Quick Answer
How much does limo insurance cost in Houston?
Houston limo insurance typically runs $9,000–$15,000/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.
Houston Market Overview
- Texas Medical Center is the largest medical complex in the world
- Harris Health System serves the largest uninsured and Medicaid population in Harris County
- Superior Health Plan and Molina are the largest NEMT MCOs in Houston
- Houston requires city-level permits for for-hire vehicles in addition to state authority
Coverage Options — Houston
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M CSL (Texas Medicaid MCO standard) | $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 Houston
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Houston Service Area
Frequently Asked Questions
What insurance do Houston NEMT operators need?+
Texas Medicaid MCOs in Houston require $1M commercial auto liability, $1M general/professional liability, abuse and molestation, and workers' comp. Houston also requires a city permit for for-hire vehicles operating within city limits.
How fast can I get a COI in Houston?+
Same-day COIs are standard once your policy is bound. We can name Superior Health Plan, Molina, UnitedHealthcare, and any other Houston-area MCO as additional insured on the same COI.
Do Houston limo operators need city permits?+
Yes. The City of Houston requires a Limousine Operator Permit for all for-hire vehicles. Your insurance certificate must be on file with the city before the permit is issued.