Owner-Operators · New Authorities · Small Fleets

Truck Insurance That Treats You Like a Driver — Not a Lead.

A licensed Texas trucking agent shops multiple A-rated carriers, gets you covered fast, and never sells your number. Whether you've run 20 years or just got your authority this week.

  • One licensed agent — one callback. Your info is never sold or spammed.
  • New authorities welcome — we get first-time operators on the road.
  • Liability, cargo, physical damage & bobtail — all in one place.
  • Fast certificates of insurance so you never miss a load.
Rather talk now? 📞 346-279-0960 💬 Text us
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See Your Rate — Free
Answer a few quick questions and a licensed Texas agent calls you back the same day with real coverage options from A-rated carriers — free, no obligation.
★★★★★ Trusted by Texas truckers Licensed TX agency Your info is never sold
What do you run?
Semi / Tractor-Trailer
Box Truck
Hotshot
Dump Truck
Tow Truck
Other / Not Sure
How many trucks?
1 truck
2–5 trucks
6–20 trucks
New authority
How do you run?
Under my own authority
Leased on to a carrier
Just got my MC number
Not sure yet
What's your operating radius?
Local (under 150 mi)
Regional (150–500 mi)
Long-haul / OTR
Not sure yet
What do you haul?
General Freight
Refrigerated (Reefer)
Flatbed / Heavy Haul
Auto / Car Hauling
Hazmat
Other / Mixed
Where should your agent call you back?
📞 This is the number your licensed agent calls back — please double-check it.
🚚 Required — we use this to pull your safety record. No USDOT yet? Just type XXX.
What you’ll get:
✅ Instant email confirming we got it
✅ A same-day callback from one licensed Texas agent
✅ A follow-up email with the coverage options we can get you

🔒 One callback from a licensed Dunphy agent. We never sell your info.

Got it — check your inbox 📧

We just emailed you a confirmation. A licensed Dunphy agent will call you back today at the number you gave us, and we'll email your coverage options the same day. Need it faster? Call or text 346-279-0960.

We shop A-rated carriers so you don't have to
A-Rated Carriers
Multiple Markets Shopped
New-Authority Friendly
Owner-Ops & Fleets
Texas-Based Agency
Specialists
Trucking insurance is all we do
Licensed
Texas Agency · #3339091
Local
Texas-owned agency
🔒 Never Sold
Your info stays with us

Who We Insure

Whether you're leased on, running your own authority, or just got your MC number — we know your operation.

🚛

Owner-Operators

Own authority or leased on — we cover both, and we'll tell you straight which coverages you actually need for your setup (and which you don't).

We Specialize Here
📝

New Authorities

Just got your MC/DOT number? You can't legally book your first load without insurance. We work with markets that want first-year operators, so you get covered and rolling sooner.

🏢

Motor Carriers & Small Fleets

From 2 trucks to 20. Fleet policies that grow with you, with one agent who knows your whole operation — not a different rep every renewal.

Trucks & Operations We Cover
Semis / Tractor-TrailersBox TrucksHotshots FlatbedsReefersDry Vans Dump TrucksTow TrucksCar HaulersGeneral Freight

Why Truckers Switch to Dunphy

The difference between a faceless quote site that sells your number and a licensed agent who picks up the phone.

⚠️ The Quote-Site Runaround

  • × Your number gets sold to a dozen agencies — then the spam calls start
  • × A different rep every time, none who know your operation
  • × New authorities get upcharged or turned away
  • × You wait days on a certificate while a load sits
  • × One-size-fits-all coverage you may be overpaying for

✓ The Dunphy Way

  • One licensed agent, one callback — your info is never sold
  • The same agent who knows your trucks, radius, and renewals
  • New-venture specialists — we know which markets want you
  • Certificates issued fast, worded exactly how your broker needs
  • We shop multiple carriers to fit coverage to your real operation

Coverage Built for the Way You Run

One agency for everything your operation needs to stay legal, loaded, and protected.

⚖️

Primary Liability

The FMCSA-required coverage that keeps your authority active — and you legal — if your truck causes injury or property damage.

📦

Motor Truck Cargo

Broker won't load you without cargo coverage? We bind it fast so you don't lose the load over missing paperwork.

🔧

Physical Damage

Your rig is your livelihood. Collision, fire, theft, vandalism — covered, so one bad day doesn't park you for good.

🚚

Bobtail / Non-Trucking Liability

The gap most leased operators don't know they have — coverage for when you're driving without a load or trailer.

🏢

General Liability

Protection for everything off the road — loading docks, customer property, and your day-to-day business operations.

Most Popular
🆕

New Authority Packages

Just got your MC number? We specialize in getting first-time operators covered and on the road — without the new-venture runaround.

Plus trailer interchange, uninsured/underinsured motorist, roadside assistance, and rental reimbursement with downtime — ask your agent what your operation actually needs.

We Handle Your Filings & COIs — So Your Authority Stays Active

If you run under your own authority, your insurance is only as good as the paperwork behind it. We handle the filings that keep you legal and the certificates that keep you loaded.

  • Federal filings (BMC-91/91X, MCS-90) — coordinated when your policy is bound, so your SAFER status shows active insurance.
  • State filings — handled for intrastate operations that require them.
  • Certificates of insurance — issued fast, with the exact names and wording your broker or shipper requires.
  • Renewal reviews — we re-check your radius, commodities, and values yearly so you're not overpaying for an operation you no longer run.

Broker waiting on a COI right now?

Call or text us and we'll make it a priority. Real agents answer the phone.

📞 346-279-0960

From Quote to Covered in 3 Steps

No paperwork marathon. No week-long wait.

1

Request Your Quote

Answer 3 quick questions or call us. Have your DOT/MC number and VIN handy if you can — we'll work with whatever you've got.

2

We Shop the Carriers

A licensed agent compares options across multiple A-rated carriers to fit coverage to your specific operation.

3

Get Covered & Roll

Bind your policy and get your certificates fast — so you can book your next load with confidence.

What Actually Affects Your Rate

No two operations pay the same. Here's what carriers look at — and what we work with to get your number down.

📊
DOT / inspection historyClean inspections and a good SAFER record are your biggest lever.
🗺️
Operating radius & routesLocal, regional, or OTR — an accurate radius keeps you from paying for miles you don't run.
📦
What you haulGeneral freight, reefer, flatbed, autos — each commodity prices differently.
🧮
Driving record & CDL experienceYour MVR and years behind the wheel matter to every carrier.
📅
Years with authorityNewer authorities pay more — but the right market makes a big difference. That's our job.
🚚
Your truck & coverage choicesVehicle type, value, and the deductibles you pick all move the premium.

The takeaway: a quote built on your real operation beats a generic online number every time. That's why a licensed agent reviews yours personally.

👤
YOUR LICENSED
DUNPHY AGENT

Talk to a Real Agent — Not a Call Center

When you call Dunphy, you reach a licensed Texas insurance agent who works trucking every day — knows your filings, your COIs, and which carriers actually want your operation. No phone tree. No rotating reps. No selling your number to the highest bidder.

— Your licensed agent at Dunphy Insurance Agency

Truckers Who Stopped Getting the Runaround

Don't take our word for it — here's what our customers say.

Trusted by owner-operators & small fleets across Texas
★★★★★

"As an owner-operator based in Houston, finding the right insurance for my truck was always a headache. Dunphy made it simple. They understood my business, provided comprehensive coverage at a competitive price, and their team is always responsive. Knowing Dunphy has my back on the road gives me real peace of mind. I highly recommend them to any trucker in Texas!"

Mark T.Owner-Operator, Houston, TX
★★★★★

"Running a small business that involves deliveries means I need reliable insurance for my truck. Dunphy has been fantastic in handling all of it. They provided tailored coverage for my commercial vehicle with excellent customer service. It's a relief to have one company that understands my needs and gives such personalized attention."

Maria G.Small Business Owner, Houston, TX

Questions Truckers Ask Us

I just got my authority. Can you cover me?
Yes — new authorities are one of our specialties. Many carriers charge new ventures a premium or turn them away; we know which markets actually want your business and we'll get you covered so you can book your first load.
How fast can I get a certificate of insurance?
Once your policy is bound, we issue certificates fast — often the same day. If a broker or shipper is waiting on a COI, call us and we'll make it a priority.
What do I need to get a quote?
Just your name and phone number to start. To finalize your quote, your agent will ask for your DOT/MC number, VIN(s), driving history, and what you haul. The whole conversation usually takes one phone call.
Will requesting a quote affect my current policy?
No. Getting a quote is free, carries no obligation, and doesn't touch your existing coverage. Worst case, you confirm you already have a good deal. Best case, you find out you've been overpaying.
I'm leased to a carrier — what do I actually need?
If you're leased on, the carrier usually provides your primary liability. What you typically need yourself is physical damage on your truck and non-trucking liability for when you're off the clock. We'll read your lease and tell you exactly what's covered and what's on you — no double-paying.
What's the difference between bobtail and non-trucking liability?
Non-trucking liability covers you when you're using your truck for personal reasons while leased on. Bobtail covers you when you're driving without a trailer — even on business. They trigger in different situations, and which you need depends on your lease. Your agent sorts it out in one conversation.
Do you handle my FMCSA filings?
Yes. If you run under your own authority, we coordinate your federal filings (BMC-91/91X, MCS-90) and any required state filings when your policy is bound, so your SAFER status reflects active insurance and your authority stays in good standing.
Am I going to get spam calls if I fill out the form?
No. Your information goes directly to our agency — we are not a lead-selling site. You'll get one call back from a licensed Dunphy agent about your quote. That's it.

Find Out What You Should Be Paying

It costs nothing to check. Three quick questions or one phone call, and you'll know whether your current policy is a good deal — or money left on the table every month.

Get My Free Quote →

Or call / text a licensed agent now: 346-279-0960

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