We’re the #1 commercial auto insurer in America*, insuring more than 1.9 million commercial vehicles
Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.
Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.
Customized coverage to match your business
Selecting commercial vehicle insurance coverage that meets your specific needs is vital to protecting your business and income. A commercial auto insurance quote typically includes:
- Liability
- Physical Damage
- Medical Payments
- Uninsured Motorist
- Hired Auto
- Non-Owned Coverage
- Any Auto
- All commercial coverages
We can also adjust your policy to reflect seasonal changes to keep your rates low and your coverage steady.
We also provide special benefits including customized coverages, competitive rates, discounts, exceptional claims service and more. Commercial Auto insurance covers:
How much does commercial auto insurance cost?
In 2021, the national median cost for commercial auto insurance through Progressive was $160 per month for both business auto and contractor customers. The average monthly cost was about $200.‡‡ Most customers find their monthly premium to be closer to the median price because expensive outliers often drive up the average cost.
| Commercial Customer |
Median Cost |
Average Cost |
| Business Auto - Like cleaning services, restaurants and shops |
$160/month |
$205/month |
| Contractors - Like carpenters, electricians, landscapers and painters |
$160/month |
$196/month |
|
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.
|
Several risk factors contribute to your premium, including your profession, coverage needs, vehicles, drivers, driving history and location. You can expect to pay more than the average rate if your business requires more coverage or has a history of claims.
Learn more about what influences your cost and what you can do to get the cheapest commercial auto insurance. The best way to find out what you'll pay is to get a commercial auto insurance quote. Call us or start a quote online.
Get more for your money
It’s easy to see why we’re America’s #1 commercial auto insurer*. Our custom policies offer flexible and convenient benefits so you can focus on what matters most: your business.
Here are just a few of the many advantages of having a Progressive commercial auto policy:
- 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 †
You can save 5% automatically by enrolling in Snapshot ProView ††, an exclusive benefit for Progressive Commercial customers. Enrollees with an established safety record can save between 8% and 20%, and businesses with three or more vehicles can gain further insight 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 if it’s being used for business purposes, commercial auto insurance covers your vehicle for both commercial and personal use.
How much will my insurance go up if I’m involved in an accident with my commercial vehicle?
An accident doesn’t affect the rate of your current policy, but it could affect your rate when your policy is renewed. 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.
I was involved in a not-at-fault accident in my commercial vehicle. Do I still have to pay my deductible?
Maybe. Deductibles apply whenever your policy’s collision or comprehensive coverages are used, regardless of who is at-fault. If the at-fault party was insured, we’ll attempt to recover your deductible from their insurance company. If they didn’t have insurance, we’ll attempt to collect it directly from them. Either way, the process of recovering your deductible from the other party is called “subrogation.”
Does commercial auto insurance cover theft of personal items?
Not necessarily. A commercial auto policy covers the vehicle and any permanently attached items, such as a ladder rack or a truck bed toolbox, but it doesn’t cover the ladders and tools themselves. For the contents of your vehicle to be covered, you’d need a business liability policy with an inland marine endorsement.
Do I have to use the body shop Progressive recommends to repair my commercial vehicle?
No. No matter what type of commercial vehicle you have, the shop you choose for repairs is your decision. You can choose your own shop or one of ours. For heavy vehicles, like semi-trucks, we maintain a countrywide network of over 100 specialized shops. Each has been evaluated for work quality, speed and reliability. Additionally, Progressive provides a Limited Lifetime Repair Guarantee for repairs completed at one of these shops.
Do I need special insurance to deliver pizza or other goods for a fee?
Yes, most likely. Most personal auto insurance policies won’t cover losses that occur while delivering for a fee. This includes pizza delivery and most other delivery services. If you don’t have a commercial policy on your vehicle and you get into a work-related accident, your claim might be denied. You could also be held personally responsible for the damages. A commercial auto policy can prevent this from happening.
Does Progressive offer commercial auto insurance in my state?
Yes. Progressive insures commercial vehicles in all 50 states. We currently don’t write policies in Washington D.C.
