Commercial auto rate filings in Texas (2026)
Every carrier writing commercial auto coverage in Texas files its rates and rating rules with the state's insurance regulator — the primary-source records behind every commercial auto quote in Texas. This page tracks the 7 active commercial auto filing(s) on record for Texas, filed by 3 distinct carrier(s).
Commercial auto rate filings in Texas are reviewed by the Texas Department of Insurance. The governing authority is Texas Insurance Code Title 13 (licensing) · Texas Labor Code §406.002 (WC opt-in/opt-out). You can confirm any Texas carrier or agent is licensed with the state's license-lookup tool. A commercial auto premium in Texas is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Texas businesses with the same profile can be quoted very different commercial auto premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with commercial auto filings on record in Texas include Texas Automobile Insurance Plan Association (TAIPA), Texas Automobile Insurance Plan Association (TAIPA) — residual market, Insurance Services Office (ISO) / Verisk. These are filings on record — Texas's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. Where a base rate is filed, values run from $141.00 to $561.00 on the filed rating basis. The most-recent commercial auto filing we track for Texas is effective November 2025. Every row below cites its filing reference so the Texas regulator record can be verified.
Recent rate-filing activity — 7 state filings across 1 commercial line
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 commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T28 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T2 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T34 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T23 |
| Comm Auto | TX | per vehicle annual (Bodily Injury Liability) — RESIDUAL MARKET | Nov 1, 2025 | TAIPA-2025-CA-9419-T62 |
| Comm Auto | TX | ISO multistate zone-rated loss-cost revision | Sep 12, 2025 | ISOF-G134311774 |
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.
Texas Automobile Insurance Plan Association (TAIPA) filed 2025-9419 effective November 2025 (active). Texas Automobile Insurance Plan Association (TAIPA) — residual market filed 2025-9419 effective November 2025 (active). Texas Automobile Insurance Plan Association (TAIPA) — residual market filed 2025-9419 effective November 2025 (active). Texas Automobile Insurance Plan Association (TAIPA) — residual market filed 2025-9419 effective November 2025 (active). Texas Automobile Insurance Plan Association (TAIPA) — residual market filed 2025-9419 effective November 2025 (active). Texas Automobile Insurance Plan Association (TAIPA) — residual market filed 2025-9419 effective November 2025 (active). Insurance Services Office (ISO) / Verisk filed CA-2024-RZR1 effective September 2025 (active).
Commercial auto covers the vehicles a Texas business owns, leases, or operates — liability for injuries and damage the vehicle causes, plus optional physical-damage coverage. It is rated on vehicle count, use, radius, and driver records.
Across Texas, commercial auto carriers earned about $5.6B in premiums at a 79.1% loss ratio and a -17.3% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how commercial auto actually performs in Texas, beyond any single carrier's filing.
Key takeaways for Texas commercial auto
- Texas commercial auto rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Texas commercial auto premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Texas commercial auto rates differ for your specific operation.
Get a real Texas commercial auto quote
These filings are the regulator-held record — your actual commercial auto premium depends on your classification, exposure basis, and each carrier's filed rates and loadings. Request a free Texas quote in under 90 seconds.
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Figures summarized here are drawn from public Texas Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.