Burleson commercial truck operators anchor to TAIPA Territory 34 (Johnson County) residual-market base rate of $392 per vehicle per year (TDI Commissioner Order 2025-9419, effective November 1, 2025). The rate sits below the urban Houston / Dallas / Plano tier and above the Texas Panhandle rural tier, reflecting the transition profile from rural Johnson County into the southwest DFW commuter corridor along I-35W south. Solo Class 8 OTR owner-operator expect $8,500–$14,500 per year.
BI base per vehicle/yr
commuter feed
mid-tier territory
interstate for-hire
Burleson's commercial truck market sits at the demographic seam between rural Johnson County OTR work and the DFW commuter-corridor exurb straight-truck activity feeding Fort Worth + DFW via I-35W south. Service-area boundaries + dispatch-corridor mix differ from urban-DFW territories.
What makes Burleson commercial truck insurance different
- DFW exurb growth corridor + I-35W south OTR feed — Burleson is among the fastest-growing southwest DFW exurbs; I-35W south of Fort Worth carries the principal OTR feed from Johnson County into the DFW metro.
- Johnson County rural-to-suburban transition — Burleson commercial truck operators service both the urban-commuter corridor and the surrounding rural Johnson + Hood counties, a service mix that drives Commercial Auto territory complexity.
- Lower municipal-permit compliance load — Burleson's commercial-vehicle ordinance is simpler than Dallas Chapter 45 or Plano municipal code, distinct from the rural county-only regime in deeper Johnson + Hood county routes.
- Smaller-fleet voluntary-market presence — Johnson County voluntary-market commercial truck capacity skews toward smaller specialty trucking carriers (independent agencies + regional program managers) vs. the major Houston / Dallas Great West / Northland producer offices.
Coverage stack a Burleson commercial truck operator needs
Per the parent Commercial Truck Insurance Guide — Primary Auto Liability, Physical Damage, Motor Truck Cargo, General Liability, Bobtail / Non-Trucking Liability, Workers Comp. Burleson additions: Burleson municipal commercial-vehicle permit + TDLR registration for any nonconsent operation.
How much does Burleson commercial truck insurance cost?
- Solo Class 8 OTR owner-operator — $8,500–$14,500/year.
- Single-truck rural-route Johnson County operator — $7,500–$13,000/year.
- Small mixed fleet (3-5 trucks, urban + rural service) — $30,000–$72,000/year.
- Mid-size Class 8 fleet — $65,000–$210,000/year.
- Residual placement (TAIPA T34) — $392/year per vehicle BI layer.
Filed rates: what state regulators actually approve
Insurers can't charge whatever they want for commercial coverage — they must file their rates publicly with each state's Department of Insurance (DOI). Those filings are primary-source, government-held pricing records available via SERFF Filing Access (filingaccess.serff.com). The filed loss cost is the most authoritative starting point for "how much does this cost" — more authoritative than any blog estimate, including ours when not anchored to a filing.
Here's the actual 2025 Texas Automobile Insurance Plan Association (TAIPA) base-rate filing for Territory 34 (Johnson County) — approved by TDI Commissioner Order 2025-9419 (Bulletin B-0009-25), effective November 1, 2025. Burleson commercial truck operators in the voluntary market typically pay LOWER than this residual ceiling. The T34 mid-tier rate reflects the transition profile from rural Johnson County into the DFW commuter corridor along I-35W south.
About this filing: This is a residual-market base rate — the filed value is dollars per vehicle annual (Bodily Injury Liability) for risks placed in the assigned-risk pool, not a per-$100-payroll loss cost, so the standard modal-payroll triangulation doesn't apply. Voluntary-market commercial auto quotes from standard carriers typically run materially lower than these residual-market ceiling rates. ISO commercial-auto loss-cost filings and per-carrier LCM captures are in our mining queue — see our Rate Changes Tracker as voluntary-market filings land.
How to read filed rates: the filed value is the advisory loss cost (NCCI for WC) or manual base rate (carrier filings for GL / Auto) — what carriers and rating organizations submit to regulators as the actuarial starting point. The actual quote you receive applies a Loss Cost Multiplier (LCM) the carrier filed separately, plus rating factors for territory, payroll, experience modifier (Mod), and schedule credits or debits. Same loss cost × different LCM = why two carriers quote you very different prices for the same business.
Honest note on what we triangulate and what we don't: the GBC triangulation above uses our real funnel's modal payroll bracket × the filed loss cost × a typical LCM range — that's the expected actual premium derived from primary-source data, not a measured quote median. We don't currently capture carrier-quoted premiums on our leads (the partner integrations track acceptance status, not pricing), so we cannot yet say "the actual median of N quotes was $X." We are building a Quote-Outcome capture layer specifically to add that measured median; until it ships, the figure above is the expected premium implied by the filing, paired with the real GBC payroll distribution. See our methodology page for the full breakdown of what we measure today and what we are adding.
Other Texas commercial truck markets
- Houston, TX — TAIPA T1 ($561) + Port of Houston.
- Dallas, TX — TAIPA T2 ($506) + DFW air-freight.
- Plano, TX — TAIPA T28 ($506) + Collin tech.
- Amarillo, TX — TAIPA T62 ($141) + Panhandle.