Commercial Auto Insurance Dallas, TX

The Thumann Agency provides Commercial Auto Insurance in Dallas, TX, customized to fit your individual business needs. Whether you operate a single work vehicle or an entire fleet, our experienced agents are committed to finding you the best coverage at the right price—saving you time and money while keeping your business protected, so you can stay focused on the road ahead.

Why Choose the Thumann Agency

Choosing an independent insurance broker can make a significant difference in protecting your business. Here’s why we stand out:

• More Choice, Better savings we partner with over 80 top-rated insurance carriers.
• Your Personal Risk Specialist We help you reduce risks before they become costly claims. ​
• We Save You Time Our licenced agents find you the best coverage without the guesswork.  
• We're Local We know Texas state regulations and industry risks, first hand. 
• Trusted Since 1996 We’ve helped thousands of businesses secure reliable risk management solutions.​

We’ll help you find coverage that fits your budget and keeps you protected! 

Get a new quote | Call us 972.991.9100

A Deeper Look at Commercial Auto Insurance 

Commercial auto insurance can cover various vehicle types, including cars, trucks, vans, limos, and buses, as well as the drivers operating them for business purposes. It typically includes bodily injury liability and property damage liability for accidents involving a company vehicle. It can also provide medical payments coverage or Personal Injury Protection (PIP) for the driver and passengers of the insured vehicle, depending on policy options.

• Key Coverage Areas:

  • Liability for bodily injury and property damage
  • Medical payments or personal injury protection (PIP)
  • Comprehensive and collision coverage
  • Uninsured/underinsured motorist protection

Personal vs. Commercial Auto Insurance​

What Type Of Business Need it?

Some examples include:

• General Contractors traveling between job sites
• Real Estate Agents visiting multiple properties
• Delivery Services transporting products across Dallas and beyond
• Loading Companies such as transporting goods or equipment

Even if you use a personal vehicle for work-related tasks, a personal auto insurance policy may not cover accidents that occur during business use.

How Much Does Commercial Auto Insurance Cost in Dallas?

Commercial auto insurance rates can vary based on factors such as the type of vehicle, how often it’s driven, and your driving history. On average, policies can start from $145 per month. 

Factors that influence your premium:

• Vehicle Type: Heavy trucks may cost more to insure than a standard sedan.
• Driving Record: A clean driving record can lower premiums. Protect your bottom line - discover the best practices for hiring safe, reliable drivers.
• Usage: The more miles driven annually, the higher the cost

Is Commercial Auto Insurance Required in Texas?

Yes, Texas law requires businesses to carry a minimum amount of liability insurance for vehicles used for work. The minimum coverage limits are:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury
• $25,000 for property damage

These limits may not be enough for many businesses, so it’s advisable to opt for higher coverage based on your specific needs.

Can I Combine Commercial Auto with Other Business Policies?

Absolutely! Many Texas business owners choose to bundle their commercial auto insurance with other policies like general liability insurance or a business owner's policy (BOP) for comprehensive coverage. Bundling policies can often lead to discounts and better protection.

Frequently Asked Questions About Commercial Auto Insurance in Dallas

What’s the difference between personal and commercial auto insurance?

The main difference comes down to how you use your vehicle. Personal auto insurance is meant for everyday use like commuting or running errands. Commercial auto insurance, on the other hand, is designed for vehicles used for work—like making deliveries, transporting equipment, or driving between job sites. If you're unsure which one you need, check out our detailed guide on Personal vs. Commercial Auto Insurance.

Can I use my personal vehicle for work and still be covered?

In most cases, no. Personal auto policies typically don’t cover accidents that happen while you're using your car for business. So if you're using your vehicle to visit clients, carry tools, or deliver goods, a commercial policy is usually required.

Do I need commercial auto insurance if I only have one work vehicle?

Yes, you do. Even if it’s just one vehicle, once it’s used for business, it needs the right kind of protection. A commercial auto policy offers coverage tailored to the unique risks businesses face on the road.

Is there coverage available for part-time or seasonal businesses?

Yes! We can help you find a policy that fits your business's schedule. Whether you operate year-round or only during certain months, our agents can find flexible options that work for you - and your budget.

What do I need to get a commercial auto insurance quote?

Getting started is easy. We'll just need a few details—your business info, how the vehicle is used, the vehicle's VIN number, and driver information. Our team will take it from there and do the shopping for you.

Protect Your Business with the Thumann Insurance Agency

Whether you're a contractor, delivery service, or a small business using company vehicles, having the right Commercial Auto insurance in Dallas, TX is essential. With our tailored solutions and expert advice, our licensed agents are here to protect your business every mile of the way.

Start saving today! Call 972.991.9100 or start a new Insurance quote

Client Testimonials For Our Insurance Services

What People Say About the Thuman Agency 

⭐⭐⭐⭐⭐  4.9 out of 5

At Thumann Insurance Agency, our clients value our fast response times, cost-saving solutions, and outstanding service. Many have shared how they received quick, competitive quotes—often within hours—when other agencies fell short. Customers appreciate our clear explanations of coverage, transparent pricing, and honest guidance on selecting the right policy. Whether for personal or business insurance, our knowledgeable team is committed to making the process simple, stress-free, and tailored t each client’s needs.

Last Updated: 04.13.2025
Author: Steve Thumann, Licensed Texas Insurance Broker.

Disclaimer: This page is for educational purposes only. Coverage details for Commercial Insurance in Dallas,Tx may vary by provider. Contact us for a personalized quote.