Do I need a TxDOT number?

If you operate commercially solely within Texas, you need a TxDOT number from the Texas Department of Motor Vehicles. If you cross state lines, you need a federal USDOT number from the FMCSA. Many Texas carriers need both.

Do you write Permian Basin oilfield hotshot?

Yes. Oilfield hotshot is one of our most frequent Texas submissions. We bind first-year oilfield authorities regularly through E&S markets that understand Permian exposure.

Can you handle Houston port drayage UIIA filings?

Yes. We file UIIA Certificates of Insurance with the IANA for any Equipment Provider serving the Port of Houston, Port of Galveston, and the Houston intermodal rail ramps the same business day a policy is bound.

What about hail damage on parked tractors?

Hail is a real exposure across Texas. We write physical damage with comprehensive coverage that responds to hail, with deductibles set to keep premium reasonable while protecting against major losses.

Texas Trucking Insurance

Oilfield, Hotshot, Drayage & Long-Haul Coverage Across Texas

Texas has the largest commercial trucking population in the United States — Permian Basin oilfield hauling, Houston port drayage, hotshot expedited freight, and coast-to-coast long-haul all run through Texas. Truxsurance writes Texas trucking risks every day with direct E&S market access and same-day TxDOT and federal filings.

Same-day indications available.

Some of the insurance markets we work with

Carrier availability varies by state, operation type, fleet size, and underwriting requirements.

Who This Program Is For

Oilfield haulers in the Permian, Eagle Ford, and Barnett Shale

Houston port drayage and intermodal carriers

Texas-based hotshot operators and small fleets

Long-haul fleets domiciled in Texas

Out-of-state carriers running through or into Texas

Common Texas Trucking Underwriting Issues

This is what underwriters actually look at:

Oilfield hotshot exposure is a niche many carriers will not write
High-mileage long-haul Texas fleets generate frequency claims
Houston port drayage requires UIIA filings
Permian Basin route congestion drives accident frequency
Hailstorm physical damage exposure across Texas

Most retail agents stop here. We do not.

How We Place Texas Trucking Risks

We do not just submit applications — we structure them for the way underwriters actually decide.

Direct submission to E&S markets active in Texas oilfield and drayage

TxDOT registration and MCS-150 update assistance

UIIA filings for Houston and Galveston port drayage

Hail and physical damage written with appropriate deductibles

Real Placement Example

12-truck oilfield fleet — Midland, TX

Exposure

100% Permian Basin oilfield hauling (frac sand, pipe, equipment)
1 prior rollover loss in the loss run
Mixed CDL experience, all drivers oilfield-trained

Result

$1M Auto Liability + $250k Motor Truck Cargo (oilfield endorsements)
Physical Damage with $5,000 deductible and hail coverage
Workers Compensation through Texas-monopoly state fund

Bound through an E&S market specializing in Permian oilfield in 6 business days. Premium 11% under incumbent renewal.

What Texas Trucking Insurance Costs

Real numbers — not guesses.

Texas owner-operator	$7,000 – $13,000 / year
Texas small fleet (2–10 units)	$16,000 – $65,000 / year
Texas oilfield fleet	$25,000 – $200,000+ / year
Houston port drayage	$25,000+ depending on exposure

What Drives Pricing

Operating territory (Permian, Houston port, long-haul, etc.)
Commodity mix (oilfield, intermodal, general freight)
Driver MVRs and CDL experience
Hail and weather exposure
Loss history

Texas Coverages We Offer

Commercial Auto Liability ($1M – $5M)

Motor Truck Cargo with oilfield and intermodal endorsements

Physical Damage with hail / windstorm coverage

General Liability

Trailer Interchange (Houston drayage)

Workers Compensation

Excess Auto Liability up to $5M

Texas-Specific Coverage Considerations

Texas trucking has its own underwriting profile — hail, oilfield exposure, and the Houston port all change how the policy needs to be structured.

Hail and windstorm physical damage with appropriate deductibles
Oilfield cargo wording for frac sand, pipe, and equipment
UIIA filings for Houston and Galveston drayage
TxDOT registration and MCS-150 update support

Why Truxsurance

Texas is a primary state in our book

Direct E&S markets for oilfield, drayage, and long-haul

Same-day TxDOT and IANA filings

Frequently Asked Questions

Get a Texas Trucking Insurance Quote

Oilfield, drayage, hotshot, long-haul — all written same-day.

Same-day indications available.