North Texas Owner-Operators & Fleets 75+ Carriers Compared FMCSA Filings Handled 5.0 Google Rating
North Texas Trucking Insurance Keep Your Authority Active. Keep Your Trucks Rolling. Keep More of What You Earn.
When your truck isn’t covered, it isn’t earning. We’re a Frisco-based independent agency trusted by 75+ carriers to put competitive coverage behind owner-operators and motor carriers across the DFW freight corridors — and we handle your FMCSA and state filings so your authority activates, stays active, and brokers never kick back your certificate.
We file your BMC-91X proof of insurance with the FMCSA and manage your Texas and 50-state filings — so your MC authority activates and stays active without you chasing paperwork or sitting “Not Authorized.”
75+ Carriers, One Call
We’re independent, not captive. Instead of one company’s price, we put your operation in front of specialty trucking markets and bring back the most competitive rate for your radius, commodity, and loss history.
COIs Without the Wait
A broker won’t tender a load without a certificate of insurance. We issue COIs fast — often the same day — and add shippers and brokers as certificate holders so you’re never stuck in a yard waiting on paperwork.
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Judy Verduzco
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Mayra was very helpful, patient and made getting my insurance easy and stress free. Would definitely recommend her!
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david weaver
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Myra and her team are both friendly and thorough!! Highly recommend.
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Tyler Fisher
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Mayra was super helpful, and got me exactly what I needed for a great rate. Very quick turnaround as well, definitely recommend!
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David Villatoro
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George and the entire staff do a great job!
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Snayan Kumar
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Agent explained clearly about the policy and helped me get the best insurance ! Great work
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German_toast /:
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Easy process getting everything set up, fair price, friendly agents!
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Jackie Torres
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Mayra is amazing! She explained my policy so well and was fast, efficient, and incredibly patient. Thank you for making the process so easy!
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Stephen Jeffries
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George is very personable, patient and professional agent who will take the time to find out what you need and help you craft a program that will be economical while allowing you to sleep at night. Responsive and diligent.
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Marcos Lopez
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Best insurance in the metroplex, the prices are affordable and Mayra is an excellent agent who goes above to find the best deals. I highly recommend The Agent’s Office.
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Build the Coverage Your Operation Actually Needs
Trucking insurance isn’t one policy — it’s a stack of coverages, and the right combination depends on whether you run under your own authority, lease onto a carrier, or operate a fleet. Here’s what we build from, and we’ll tell you straight which pieces you actually need.
Required by FMCSAPrimary Auto LiabilityCovers bodily injury and property damage you cause to others. The federal floor is $750,000 for general freight — but most brokers and shippers require $1,000,000 before they’ll tender you a load.
Protects Your TruckPhysical DamageComprehensive and collision coverage for your tractor and trailer — the asset you (and your lender) can’t afford to lose. Effectively required if your rig is financed.
Protects Your FreightMotor Truck CargoPays for the load you’re hauling if it’s damaged, stolen, or lost. Most shippers require at least $100,000 in cargo coverage, with reefer breakdown available for refrigerated freight.
Off-DispatchNon-Trucking Liability (Bobtail)Coverage for when you’re driving your truck but not under dispatch — like heading home after dropping a load. Typically required when you’re leased onto a motor carrier.
Borrowed TrailersTrailer InterchangeProtects trailers you pull under an interchange agreement that you don’t own — common for leased-on owner-operators and fleets running drop-and-hook.
On the GroundTrucking General LiabilityCovers premises and operations exposures off the truck — loading, unloading, and slip-and-fall claims at docks, yards, and terminals.
Driver ProtectionOccupational Accident / Workers’ CompMedical and disability protection for drivers. Leased-on owner-operators often carry occ-acc; fleets with employee drivers typically need workers’ compensation.
Federal BackstopMCS-90 EndorsementThe federal endorsement that guarantees your public-liability financial responsibility under FMCSA rules. We make sure it’s attached and your filings match your authority.
Who We Write
From a single truck to a growing fleet, we place coverage for the way North Texas runs freight.
From our office in Frisco, we write trucking risks across the entire Dallas–Fort Worth metroplex and the freight corridors that move North Texas: the I-35 NAFTA corridor running south to Laredo, I-45 down to Houston, and I-20 and I-30 east-to-west. We work with carriers behind the region’s biggest logistics hubs — the AllianceTexas inland port in north Fort Worth and the Dallas Inland Port intermodal yards in southern Dallas County.
Whether you’re based in Dallas, Fort Worth, Denton, Garland, Mesquite, Irving, or running out of a yard along I-35, we understand your radius, your commodities, and the carriers that price your operation best — local agents who answer the phone, with the carrier shelf to back it up.
Your Truck Is Your Business. We Treat It That Way.
“We built The Agent’s Office® as an independent agency because the person placing your coverage should sit on your side of the table — not a single carrier’s. For a trucker, that matters even more. A wrong coverage call or a lapsed filing doesn’t just cost you a claim — it parks your rig and stops your income. We shop your operation across 75+ carriers, structure coverage around how you actually run, and keep your filings active so you stay legal and loaded.”
George AzideFounder, The Agent’s Office® · Frisco, Texas
Trucking Insurance FAQs
How much does commercial trucking insurance cost in Texas?
It varies widely based on your radius of operation, what you haul, your driving and loss history, years of experience, equipment value, and the coverage limits you carry. As a general range, owner-operators running under their own authority commonly see total annual premiums between roughly $9,000 and $18,000, and new-authority operations often run higher in year one. Drivers leased onto a carrier usually pay less, because the carrier’s policy provides primary liability. The only way to know your real number is to compare carriers — which is exactly what we do across 75+ markets to find the most competitive rate for your operation.
What insurance do I need to get my own authority (new MC number)?
To activate interstate operating authority, the FMCSA requires proof of public liability insurance filed on your behalf — typically a BMC-91X filing — plus a BOC-3 process agent filing. General freight carriers must meet the $750,000 federal minimum, though most brokers and shippers require $1,000,000 in liability plus cargo coverage before they’ll load you. We place the right coverage, file your proof of insurance with the FMCSA, and coordinate the filings so your authority goes active and stays active.
What’s the minimum liability insurance for a truck in Texas, and is it changing?
It depends on whether you cross state lines. If you run interstate under your own FMCSA authority, the federal minimum for general freight is $750,000 in public liability — set in 1985 and unchanged since — rising to $1,000,000 to $5,000,000 for oil and hazardous materials. If you operate only within Texas (intrastate), the TxDMV sets a lower state minimum: $500,000 combined single limit for general-freight trucks rated 26,001 lbs or more, under Texas Administrative Code Title 43, Chapter 218, with proof of coverage filed on Form E. One note for both: the FMCSA has signaled a proposed rule to raise the interstate general-freight minimum to $2,000,000 or more, but as of 2026 that’s a proposal in rulemaking — not yet law. And regardless of the legal floor, most brokers and shippers require $1,000,000 in liability before they’ll tender a load, so we usually structure coverage to that real-world standard.
Do I need motor truck cargo insurance?
Cargo insurance isn’t federally required for most general-freight carriers, but it’s effectively mandatory in the real world: nearly every shipper, broker, and load board requires it before they’ll tender a load — most commonly $100,000 in coverage, though high-value freight can require more. Motor truck cargo pays for the load you’re hauling if it’s damaged, stolen, or lost. If you haul refrigerated freight, we add reefer breakdown coverage so a unit failure doesn’t leave you holding a spoiled load.
What’s the difference between primary liability and non-trucking (bobtail) liability?
Primary liability covers bodily injury and property damage you cause to others while operating under dispatch — it’s the coverage the FMCSA requires. Non-trucking liability, often called bobtail coverage, applies when you’re operating your truck but not under dispatch, such as driving home after dropping a load. Owner-operators leased to a motor carrier are typically covered by the carrier’s primary liability while under dispatch, and carry their own non-trucking liability for everything else. We make sure there’s no gap between the two.
Do you handle FMCSA and state filings?
Yes. We file your proof of insurance directly with the FMCSA (BMC-91X) and handle Texas and 50-state filings so your authority shows as authorized and your certificates aren’t rejected. Most filing problems we see — authority sitting “Not Authorized,” or a broker kicking back a COI — come down to a mismatch in entity name, carrier type, effective dates, or a filing that never posted. We watch for those before they cost you a load.
Can you insure a brand-new authority or new-venture trucker?
Yes. New authority is the hardest segment to place and usually the most expensive in year one, because you don’t yet have a loss history or CSA scores to show underwriters. We work with carriers that specialize in new-venture and new-authority operations, and we structure your coverage so you can get on the road, build a clean track record, and re-shop for a better rate once you have a year of experience behind you.
Why should I use an independent agent for trucking insurance instead of buying direct?
A direct or captive agent can only show you one company’s price. An independent agency like The Agent’s Office® represents 75+ carriers, including specialty trucking markets that don’t sell direct to the public. That means we compare rates, underwriting appetite, and coverage terms across the market and match your operation — your radius, commodity, equipment, and loss history — to the carrier that prices it best. For a line as expensive as trucking, shopping the whole market is the difference between a competitive rate and an overpriced one.
A note on rates & limits: Premiums, federal minimums, and broker requirements vary by operation and can change. The figures above reflect common 2026 market conditions and are for general guidance — your quote is built on your specific authority, equipment, commodity, and loss history.
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