10/16/2026
More fleets are running GPS, telematics, dash cams and driver monitoring than ever.
So why aren’t Commercial Auto premiums dropping?
Because telematics doesn’t erase what’s driving the losses.
Repair costs are still high.
Bodily injury claims are still expensive.
Litigation still drives costs.
Driver history still matters.
Loss history still matters.
Radius, vehicle use and business type still matter.
What telematics does do is show you take fleet management seriously. Speeding, hard braking, distracted driving, route behavior: that’s something concrete to manage before an accident happens, not after.
And underwriters notice. They want proof, not promises.
That doesn’t mean installing GPS on Tuesday lowers your premium on Wednesday. But over time, a fleet with good drivers, clean loss history and real safety controls looks very different to an insurer than a fleet that just has the same number of trucks.
At Texas Viking Insurance, we’re expanding our Commercial Auto & Fleet focus, and we look at how you manage your vehicles and drivers, not just how many you own.
Running telematics and not sure it’s helping at renewal? Let’s talk. 📞 361-248-3307