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Independent Insurance Agency Serving 9 Licensed States (786) 288-6167 info@hiainsure.com

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Commercial Auto Insurance for Texas Businesses

Your business vehicles need coverage that fits the work they do. Hancy’s Insurance Agency helps Texas business owners compare available commercial auto insurance options for work pickups, vans, service vehicles, and fleets. Tell us how your vehicles are used, who drives them, and where they operate so we can review suitable options.

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Hancy’s Insurance Agency

Get Your Insurance Quote

Tell us what you want to protect. Complete your quote request with HIA.

  • Personal and business coverage
  • Licensed agent guidance
  • No obligation to buy
Start My Quote

A quote request does not bind coverage.

What to prepare for your commercial auto quote

Have your business name, garaging addresses, vehicle details, driver information, current coverage, and loss history ready. Describe deliveries, customer visits, employee driving, and travel outside Texas. Include any insurance requirements from customers or contracts so your agent can review them alongside the available policy terms.

Comparing commercial auto proposals

Compare proposals using the same vehicles, drivers, liability limits, deductibles, and business operations. Ask your agent to explain covered vehicles and drivers, exclusions, payment terms, and any hired or non-owned auto options relevant to your business. The lowest premium alone does not show whether a policy fits your operation.

Coverage where you live and work

Coverage Guidance Across Our Nine Service States

Reviewed October 11, 2026. Select coverage for your product and location; state rules and individual requirements are different.

Texas coverage guidance

Texas Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Texas vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Texas vehicle insurance information

Florida coverage guidance

Florida Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Florida vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Florida vehicle insurance information

Georgia coverage guidance

Georgia Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Georgia vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Georgia vehicle insurance information

New Mexico coverage guidance

New Mexico Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. New Mexico vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · New Mexico vehicle insurance information

Kansas coverage guidance

Kansas Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Kansas vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Kansas vehicle insurance information

Ohio coverage guidance

Ohio Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Ohio vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Ohio vehicle insurance information

South Dakota coverage guidance

South Dakota Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. South Dakota vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · South Dakota vehicle insurance information

Arizona coverage guidance

Arizona Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Arizona vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Arizona vehicle insurance information

Virginia coverage guidance

Virginia Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Virginia vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Virginia vehicle insurance information

Requirements can change. A licensed agent reviews the applicable policy, vehicle or business classification, contracts and official requirements before binding.

Commercial Auto Insurance Coverage Built Around You

Compare coverage for work vehicles used by contractors, electricians, plumbers, landscapers, and delivery businesses.

Service vehicles

Describe how pickups, vans, and trucks are used and who drives them.

Delivery and travel

Share delivery work, operating radius, vehicle ownership, and any contract requirements.

A growing fleet

Review liability, physical damage, deductibles, hired or non-owned vehicles, and driver changes.

Why Choose Hancy’s Insurance Agency?

HIA helps individuals, families, and businesses compare available insurance options through one independent agency. A licensed agent explains limits, deductibles, exclusions, and next steps before you choose.

  • Compare available carrier and partner-market options
  • Get guidance based on your actual coverage needs
  • Review policy terms and payment options
  • Receive help with renewals, policy changes, and claims direction

Final rates and eligibility depend on carrier underwriting. Coverage is not bound until confirmed.

Compare Commercial Auto Insurance by State

Explore insurance resources across HIA’s nine licensed states. Availability varies by product, location, and eligibility.

Texas Commercial Auto Insurance →Florida Commercial Auto Insurance →Georgia Commercial Auto Insurance →New Mexico Commercial Auto Insurance →Kansas Commercial Auto Insurance →Ohio Commercial Auto Insurance →South Dakota Commercial Auto Insurance →Arizona Commercial Auto Insurance →Virginia Commercial Auto Insurance →

Why Clients Trust HIA

Independent guidance

Review coverage through available carriers and partner markets with one agency.

Coverage explained

Understand limits, deductibles, exclusions, and underwriting before making a decision.

Service after the sale

Request policy changes, renewal reviews, documents, and claims guidance.

Possible Market Options

Carrier availability depends on your state, coverage needs, underwriting, and HIA’s active market access. Ask your agent which options are available for your request.

GEICO

Review available coverage, limits, deductibles, and eligibility with HIA.

Compare Options

National General

Review available coverage, limits, deductibles, and eligibility with HIA.

Compare Options

Cover Whale

Review available coverage, limits, deductibles, and eligibility with HIA.

Compare Options

Diesel Insurance

Review available coverage, limits, deductibles, and eligibility with HIA.

Compare Options

Customer experiences

What HIA Customers Say

Find HIA on Trustpilot

Read or share feedback about your experience with Hancy’s Insurance Agency on our Trustpilot profile.

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Customer reviews from Google

The testimonials below were shared on Google. Visit Trustpilot above to view or add feedback on that platform.

“Fast and easy”

Ty BAKER

Google review

“The agent was very courteous and helpful. He made sure I was a satisfied customer.”

sherry Morris

Google review

“Hancy’s Insurance is one of the best insurance agents I’ve ever worked with.”

Donell Barkes

Google review excerpt

Visit HIA on Google

Simple from the start

One Request. A Clear Next Step.

01

Tell us what you need

Choose coverage and share the basic details. Start with a short request, then provide what the agent needs for a quote.

02

Review available options

A licensed advisor checks market availability and explains coverage, deductibles, and costs.

03

Choose with support

Ask questions before deciding. HIA can help with service requests and policy reviews after the sale.

Get My Options

Explore Coverage for Your Needs

Hot Shot Insurance for Texas Hauling Businesses →Owner Operator Trucking Insurance in Texas →New Venture Trucking Insurance in Texas →Fleet Trucking Insurance for Texas Businesses →Box Truck Insurance in Texas →Motor Truck Cargo Insurance for Texas Truckers →Contractors Insurance →Electrician Insurance →Plumber Insurance →Cleaning Service Insurance →Restaurant Insurance →General Liability Insurance →

Frequently Asked Questions

How do I get a Commercial Auto Insurance quote?

Start with your contact details, ZIP code, and coverage request. A licensed HIA agent reviews what is needed to compare available options.

Does requesting a quote activate coverage?

No. A quote request does not bind coverage. Coverage begins only when the insurer confirms the policy and its effective date.

Can HIA compare more than one insurance company?

HIA is an independent agency with access to multiple carriers and partner markets. Available options depend on your state, coverage needs, and eligibility.

Is the lowest price always the best option?

Price matters, but review policy limits, deductibles, exclusions, and the protection you need before choosing.

Can I start online and finish with an agent?

Yes. Complete the quote request online, then review your coverage and available options with a licensed HIA agent.

Let’s Compare Your Options.

One agency to help you understand coverage and find a policy that fits.

Start Commercial Auto Quote

Text QUOTE to (786) 288-6167