How much does nemt insurance cost in Texas? (2026)

Recent rate-filing activity — 8 state filings across 2 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 nemt operations, each cited to the regulator or bureau filing it came from.

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 — NEMT insurance overview

Non-emergency medical transportation (NEMT) moves a vulnerable population — wheelchair and mobility passengers, dialysis and appointment runs — which shapes the whole insurance program. Commercial (livery) auto at high limits is the core, and sexual abuse & molestation (SAM) coverage is increasingly mandatory because standard auto and general-liability policies do not carry it. Broker networks (the entities that assign the trips) add their own certificate-of-insurance requirements — additional-insured, primary & non-contributory wording, and a 30-day cancellation notice.

As an industry-typical estimate, NEMT programs commonly require $1,000,000 combined-single-limit commercial auto (state Medicaid and broker rules push the range $300,000–$1,500,000) plus $1M/$2M general liability and SAM. No insurance bureau publishes NEMT premiums, so every dollar here is an estimate; each fact is sourced to a named authority (III, IRMI). Use the calculator below, then get a real quote in 5 minutes.

Industry-typical market ranges (national)

Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form

Coverage lines a NEMT operation typically carries (industry-typical estimates):

• Commercial (livery) auto: transporting passengers for hire at high limits (commonly $1,000,000 CSL; Medicaid/broker rules vary). III commercial auto.
• Sexual abuse & molestation (SAM): allegations from transporting vulnerable passengers — not carried by standard auto or GL, and increasingly required. IRMI abuse or molestation.
• General liability: slips and injuries during loading, boarding and assistance. III commercial general liability.
• Workers' compensation: mandatory for drivers and attendants in nearly every state. III workers comp.

Broker network, Medicaid contract limits and fleet size are primary rating factors.

For Texas-specific direction, see the filed-rate table above.

Get your actual Texas quote in 5 minutes

The data above is regulator-filed direction. Your actual Texas quote depends on class code, payroll, experience modifier, and the LCM each carrier files.

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 nemt

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.

Related guides

• General Liability glossary entry
• Class Code glossary entry
• Our sourcing methodology

Sources cited (national context above)

1. Commercial Auto Insurance — Insurance Information Institute (III), 2024
2. Abuse or Molestation Coverage — International Risk Management Institute (IRMI), 2024
3. Commercial General Liability Insurance — Insurance Information Institute (III), 2024
4. Workers Compensation Insurance — Insurance Information Institute (III), 2024