Commercial Auto Insurance

Here's What Commercial Auto Insurance Should Cost in Your Area

From single work trucks to entire fleets. Get covered for liability, physical damage, and cargo in minutes.

256-Bit SSL Secure | NO SPAM GUARANTEE

Step 1 of 4

How do you use your vehicles?

Rates vary significantly based on vehicle usage.

Contractor / Trade Visiting job sites, hauling tools/supplies.

Delivery / Courier Food delivery, packages, wholesale distribution.

Trucking / Livery For-hire transport, towing, or passenger transport.

Why Personal Auto Isn't Enough

Many business owners make the mistake of relying on personal auto policies. Warning: If you get into an accident while doing work (like delivering goods or hauling tools), your personal policy will likely deny the claim. Commercial Auto Insurance closes this gap.

Step 2 of 4

How far do you drive?

Local drivers often qualify for significantly lower rates.

Local Under 50 miles

Regional Within State

Long Haul Cross Country

Step 3 of 4

What is your primary concern?

Select the coverage area that matters most to you.

Liability

Pays for damage you cause to other people's cars or property.

Select

Physical Damage

Comp & Collision coverage to repair your truck if it's hit or stolen.

Select

Cargo / Goods

Protects the tools, equipment, or products inside your vehicle.

Select

Step 4 of 4

Final Details

Number of Vehicles

Drivers with CDL?

Yes No

Check Prices

By clicking above, you agree to our Terms of Service. Your data is secure.

Frequently Asked Questions

How much does Commercial Auto Insurance cost?

Costs vary widely based on your vehicle type and profession. A contractor with a pickup truck might pay $800-$1,200 annually, while a semi-truck operator could pay significantly more. The best way to know is to compare quotes.

Do I need this for a pickup truck I use for work?

If the truck is registered in the business name, or if you use it to haul equipment, transport goods for a fee, or employees drive it—yes. Personal policies usually exclude business use.

What is a "Combined Single Limit"?

Unlike personal auto which splits limits (e.g., 50/100/50), commercial policies often have a Combined Single Limit (CSL). This means you have one large pool of money (e.g., $1,000,000) to cover property damage and injuries in any combination.

What is Commercial Auto Insurance?

Commercial auto insurance (also known as a business auto policy) provides liability and physical damage protection for vehicles used for business purposes. Unlike personal auto insurance, which is designed for commuting and personal errands, commercial policies are built to handle the higher risks associated with business operations, such as transporting goods, hauling tools, or driving employees.

Do I Need Commercial Auto Insurance?

If you use your vehicle for anything other than commuting to a single workplace, you likely need a commercial policy. Common scenarios include:

Transporting Goods: Delivery drivers, couriers, and wholesale distributors.
Hauling Tools: Contractors, plumbers, and electricians who carry expensive equipment.
Driving Clients: Real estate agents, taxi services, or rideshare drivers (though rideshare often requires specific endorsements).
Employees Driving: If your employees drive your vehicles, or their own vehicles for your business (Hired & Non-Owned Auto).
Heavy Duty Vehicles: Dump trucks, box trucks, tow trucks, and semi-trucks almost always require commercial policies.

Commercial vs. Personal Auto Insurance

Personal Auto

Excludes business usage (delivery/hauling)
Lower liability limits
Covers only listed family members

Commercial Auto

Covers business use & tools
Higher liability limits (e.g., $1M CSL)
Covers employees & unlisted drivers

Common Coverage Options

A standard business auto policy typically includes:

Bodily Injury Liability

Pays for medical expenses of others if you cause an accident.

Property Damage Liability

Covers damage to other vehicles or property (fences, buildings).

Collision Coverage

Repairs your vehicle if you hit another car or object.

Comprehensive Coverage

Protection against theft, vandalism, fire, and weather damage.