If your business owns or operates vehicles, understanding the costs of commercial auto insurance in Dallas is crucial. The price of insurance varies based on several factors, including the type of business, number of vehicles, and coverage options.
As a leading independent insurance agency based in Dallas, Texas, the Thumann Agency specializes in helping business owners find the best commercial auto coverage tailored to their needs.
What is Commercial Auto Insurance?
Commercial auto insurance is a specialized policy designed to cover vehicles used for business purposes. This type of insurance helps protect businesses from financial losses caused by accidents, theft, vandalism, or other vehicle-related damages. Policies typically include:
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Liability Coverage: Covers damages to other people or property if your business vehicle is involved in an accident.
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Collision Coverage: Pays for repairs or replacement of your business vehicle after a collision.
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Comprehensive Coverage: Protects against non-collision damages like theft, vandalism, fire, or weather-related incidents.
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Personal Injury Protection (PIP): Covers medical expenses for employees injured in a business vehicle accident.
What Is the Average Cost of Commercial Auto Insurance in Dallas?
On average, small businesses pay about $145 per month or $1,762 per year for commercial auto insurance in Dallas. However, your actual premium may be higher or lower depending on factors such as the number of vehicles, industry type, and coverage levels.
Typical Commercial Auto Insurance Costs
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37% of small businesses pay less than $100 per month.
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26% of small businesses pay between $100 and $200 per month.
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Costs vary based on the number of work vehicles, coverage levels, and industry risks.
Factors That Affect Commercial Vehicle Insurance Rates
1. Coverage Limits & Deductibles
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Higher liability limits increase your premium but provide better protection.
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A higher deductible lowers your premium but requires you to pay more out-of-pocket in a claim.
2. Type of Coverage
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Liability-only coverage (required by law) is the most affordable.
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Comprehensive coverage includes theft, vandalism, fire, and weather damage but costs more.
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Collision coverage covers damage to your vehicle regardless of fault.
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Hired & Non-Owned Auto (HNOA) Insurance covers rented or personal vehicles used for work.
3. Industry & Vehicle Type
Some businesses face higher insurance costs due to the nature of their work:
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Food trucks and tow trucks—higher risk due to frequent driving and expensive equipment.
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Construction vehicles (dump trucks, cement mixers)—higher exposure to job site risks.
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Delivery vehicles—increased mileage and potential accident exposure.
4. Driving Records & Claims History
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A clean driving record for you and your employees leads to lower rates.
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A history of accidents or claims increases your premium.
Commercial Auto Insurance Requirements
In Dallas, all vehicles, including those used for business purposes, must meet the state’s minimum auto liability insurance requirements:
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$30,000 in bodily injury liability per person
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$60,000 in bodily injury liability per accident
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$25,000 in property damage liability per accident
Failing to meet these minimum requirements can result in fines and penalties, putting your business at risk. At Thumann Insurance Agency, we ensure your policy meets Texas legal requirements while providing the protection your business needs.
How Policy Limits Impact Cost
Commercial auto insurance policies include two main types of liability limits:
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Per-occurrence limit: The maximum amount your insurer will pay for a single accident.
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Aggregate limit: The total amount your policy will cover over its term (usually one year).
For example, a $1 million/$2 million policy means:
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Up to $1 million per accident
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Up to $2 million total coverage within the policy period
Higher limits offer better protection but also come with a higher premium.
Get a Free Commercial Auto Insurance Quote
At the Thumann Insurance Agency we specialize in finding affordable commercial auto insurance in Dallas and beyond by comparing policies from multiple providers. Our dedicated team ensures that you receive the right balance of coverage and cost savings.
Call us today or get a free online quote to protect your business vehicles!