{"id":10982,"date":"2026-06-15T15:01:18","date_gmt":"2026-06-15T20:01:18","guid":{"rendered":"https:\/\/www.liconainsurance.com\/?p=10982"},"modified":"2026-06-15T15:01:18","modified_gmt":"2026-06-15T20:01:18","slug":"trucking-insurance-for-el-paso-owner-operators-what-you-need-to-cross-state-lines-and-the-border","status":"publish","type":"post","link":"https:\/\/www.liconainsurance.com\/es\/blog\/trucking-insurance-for-el-paso-owner-operators-what-you-need-to-cross-state-lines-and-the-border\/","title":{"rendered":"Trucking Insurance for El Paso Owner-Operators: What You Need to Cross State Lines and the Border\u00a0"},"content":{"rendered":"

Texas\u00a0requires\u00a0commercial motor carriers\u00a0operating\u00a0across state lines to meet Federal Motor Carrier Safety Administration (FMCSA) standards. The minimum primary liability coverage\u00a0required\u00a0depends on what you haul and the size of your vehicle. You will also need a USDOT number and, in most cases, operating authority from the FMCSA before you can legally move freight across state borders.<\/p>\n

Cross-Border Coverage Considerations<\/h2>\n

U.S. trucking policies\u00a0generally do\u00a0not extend coverage into Mexico. If your routes include crossing into Chihuahua or other Mexican states, a separate Mexican auto liability policy is required by law. Mexico does not recognize U.S. auto policies as valid\u00a0financial responsibility\u00a0on Mexican roads, and enforcement is active at traffic stops and accident scenes throughout Chihuahua, including in Ciudad Ju\u00e1rez. This is a critical detail for El Paso owner-operators, where cross-border freight is a routine part of business.<\/p>\n

Coverage Types Worth Knowing<\/h2>\n

A well-rounded owner-operator policy may include:<\/p>\n