Commercial Insurance Austin TX
Business auto, liability, workers comp — built for Texas businesses.
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Born and raised in Central Texas.
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Insurance Services
Auto Insurance
Liability to full coverage. SR-22 filing. Cheapest rates from 30+ carriers.
Explore Auto →Why Austin Trusts EZ Insurance Agency
4.8 Stars on Google
Hundreds of 5-star reviews from Austin drivers.
30+ Carriers Shopped
We compare so you don't have to.
Same-Day Coverage
Approved in minutes, not days.
Local Austin Team
Born and raised in Central Texas.
What Austin Customers Say
"EZ Insurance saved me over $600/year on my auto policy. I didn't even know I was paying too much until they shopped around for me."
"Called (512) 444-4445 and had a quote in 10 minutes. They found me a policy that actually covered everything I needed."
"The local Austin team made bundling home and auto so easy. Saved 20% off what I was paying before."
Frequently Asked Questions
Most customers are covered the same day. Call or visit any of our 3 Austin locations and leave insured.
Yes. We work with all major SR-22 carriers in Texas to help you get back on the road.
Absolutely. Bundling is one of the easiest ways to save. Most customers who bundle save 20 to 30 percent overall.
We work with high-risk carriers that others do not. Whether it is a payment lapse, recent bankruptcy, or first-time driver, we find options.
All major credit cards, debit cards, bank transfers, automatic payments, and flexible payment plans (monthly, quarterly, and annual with no interest).
Yes. We offer multi-driver discounts when you add family members.
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.
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Serving Austin, Round Rock, Cedar Park, and all of Central Texas since 2002.
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