How much does motor truck cargo insurance cost in Texas? (2026)
Motor Truck Cargo insurance pricing in Texas is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Texas. Below: the most-recent Texas filings affecting motor truck cargo operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Motor Truck Cargo cost guide.
Recent rate-filing activity — 6 state filings across 5 commercial lines
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting motor truck cargo operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | NCCI-134745334 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419 |
| Comm Auto | TX | ISO multistate zone-rated loss-cost revision | Sep 12, 2025 | ISOF-G134311774 |
| GL | TX | ISO multistate reference rule revision (rate impact per carrier LCM) | Jul 11, 2025 | ISOF-134446423 |
| Property | TX | ISO advisory prospective loss-cost revision | Jan 14, 2025 | ISOF-G134197813 |
| BOP | TX | ISO advisory prospective loss-cost revision | Nov 18, 2025 | ISOF-G134662502 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
National context — Motor Truck Cargo insurance overview
Motor Truck Cargo insurance is the coverage product specifically for the FREIGHT being hauled — distinct from the commercial-auto liability that covers the truck itself. Virtually every freight broker, 3PL, and major shipper requires proof of $100K+ Motor Truck Cargo coverage before letting a carrier haul their loads. It's the gatekeeper coverage for the entire trucking-as-a-business model.
Typical pricing: $400-$1,800/year per power unit for $100K-$250K limits (Insureon, 2024). Common limits: $100K (entry-level), $250K (mid-tier most-required), $500K-$1M (high-value cargo + reefer + Amazon DSP shipper contracts). Specialty cargo (hazmat, livestock, frozen, jewelry, electronics) requires endorsements. This page covers limits + exclusions + how to choose what's actually required by your shipper contracts. Every figure cites a named external publication.
National benchmark figures
Published cost ranges for Motor Truck Cargo insurance — useful as a national baseline against which the Texas filings above signal local direction.
More Texas rate-filing detail
- All Texas commercial rate filings (every line, every recent filing) — the broader rate-data view for Texas
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real Texas quote for motor truck cargo
The data above shows the regulator-filed direction for Texas. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
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