Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships., Texas commercial auto insurance requirements. Texas state law requires all commercial auto policies to have a minimum liability limit of $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage (i.e., 30/60/25). Some policies are required to carry higher limits based on the types of vehicles listed., How To Find Cheap Commercial Auto Insurance. Is insurance one of those products where you get what you pay for? In other words, is cheap insurance coverage worth it? A recent study by Insureon found that customers pay an average of $147/month or $1,762/year for commercial auto insurance. However, about 37% of Insureon customers pay less than .