Quick Answer
How much does limo insurance cost in Dallas?
Dallas limo insurance typically runs $9,000–$15,500/vehicle/yr per vehicle per year for the state-required minimum. Key factors include driver MVRs, vehicle type, Medicaid broker requirements, and loss history. Same-day COIs are available after binding.
Dallas Market Overview
- DFW International Airport is the 4th busiest airport in the world
- Dallas is home to more Fortune 500 companies than any city except New York
- City of Dallas requires permits for all for-hire ground transportation
- Strong corporate account and convention market for black car and limo operators
Coverage Options — Dallas
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M CSL (city minimum), $1.5M+ recommended for corporate accounts | $1M | $2M+ umbrella |
| General Liability | $1M | $1M | $2M |
| Abuse & Molestation | Required | Required | Required |
| Workers' Comp | If employees | Required | Required |
| Hired & Non-Owned | Recommended | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
Approved Brokers We Work With in Dallas
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Dallas Service Area
Frequently Asked Questions
What insurance do Dallas limo companies need?+
Dallas requires $1M commercial auto liability minimum for for-hire vehicles. Most corporate accounts expect $1.5M or higher. The City of Dallas also requires proof of insurance before issuing a for-hire vehicle permit.
Do I need separate DFW airport authority for limo pickups?+
Yes — DFW Airport has its own ground transportation permit program. You must hold a valid DFW Commercial Ground Transportation Permit alongside your city and state authority and proof of $1.5M insurance.