🚛 Why Did My Trucking Insurance Go Up in 2026? Dallas Truckers Are Asking This Right Now.

“Why is my truck insurance so high now?”

You’re not alone.

Across Texas — especially in Dallas — trucking insurance rates have increased again in 2026. And many owner-operators and fleet owners are frustrated.

Let’s break down why it’s happening, and more importantly, what you can do about it.

📈 1. Claims Across Texas Are Still Rising

Insurance companies price risk based on overall industry losses.

In the past few years:

• 🚛 Accident severity has increased

• 💰 Repair costs are higher

• 🧾 Lawsuit settlements are larger

• ⚖️ Nuclear verdicts continue to affect carriers

Even if YOU had no claims, carriers adjust pricing across the board.

💸 2. Repair & Equipment Costs Keep Climbing

• Parts are more expensive

• Labor rates are up

• New trucks cost more

• Technology systems increase replacement value

Higher replacement cost = higher physical damage premiums.

⚖️ 3. Litigation & Texas Court Trends

Texas remains one of the most litigated states for commercial auto claims.

When settlements increase statewide, insurers protect themselves by raising rates.

That impacts:

• Primary liability

• Excess coverage

• Umbrella policies

📊 4. Your Own Risk Profile Changed

Even small things can trigger increases:

• Adding drivers under 25

• Tickets or violations

• Increased radius of operation

• Higher annual mileage

• Change in cargo type

Sometimes the increase isn’t market-driven — it’s underwriting adjustments.

🚨 5. You’re With the Wrong Carrier

Some insurance companies:

• Aggressively raise renewal premiums

• No longer want trucking risks

• Exit certain markets

• Tighten underwriting guidelines

  
  

If you’ve been with the same carrier for years, you may be overpaying without realizing it.

💡 What Dallas Truckers Can Do Right Now

Instead of accepting the increase blindly:

✅ Shop Your Policy Before Renewing

Don’t wait until the last minute.

✅ Review Your Coverage Limits

You may be carrying limits you don’t actually need — or missing coverage you do.

✅ Restructure Deductibles

Adjusting deductibles can lower premiums strategically.

✅ Work With a Local Trucking Insurance Expert

National call centers don’t specialize in Texas trucking.

🏆 Why Dallas Truckers Call Danaco Group

We specialize in:

• 🚛 Owner-operators

• 🚚 Small fleets

• 📦 Cargo operations

• 🆕 New authorities

We shop multiple carriers to:

• Find competitive pricing

• Improve coverage structure

• Prevent claim denial surprises

• Ensure compliance with FMCSA & TxDOT

Sometimes we lower premiums.Sometimes we improve coverage.Often we do both.

🚀 Don’t Let 2026 Insurance Rates Control Your Business

If your trucking insurance increased this year, don’t assume it’s unavoidable.

👉 Contact Danaco Group for a free policy review and quote comparison.

You might be paying more than you need to.