Affordable Commercial Auto Insurance Texas
Protect Your Business Vehicles and Employees in Texas
In the fast-paced business environment of Texas, your vehicles are more than just transportation — they’re an essential part of your daily operations. Whether you’re running deliveries in Dallas, hauling equipment through Houston, or managing a service fleet in San Antonio, Blake Insurance Group offers affordable, dependable commercial auto insurance to keep your business protected on the road.
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Why Small Businesses in Texas Need Commercial Auto Insurance
Texas law requires commercial auto insurance for any vehicle used for business purposes. But beyond legal compliance, this coverage protects your company from potentially devastating losses. One accident could result in medical bills, property damage, or legal action — expenses that could cripple an uninsured business. With the right policy, you’re not just protecting your assets — you’re investing in long-term business continuity.
Coverage Options for Business Auto Insurance in Texas
Every business has different risks depending on how vehicles are used. At Blake Insurance Group, we offer customizable commercial auto insurance policies in Texas, including:
Liability Insurance: Covers injury or damage caused by your business vehicle.
Collision Coverage: Pays for damages to your vehicle after a crash, regardless of fault.
Comprehensive Coverage: Protects against theft, vandalism, fire, floods, and more.
Medical Payments: Helps cover medical costs for drivers and passengers.
Uninsured/Underinsured Motorist: Protects you if the other driver lacks proper coverage.
Hired & Non-Owned Auto: Covers employees’ personal vehicles used for business or vehicles your business rents or leases.
Our policies are flexible and designed to meet your needs — without charging for unnecessary extras.
Who Needs Commercial Vehicle Insurance in Texas?
If you or your employees use vehicles for work tasks, commercial auto insurance isn’t optional — it’s essential. You may need coverage if:
You transport tools or equipment to job sites
You make client visits or business deliveries
You own or lease company vehicles
Employees drive personal vehicles for business use
Industries of all types — from contractors to catering services — benefit from this critical layer of protection.
Industries We Insure: Contractors, Delivery, Trucking, and More
Blake Insurance Group serves a wide variety of businesses across Texas, including:
General contractors and home service providers
Courier, logistics, and delivery companies
Landscaping and pest control services
Non-emergency medical transport (NEMT) providers
Food trucks and catering companies
Construction, electrical, HVAC, and plumbing businesses
Agricultural and ranching operations
If your business depends on vehicles, we’ll make sure your coverage matches your unique risks and responsibilities.
Fleet Insurance Solutions for Small and Mid-Sized Businesses in Texas
Managing multiple vehicles? We offer specialized fleet insurance solutions that grow with your business. Our fleet plans are ideal for businesses with 3 to 300 vehicles and include:
Simplified billing and policy administration
Custom coverage options by vehicle or driver
Discounts for safe driving and safety programs
Easy claims management and renewal coordination
Let us build you a policy that reduces paperwork and protects your bottom line.
Why Choose Blake Insurance Group for Your Commercial Auto Insurance Needs
As an independent insurance agency, Blake Insurance Group has access to a wide network of commercial auto carriers. This allows us to shop competitive rates on your behalf and find a policy that fits your business needs and your budget.
Here’s why businesses across Texas trust us:
✅ Texas-Based Expertise: We understand state laws and local industry needs.
✅ Multiple Carrier Access: More options mean better pricing and flexibility.
✅ Agent Support: We’re here when you need us, not just when you sign up.
✅ Fast, Hassle-Free Claims Help: Our team walks you through every step.
We’re not just agents — we’re your business insurance partners.
Get a Fast, Free Quote for Commercial Auto Insurance in Texas
Don’t risk your business’s future by being underinsured. Contact Blake Insurance Group today for a fast, personalized quote for commercial auto insurance in Texas. We’ll match you with the right carrier, coverage, and cost — and make the process easy from start to finish.
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Our Service Areas for Business Auto Insurance Near You
Blake Insurance Group proudly serves business owners throughout the Lone Star State, including:
Houston
Dallas
Austin
San Antonio
Fort Worth
El Paso
Arlington
Corpus Christi
Plano
Lubbock
And all surrounding areas
Wherever your business goes in Texas, we’re here to keep it moving — safely and affordably.
FAQs: Affordable Commercial Auto Insurance Texas
What is commercial auto insurance and why do I need it in Texas?
Commercial auto insurance covers vehicles used for business purposes, providing protection for your business if a company vehicle is involved in an accident. This insurance helps pay for medical bills, property damage, legal fees, and other related expenses. Texas law requires all vehicles used for business to carry at least the state minimum liability coverage.
What are the minimum commercial auto insurance requirements in Texas?
Texas requires a minimum of $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage (30/60/25 coverage). These limits apply to both personal and commercial vehicles, but higher limits may be recommended depending on your business needs.
Who needs commercial auto insurance in Texas?
Any business that owns, leases, or uses vehicles for work—including contractors, delivery services, trucking companies, and businesses with employees driving for work—must have commercial auto insurance. Even if you use a personal vehicle for frequent business tasks, you may need a commercial policy.
Does my personal auto insurance cover business use?
No. Personal auto insurance typically does not cover accidents or damages that occur while using your vehicle for business purposes, such as deliveries, transporting equipment, or visiting clients. A separate commercial policy is required for these activities.
What types of coverage are available with commercial auto insurance in Texas?
Common coverages include:
- Liability (bodily injury and property damage)
- Collision
- Comprehensive
- Medical payments
- Personal Injury Protection (PIP)
- Uninsured/underinsured motorist
- Hired and non-owned auto (HNOA)
- Rental reimbursement and towing
Is commercial auto insurance required by law in Texas?
Yes. Texas law requires any business with company-owned vehicles used for work to have commercial auto insurance. Failing to maintain coverage can result in fines, license suspension, and increased insurance rates.
Who is covered to drive my commercial vehicle?
Commercial auto insurance covers the business owner and any employees with valid drivers’ licenses who drive company-owned vehicles for work purposes. Family members are typically not covered unless they are employees or have explicit permission.
How much does commercial auto insurance cost in Texas?
The cost depends on factors such as the type and number of vehicles, business size, driving history, claims history, and coverage limits. An insurance agent can help you find affordable options tailored to your business.
Are there higher coverage requirements for certain vehicles or industries?
Yes. Trucks, vehicles transporting hazardous materials, and those operating interstate may require higher liability limits under federal or state law. The minimums can vary based on vehicle weight, cargo, and travel routes.
What happens if I can’t find a company willing to insure my business vehicles?
If you’re unable to obtain coverage from standard insurers, you may qualify for basic coverage through the Texas Automobile Insurance Plan Association (TAIPA). TAIPA provides minimum required coverage but does not offer collision or comprehensive options and is typically more expensive.
Can I decline Personal Injury Protection (PIP) or uninsured/underinsured motorist coverage?
Yes, but you must do so in writing. Texas law requires insurers to offer these coverages, but you can choose to reject them if you prefer.
How do I get a commercial auto insurance quote in Texas?
Contact an independent insurance agent or apply online to compare quotes from different carriers. Agents can help tailor coverage to your business needs and find the most competitive rates.
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed

Blake Nwosu
Owner & Principal Agent
Expertise: All personal and commercial line insurance, including auto, home, business, health, and life insurance.
License: 16117464