Quick Answer
Texas Taxi Insurance
Taxi insurance requirements in Texas vary by city and county transportation authority, but every taxi operator needs a commercial auto policy meeting state for-hire minimums — personal auto insurance excludes taxi and for-hire operations entirely.
Texas requires commercial auto liability for all taxi operators, with city and county transportation authorities often layering on additional requirements such as higher limits or specific additional insured endorsements for medallion or permit holders.
Major cities within Texas frequently set their own taxi insurance minimums above the state baseline, along with medallion or permit-specific requirements. We verify your specific city's requirements before binding coverage.
Taxi insurance in Texas typically costs $3,000–$7,000 per vehicle per year depending on the city, driver record, and vehicle type, with higher-density urban markets generally costing more due to claim frequency.
Requirements vary by city, but most Texas taxi operators need
No. Personal auto insurance excludes for-hire commercial use in every Texas jurisdiction. A dedicated commercial taxi policy is required from day one of operation.
Taxi insurance in Texas typically costs $3,000–$7,000 per vehicle per year, varying by city, vehicle type, and driver record.
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