Commercial Trucking Insurance Houston, TX | Lowest Rate Guaranteed (2024)

DOT compliance refers to adhering to the regulations set by the U.S. Department of Transportation. It applies to companies involved in transportation, ensuring safe practices for commercial drivers, vehicle inspections, drug testing, and maintaining necessary licenses.

Yes, obtaining DOT compliance is mandatory for commercial trucks in the United States. Commercial truck operators and companies engaged in interstate commerce are required to comply with the regulations set forth by the Department of Transportation (DOT).

DOT drug and alcohol testing is mandatory for safety-sensitive employees, including commercial drivers. These tests aim to detect drug or alcohol use that could impair a driver's ability to operate a vehicle safely.

Your Location

Texas requires at least liability ($300,000 to $500,000) for commercial trucks. Plus, you’ll have to factor in your fleet’s distance and destinations.

Your Company’s Safety Rating

A high CSA or safety rating means lower rates. By upholding high safety standards and monitoring your CSA with the Federal Motor Carrier Safety Administration, you can keep your costs down.

The Type and Value of Your Cargo

Cargo coverage requires some planning ahead of time, as the truck insurance agent will first ask you what you are hauling since higher-value goods require more commercial truck insurance than inexpensive ones. (Example: It costs more to cover computers and jewelry than clothing and food.) Nonetheless, the extra protection is well worth the cost in the long term.

Overall Driving Record

As mentioned, each employee will need to maintain a clean driving record which translates into lower rates and high overall safety ratings for your company. You can keep your insurance rates down by ensuring all drivers are properly trained and updated on traffic laws and regulations.

Age and Experience of your Drivers

Experienced drivers between the age of 25 and 60 usually incur lower insurance premiums. Regardless of age, you can still obtain reasonable rates if your drivers maintain a clean record with no moving violations or accidents.

Condition and Age of Your Trucks

Keeping your equipment up to date and in excellent shape also helps to keep trucking insurance rates low. When you have dated equipment that has mechanical issues, your rates will quickly increase. Thus, regular maintenance pays off in the long run and lower premiums.

Transporters of Hazardous Materials

$5,000,000
Hazardous substances that are transported in cargo tanks, portable tanks, orhopper-type vehicles with capacities in excess of 3,500 liquid gallons

Transporters of Non-Hazardous Materials

$1,000,000
Motor carriers based outside of the U.S.A. who transport non-hazardous cargo

Foreign Carriers

$750,000
Motor carriers based outside of the U.S.A who wish to do business in Texas.

Household Goods Movers

$300,000
For those who carry household goods with a gross weight, registered weight or gross weight rating of less than 26,000 pounds

Commercial School Bus Operators

$500,000
For hire divers of school drivers who transport students of all ages to aresidence or public or private educational facility

Small Bus Operators

$500,000
Vehicles with the capabilities to transport more than 15 but less than 26passengers

Large Bus Operators

$5,000,000
Vehicles with the capabilities to transport more than 26 passengers

All Others

$500,000
Any private or for-hire motor carrier with a gross weight registered weight, orgross weight rating of more than 25.000 pounds

No Agency Fees

We don’t charge agency fees like others

Customer Service

Bilingual Representative (English/Spanish)

Competitive Rates

We negotiate with our carriers to lower your insurance prices

Safety Scores

We work directly with the DOT to improve your safety scores