Where to Place Personal Auto & Hard-to-Place Vehicle Insurance in Texas

Real carrier recommendations from independent insurance agents who have placed hard-to-place personal auto, exotic cars, and specialty vehicles in Texas.

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Discussions
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Agent Replies
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Carriers Mentioned

Top Carriers for Personal Auto & Hard-to-Place Vehicle Insurance in Texas

These carriers are most frequently recommended by agents for placing hard-to-place personal auto, exotic cars, and specialty vehicles in Texas.

Progressive 7 mentions GEICO 3 mentions BHHC 2 mentions Great West 2 mentions Canal 2 mentions biBERK 2 mentions Cover Whale 2 mentions Selective 2 mentions Hagerty 2 mentions Allstate 1 mention Geico 1 mention Kemper 1 mention Safeco 1 mention American Modern 1 mention Grundy 1 mention

Agent Discussions About Personal Auto & Hard-to-Place Vehicle Insurance in Texas

Real conversations from agents about placing hard-to-place personal auto, exotic cars, and specialty vehicles in Texas.

Discussion

Where can we insure an International 3800 (school bus) that has no rear seats? It is customized and used for pleasure only. The client wants auto liability only. Bristol and Kemper write commercial non-business policies, but not for buses. California

πŸ“ California, Tennessee, Texas, Florida 🏒 BHHC, Progressive, Great West, Canal, biBERK, Cover Whale, Kemper, GEICO πŸ’¬ 7 replies

I think biberk stopped writing that product so if you’re locked in, it’s hard to beat the rates. At least in FL, not sure about CA

Have you tried any MGAs like AmWins or CRC?

What trucking carriers in Texas would take a tractor that is 26 years old and a reefer that is 12 years old? So far, I have quotes from Progressive and BHHC. Cover Whale declined because they do not...

Discussion

I am looking for an independent agent in or near Georgetown, TX please - I have a family member moving there and she needs to get insurance. Thank you in advance independents!

πŸ“ Texas, Michigan 🏒 Selective πŸ’¬ 7 replies

I am able to.

Also in Wisco. Have selective, Badger, and Society.

Not entirely sure if this is a possibility, but does anyone know of a market for professional liability for a company that manufactures medical implants that would be on an occurrence form? Michigan.

New agency struggling to get carrier appointments - TX

Hello, We opened up an insurance agency six months ago and struggling to get carriers approved. We joined an MGA and are having trouble getting Allstate, Geico, & progressive. Any suggestions?

πŸ“ Texas 🏒 Allstate, Geico, Progressive πŸ’¬ 1 replies

Join the PIA or the Big I. Go to their conventions or get the list of all of the carrier members and begin calling each field rep. You'll get appointed if you stay with it. Texas is a tough state and...

Discussion

Hi everyone! I’d love to get some thoughts on something I’ve been running into more and more as an agent in Montana. Out-of-state individuals are setting up Montana LLCs to register high-end vehicles here in order to avoid paying sales tax. Most recently, someone from Texas reached out about...

πŸ“ Montana, Texas πŸ’¬ 1 replies

I just messaged you.

TX - This is in Texas. Truck owner has their truck at a body...

This is in Texas. Truck owner has their truck at a body shop. Truck has window broken out while at shop but no other damage & nothing is stolen. Shop replaced window & tint but does not disclose to truck owner & does not charge owner anything obviously. Owner finds broken glass under seat &...

πŸ“ Texas

Texas - GEICO - Texas Agents (Houston area) My neighbor

Texas Agents (Houston area) My neighbor asked for my guidance. Her husband works for the City of Houston and was given a company car. They say he needs to insure it. Which company is best for non-owned auto coverage? They have their personal cars with Geico, but they wouldn't do it.

πŸ“ Texas 🏒 GEICO

Discussion

TX - Quoting an HVAC company that does commercial jobs over 3 stories. They are currently insured with State Harm for GL, WC, and Comm Auto. No standard company I have spoken with will consider any work over 2 or 3 stories for any trade. How is State Harm doing this? Also, the owner's truck, used...

πŸ“ Texas

Discussion

I need an agent in MA for a smaller monoline commercial auto...

πŸ“ Texas, Massachusetts 🏒 Progressive

Discussion

What carriers are writing commercial auto for guided tours in the Hill Country part of Texas? Anyone insured one in the past? Quoted Progressive and they have turned it down.

πŸ“ Texas 🏒 Progressive

Discussion

Client in Texas needs a 300 CSL auto policy and minimum $5k cargo coverage per vehicle for a very small Moving company. I can obviously find commercial auto policies with 300 CSL but cargo coverage is specifically excluded for moving companies. Does anyone have any recommendations for the cargo...

πŸ“ Texas

Discussion

Any commercial auto carrier in Texas good for a small moving company? Furniture/household goods etc?

πŸ“ Texas

Discussion

Need help in TX. Any recommendations where to insure a 2021 Lamborghini Huracan valued at $270K? Safeco initially said yes but now declines. Hagerty wants him to have a year experience insured elsewhere due to the power of this vehicle. Progressive caps at $250K stated amount so that’s a...

πŸ“ Texas 🏒 Safeco, Progressive, Hagerty, American Modern

Discussion

Hello, TEXAS agents, what carriers have the best rates for comp/collision coverage auto insurance for "drivers without a driver’s license"? Thank you,

πŸ“ Texas

Discussion

Need help!! I’m trying to place coverage for 21 Lamborghini Urus on a stand alone auto policy (TX). Hagerty, Grundy, JC Taylor and American Collectors all declined. Is there anyone else out there that will write this?

πŸ“ Texas 🏒 Grundy, Hagerty, American Collectors, JC Taylor

Discussion

Submitting anonymous because we are dealing with legal now…. (In Texas because lawyers milk the system all day every day) Honest question: Why are you giving ALL your clients 100/300 or 250/500 do you think it benefits them? And how and why?

πŸ“ Texas

Frequently Asked Questions

Which carriers write hard-to-place personal auto, exotic cars, and specialty vehicles in Texas?

Based on agent discussions, carriers frequently mentioned for hard-to-place personal auto, exotic cars, and specialty vehicles in Texas include Progressive, GEICO, BHHC, Great West, Canal. Availability varies by specific risk details.

Is hard-to-place personal auto, exotic cars, and specialty vehicles hard to place in Texas?

Many agents report difficulty placing hard-to-place personal auto, exotic cars, and specialty vehicles in Texas. Our database contains 16 discussions specifically about this niche in Texas, reflecting the ongoing challenges agents face finding willing carriers.

How do I find a carrier for hard-to-place personal auto, exotic cars, and specialty vehicles in Texas?

Independent agents in Texas recommend networking with peers, working with wholesale brokers like RT Specialty or Kinsale, and checking surplus lines markets. Browse the 16 agent discussions below for specific carrier recommendations.