Commercial Insurance Austin TX
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Austin Commercial Vehicle Insurance
If your business relies on vehicles for operations, commercial vehicle insurance in Austin, TX is essential. Unlike personal auto policies, commercial insurance covers vehicles used for business activities—including work trucks, delivery vans, and company cars. Personal auto policies typically exclude business use, leaving your company exposed to liability.
Texas Commercial Auto Insurance Requirements
Texas state law requires all commercial vehicles to carry minimum liability coverage:
- $30,000 Bodily Injury Liability per person
- $60,000 Bodily Injury Liability per accident
- $25,000 Property Damage Liability per accident
These 30/60/25 minimums apply to businesses across Texas, including Austin, Houston, Dallas, and San Antonio. However, many contractors and fleet operators choose higher limits for better asset protection.
What Austin Commercial Vehicle Insurance Covers
- Liability Coverage – Pays for injuries or property damage you cause while operating business vehicles
- Collision Coverage – Covers damage to your vehicles in accidents, regardless of fault
- Comprehensive Coverage – Protection against theft, vandalism, weather damage, and other non-collision incidents
- Hired and Non-Owned Auto (HNOA) – Coverage for rented vehicles and employee cars used for business
- Uninsured/Underinsured Motorist – Protection when the other driver lacks sufficient coverage
Commercial vs. Personal Auto Insurance
The key difference: personal auto policies exclude business use. If an employee uses their personal vehicle for deliveries, errands, or client visits, your business could be liable. Commercial vehicle insurance fills this gap with coverage designed for:
- Contractors and construction companies
- Delivery and courier services
- Food trucks and mobile businesses
- Sales teams and service fleets
- Any business with company vehicles
Austin Commercial Auto Insurance Rates by City
Commercial auto insurance rates in Texas vary by location. Factors include:
- Austin – Competitive rates for small businesses; traffic density affects premiums
- Houston – Higher premiums due to population and accident rates
- Dallas – Moderate rates with competitive carrier options
- San Antonio – Often lower than larger metros
EZ Insurance Agency works with 20+ carriers to find the cheapest commercial vehicle insurance in Austin and across Texas.
Get Your Free Commercial Auto Quote
Getting started is easy. Our commercial lines agents will customize a policy to fit your fleet size, industry, and budget. We offer:
- Quotes from multiple top-rated carriers
- Flexible payment plans
- Discounts for bundled policies (commercial auto + general liability)
- Same-day coverage available
Call us at (512) 444-4445 or fill out the form below to get started.
Request a Free Quote
Step 1: Select Insurance Type
Tip: You can bundle policies by selecting multiple services.
We may use information from you and other sources, such as your driving record, claims and credit histories to provide you with an accurate quote and other important information either via this website, email, phone or text messages. By continuing, you acknowledge you have reviewed our Privacy Policy and consent to use of this information.
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We received your quote request. One of our agents will contact you shortly.
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Serving Austin, Round Rock, Cedar Park, and all of Central Texas since 2002.
Why Austin Trusts EZ Insurance
Best Rates
We shop 30+ carriers for the lowest rate.
Fast Approval
Get approved in minutes. Same-day coverage.
Local Agents
Real Austin people who know Texas insurance.
Claims Help
Friendly support when you need it most.
What is Included
✓ Business Owners Policy
Combined property and liability coverage.
✓ Commercial Auto
Coverage for company vehicles.
✓ Workers Compensation
Required Texas employee protection.
✓ General Liability
Third-party injury and property damage.
✓ Professional Liability
E&O coverage for service businesses.
✓ Property Insurance
Business building and equipment.
Available Discounts
Multi-Policy
Save up to 20%
Good Student
Up to 15% off
Safe Driver
Up to 30% off
Anti-Theft
Discount available
Pay in Full
Save upfront
Low Mileage
Under 10K miles/yr
Request a Free Quote
Step 1: Select Insurance Type
Tip: You can bundle policies by selecting multiple services.
We may use information from you and other sources, such as your driving record, claims and credit histories to provide you with an accurate quote and other important information either via this website, email, phone or text messages. By continuing, you acknowledge you have reviewed our Privacy Policy and consent to use of this information.
Thank You!
We received your quote request. One of our agents will contact you shortly.
Reference ID:
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Frequently Asked Questions
How quickly can I get coverage?
Same-day coverage available. You will have proof immediately after approval.
What payment options do you accept?
All major credit cards, debit cards, bank transfers, and automatic payments.
Can I add more drivers to my policy?
Yes! Call us to add family members. We offer multi-driver discounts.
Do you offer payment plans?
Yes! Monthly, quarterly, and annual options with no interest.