Taxi & Livery Insurance in Texas
Commercial coverage for taxicabs, limousines, black cars and other vehicles for hire, matched to the insurance minimums of the Texas city where you operate. Talk to a licensed A-LA agent by phone.
En español: seguro de taxi y limusina en Texas
Quick Answer: Does A-LA Write Taxi and Livery Insurance in Texas?
Yes, A-LA writes taxi and livery insurance in Texas. Taxis and limousines need commercial auto insurance, and in Texas your city's vehicle-for-hire ordinance sets the minimum. For example, Dallas requires a $300,000 combined single limit for 1-5 seat vehicles once a ride is accepted, and San Antonio requires $500,000 for limousines seating 15 or fewer. Uber and Lyft drivers follow state rules instead. An A-LA agent compares the options available for your operation and quotes by phone; eligibility depends on your vehicles, drivers and history.
To get a quote, call (866) 252-6116 and tell the agent your city, vehicles and drivers, or send us a message.
Your City Sets the Minimum: Dallas and San Antonio Examples
There is no single statewide taxi insurance minimum to quote. Each Texas city that permits taxis and limousines writes its own vehicle-for-hire ordinance. Here is what two of them say. Ordinances change, so confirm the current requirement with your city before you file.
| City and section | Vehicle or period | Minimum liability |
|---|---|---|
| Dallas (Code ch. 47A, §47A-2.5.2) | Transportation-for-hire vehicles, ride accepted until passenger exits | $300,000 CSL (1-5 seats) · $500,000 CSL (6-10) · $1,000,000 CSL (11-14) |
| Dallas (Code ch. 47A, §47A-2.5.2) | Driver available, ride not yet accepted | $50,000 per person / $100,000 per occurrence bodily injury, $25,000 property damage (contingent primary) |
| San Antonio (Code ch. 33, §33-925) | Taxicabs | State minimum amounts, unless the operating authority provides otherwise |
| San Antonio (Code ch. 33, §33-519) | Limousines, 15 passengers or fewer | $500,000 CSL per vehicle, unless the operating permit provides otherwise |
CSL = combined single limit. Seat counts are the manufacturer's rated seating capacity (Dallas). Dallas figures are from the November 2020 amendment to §47A-2.5.2. Sources: Dallas ch. 47A amendment (2020), San Antonio ch. 33, Art. VIII (taxicabs), San Antonio ch. 33, Art. V (limousines).
It Is Not Just the Limit: Certificate Rules Matter Too
Cities also set rules for the insurer and the policy itself. San Antonio's chapter 33, article I, is a good example of what a city can require:
- Insurer quality. Every policy must be issued by an insurance company authorized to do business in Texas with a minimum A.M. Best rating of B+ (§33-018).
- City as additional insured. Every insurance policy required by the chapter must name the city as an additional insured (§33-017).
- 30-day notice. Cancellation, expiration or a material change cannot take effect until 30 days after the city receives written notice (§33-017).
- All permitted vehicles. The policy must insure all the vehicles permitted under the holder's operating permit, and it must be kept in force (§33-018).
- Self-insurance option for taxicabs. A taxicab service may instead qualify for a certificate of self-insurance under Transportation Code §601.124, with proof given to the city before operating (Art. VIII).
Source: San Antonio City Code ch. 33, Art. I (text effective November 21, 2022). If you operate somewhere else, ask that city's vehicle-for-hire office for its certificate requirements and bring them to your quote.
Taxi, Limo or Rideshare: Which Rules Apply to You?
City-permitted taxi
Hailed or dispatched rides with a meter, under a city operating permit. Insurance minimums come from the city's vehicle-for-hire ordinance.
Limousine and livery
Prearranged chauffeured service, black cars and stretch limos. Many cities regulate these too, sometimes with higher minimums than taxis.
Uber and Lyft (TNC)
Regulated by the state (Occupations Code ch. 2402). Minimums in Insurance Code ch. 1954: 50/100/25 between rides and $1 million during a prearranged ride.
Driving for Uber or Lyft on your own car is a different product. See rideshare insurance in Texas. For other business vehicles, see commercial auto insurance in DFW.
Sources: Occ. Code §2402.003, Ins. Code §1954.052, Ins. Code §1954.053.
Coverages Taxi and Limo Operators Usually Discuss
The city minimum is about liability to passengers and the public. An agent will usually also walk through these. What any specific policy pays depends on its wording, limits and exclusions.
- Commercial auto liability. Injuries and property damage you cause to others, including your passengers. This is where the city's minimum applies.
- Physical damage. Collision and comprehensive for your own cab or limo. Not set by the cities above, but usually required by a lender on a financed vehicle.
- Uninsured/underinsured motorist. Protection when the other driver has no insurance or too little. Ask how it applies to passengers on a commercial policy.
- Higher limits for contracts. Airports, hotels, venues and corporate accounts may ask for more than the city minimum. Bring their requirements to the quote.
Getting a Taxi or Limo Insurance Quote: What to Have Ready
- Your city and the operating authority or permits you hold or are applying for.
- Each vehicle's VIN, year, make, model and seating capacity.
- Every driver: license number, date of birth and driving record.
- Business name and address exactly as the city has them.
- Certificate requirements from the city, an airport or a contract (additional insured, notice wording, limits).
- Where vehicles are parked overnight and the area you serve.
- Current or prior insurance and claims history.
Taxi and Livery Insurance FAQ
Still have a question about your taxi or limo operation? Call (866) 252-6116 or contact an agent.
Related Coverage
Reviewed by the A-LA Auto Insurance editorial team · Last updated October 2026. City minimums from Dallas City Code ch. 47A and San Antonio City Code ch. 33; TNC minimums from Texas Insurance Code ch. 1954. Ordinances change; confirm current requirements with your city. Coverage and eligibility vary by carrier and operation.
Get Your Taxis and Limos Covered
Tell us your city, vehicles and drivers, and an A-LA agent will help you line up coverage that meets your city's ordinance and the certificates your accounts ask for.