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Commercial Auto Insurance
Start a quote with the #1 commercial auto insurer in America*
Auto insurance from America's top provider
Commercial auto insurance is important for any business that relies on company vehicles to operate. As America's #1 commercial auto insurer, Progressive Commercial is ready to partner with businesses of all sizes. Our expert support and flexible policies make it easy to get covered and protect what keeps your business rolling.
Trusted by over 1 million small businesses
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Experience
50+ years
Supporting small business owners for over half a century.
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Efficient
8 minutes
Get an auto insurance quote in as little as 8 minutes.
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Industry Leader
#1 in America*
Protect your vehicles with the top commercial auto insurer.
What is commercial auto insurance?
Commercial auto insurance covers liability and physical damage for business vehicles, such as cars, trucks, and vans. They'll need a separate policy because they're typically exposed to more risk than personal ones.
We offer benefits like competitive rates, discounts, and exceptional claims service. Follow our insurance quote checklist and start a commercial auto insurance quote to find the right coverage for your business.
Who needs commercial auto insurance?
Businesses that count on vehicles to get the job done probably need commercial auto insurance. This includes companies that own or lease vehicles to transport goods, equipment, or people as part of their daily work, such as:
- Contractors
- Delivery companies
- Livery services
- Pizza delivery restaurants
- Food trucks
- Caterers
- Nonprofit organizations
- Churches
Most personal car insurance doesn't cover business activities. If driving's part of your job, getting commercial auto coverage is important. You'll want to choose a vehicle that fits your company's needs. Once you've found the right one, make sure it's protected with commercial auto insurance that meets your state's requirements.
Do you need a commercial auto policy?
Understand the difference between what personal and commercial auto insurance covers to find out what coverage is right for you.
Get customized commercial auto coverage for your business
Commercial vehicle coverages can protect your business and income after an accident. A quote typically includes:
- Liability: Protects against injuries to other people or damage to their property if you're at fault for an accident.
- Collision: Pays to repair or replace your vehicle if it strikes another object, overturns, or rolls.
- Comprehensive: Helps pay for repairs or replacement if your vehicle is damaged by something other than a collision, such as theft, vandalism, fire, or severe weather.
- Uninsured/underinsured motorist (UM/UIM): Helps with costs if you're in an accident with someone who doesn't have enough liability coverage to pay for the bodily injury and property damage they caused.
- Medical payments (MedPay): Protects you and your passengers if you're injured in an accident, regardless of who's at fault.
Your business type, number of vehicles, state, and level of risk can affect your commercial auto insurance recommendations. There are different protections available for liability, drivers, vehicles, heavy trucks, and more.
Types of commercial vehicles we insure
Commercial auto insurance can protect vehicles your business owns, rents, or leases. We insure several vehicle types, including:
Business autos
Includes company cars, light trucks, SUVs, vans, and more. Business auto insurance customers enjoy advantages, including discounts and access to network shops throughout the country.
Trucks
From dump trucks to tractor trailers, we have the experience you're looking for. We offer 24/7 claims service with an extensive truck repair network, discounts, and more.
Trailers
We cover a wide range of commercial trailers ranging from pickup truck utility trailers to large dump body trailers pulled by a tractor.
How much does commercial auto insurance cost?
Commercial auto insurance costs can vary depending on your industry, location, and the type of vehicles you use. Coverage needs, drivers, and driving history will also impact your rate. You can expect to pay a higher-than-average premium if your business requires more protection or has a history of claims.
The table below shows median and average monthly costs for commercial auto insurance for new Progressive Commercial customers with clean driving records.
| Commercial Customer |
Median Cost |
Average Cost |
|---|---|---|
|
Business Auto
— Like cleaning services, restaurants, and shops
|
$219/month | $282/month |
|
Contractors
— Like carpenters, electricians, landscapers, and painters
|
$212/month | $272/month |
2024 new policy premium per power unit for full coverage. For-hire truck and tow truck premiums aren't included in these numbers. Learn more about our for-hire truck insurance costs and tow truck insurance rates.
The best way to find out what you'll pay is to get a commercial auto insurance quote online today.
How to save on commercial auto insurance
Just like personal auto insurance, a good driving record can help keep costs down. But that's not the only way to save on your commercial auto policy. You may be able to reduce your premium with discounts for:
- Sharing your driving data through Snapshot ProView®
- Carrying a BOP or general liability with us for a multi-product discount
- Maintaining continuous auto insurance coverage for the last year
- Paying in full up front
Explore our commercial auto insurance discounts to see what fits your business.
Why choose Progressive Commercial
We cover more than 2 million commercial vehicles and understand the needs of small business owners. Our custom policies offer flexible and convenient benefits so you can focus on what matters most: moving forward and living fully.
Some advantages of partnering with Progressive Commercial are:
- 24/7 policy service by phone or online
- Adjustable coverages, any time
- Flexible billing and payment options
- Highly-trained commercial claims adjusters
- Unlimited travel radius offered in most states
- Discounts †
New customers save an average of 9% by enrolling in Snapshot ProView ,†† an exclusive benefit for Progressive Commercial customers. Enrollees with an established safety record can save at least 5%, and all participating customers can gain insight into driving habits with free fleet management tools.
Common questions about commercial auto insurance
Get quick answers to some of the most asked questions about commercial auto insurance.
Does commercial auto insurance cover personal use?
Yes. While personal auto insurance doesn't cover a vehicle being used for business purposes, commercial auto insurance covers your vehicle for both commercial and personal use.
What drivers are covered under commercial auto insurance?
Drivers with regular access to your commercial vehicle should be named on your policy. Additional drivers may be covered, but restrictions apply for anybody not listed on the policy.
What doesn't commercial auto insurance cover?
Commercial auto insurance provides valuable protection for your business vehicles, but there are certain situations and items it typically doesn't cover, like:
- Any illegal activity involving vehicle
- Accidents caused by impaired driving
- Intentional damage
- Personal belongings
- Unattached business equipment
What's the risk of not having commercial auto insurance?
There are legal and financial risks to not having commercial auto insurance. Most states require minimum liability coverage. If your insurance doesn't meet those requirements, you could face fines or other penalties, like license suspension or restrictions on your business operations. You might also have to pay damages out of pocket.
What is commercial fleet insurance?
Commercial fleet insurance is designed for businesses with 10 or more vehicles. Unlike standard commercial auto insurance, which limits the number of vehicles you can cover at once, fleet policies scale to meet your needs.
Whether you're insuring a small fleet through Progressive Commercial or a large one through Progressive Fleet & Specialty Programs, these policies simplify the admin, paperwork, and payments that come with managing multiple vehicles.
Are tools and materials in my vehicle covered under a commercial auto policy?
It depends. A commercial auto policy covers permanently attached equipment, such as ladder racks or built-in toolboxes. To protect loose tools, equipment, and other work materials, you can add inland marine coverage to your general liability policy.
Do I need commercial auto insurance to drive for a rideshare company, like Lyft or Uber?
In most cases, no. Rideshare companies typically offer insurance when you're driving for them, but it may have restrictions. To make sure you're well protected, you can add coverage to your personal auto insurance through policy amendments called endorsements. You could also get commercial for-hire livery insurance.
Learn more about your rideshare insurance options.
Do I need special insurance to deliver pizza or other goods for a fee?
Yes, most likely. Personal auto insurance policies might not cover losses if you're delivering for a fee, including pizza delivery and other services. Your claim might be denied if you don't have commercial auto insurance and get into a work-related accident. You could also be held personally responsible for the damages. A commercial auto policy can prevent this from happening.
How much will my insurance go up if I'm involved in an accident with my commercial vehicle?
It depends. An accident doesn't affect the rate of your current policy, but it could affect your rate at renewal. Your policy is rewritten every time it expires to reflect your current situation. Accident-related rate changes are determined by various factors, such as who was at fault, the cost of the claim, and your accident history. So, accidents are considered when determining your rate, but an increase isn't guaranteed.
Does commercial auto insurance cover theft of personal items?
No. Personal items, such as a backpack or phone, are typically not covered by commercial auto insurance. Since they aren't part of the vehicle itself, they're outside the policy's scope.
Does Progressive Commercial offer commercial auto insurance in my state?
Yes. We insure commercial vehicles in all 50 states. However, we don't currently write policies in Washington, D.C.
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