbs, buses built for more than 15 passengers, placarded hazmat, farm vehicles over 48,000 lbs, and household goods movers of any size who haul for pay. Source
  • Texas operating authorityIntrastate carriers in those categories must hold a TxDMV Certificate of Registration (TxDMV number), issued by the Texas Department of Motor Vehicles after the USDOT number is obtained, with insurance filed electronically by the insurer. Household goods movers need it regardless of truck size and must also file cargo insurance. Source
  • Insurance minimums for intrastate carriersTxDMV requires $500,000 in liability for private or for-hire carriers operating vehicles over 26,000 lbs, $300,000 for household goods movers under 26,000 lbs, and $1,000,000 or $5,000,000 for hazmat depending on the material. Household goods movers also need cargo coverage of $5,000 per vehicle and $10,000 aggregate. Source

Once a Texas truck crosses a state line

Federal rules add a USDOT number, MC authority and a $750,000 minimum for general freight (details). Texas is a UCR participating state.

Texas trucking taxes and permits

  • TxDMV oversize/overweight permits (TxPROS)Loads over Texas legal size or weight need a TxDMV permit, and a route where required, which carriers can apply for and often self-issue through the online TxPROS system. Source

Workers’ comp for Texas trucking companies

Texas is the only state where private employers may choose not to carry workers' compensation; these non-subscribers lose certain legal defenses and must notify the Division of Workers' Compensation and their employees that they have no coverage. Source

Where Texas trucks run

I-35 (the main NAFTA/USMCA corridor), I-10, I-20, I-45 and I-30 carry most truck freight, linking the Port of Houston, Dallas–Fort Worth distribution centers, San Antonio, El Paso and the Laredo border crossings. The busiest freight markets include Houston, Dallas–Fort Worth, San Antonio, Laredo, El Paso and Austin.

Laredo is the busiest U.S.–Mexico land port for trucks, Permian Basin and Eagle Ford oilfield hauling drives demand for hotshot, water and sand trucking, and the Port of Houston generates heavy container drayage.

Texas trucking by the numbers

Texas trucking, from FMCSA and FEMA records
MeasureTexasRank among the statesDetail
New for-hire carriers (October 2025 to September 2026)18,366#1 of 51+3.4% from the year before; 64% started with a single power unit.
Deaths in truck crashes, 2024732#1 of 51664 fatal crashes among 18,831 reportable truck crashes; 7,137 deaths 2016–2025 (2025 preliminary).
Vehicles placed out of service at roadside inspections, 202525.4%#21 of 49315,057 inspections; drivers out of service 5.2% (US: vehicles 22.3%, drivers 6.1%).
Trucking companies that lost operating authority, 20258,815#1 of 5113.3 for every 10 companies granted authority that year; 899 more suspended for cancelled insurance under Motus since June 2026.
Federal major disaster declarations since 200039#16 (tied) of 51Most often for flood, severe storm.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Common questions

Do I need a USDOT number for intrastate trucking in Texas?

Texas requires a USDOT number before a carrier can get its TxDMV certificate. That applies to private and for-hire carriers running vehicles over 26,000 lbs, buses built for more than 15 passengers, placarded hazmat, farm vehicles over 48,000 lbs, and household goods movers of any size who haul for pay.

What insurance does Texas require for intrastate trucking?

TxDMV requires $500,000 in liability for private or for-hire carriers operating vehicles over 26,000 lbs, $300,000 for household goods movers under 26,000 lbs, and $1,000,000 or $5,000,000 for hazmat depending on the material. Household goods movers also need cargo coverage of $5,000 per vehicle and $10,000 aggregate.

Is workers’ comp required for a trucking company in Texas?

Texas is the only state where private employers may choose not to carry workers' compensation; these non-subscribers lose certain legal defenses and must notify the Division of Workers' Compensation and their employees that they have no coverage.

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Texas trucking

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Your USDOT number, the units, the drivers and what you haul. I’ll take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

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