Once you hit five or more vehicles, most commercial carriers offer fleet rating — a single experience rating across all units, often 10–25% cheaper per vehicle than individual policies.
Fleet rating benefits
- Single renewal date
- Single deductible
- Driver list managed centrally
- Easier addition and removal of vehicles
Driver qualification programs
Fleet carriers often require MVR checks at hire and annually, plus a written driver safety policy. The discipline pays off in lower claims.
Telematics
Adding GPS and behavior monitoring can drop fleet premiums another 10–15% and reduce at-fault accidents.
Frequently asked questions
How many vehicles do I need for fleet rating?
Most carriers require 5 or more.
Can I mix vehicle types in a fleet policy?
Yes — vans, trucks, and cars can all sit on one fleet policy.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.