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    What is commercial auto insurance?

    Commercial auto insurance is liability and physical damage protection for vehicles used for business, such as cars, trucks, and vans. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal ones.

    Progressive provides special benefits, including custom policies, competitive rates, discounts, exceptional claims service, and more. Get a commercial auto insurance quote to find the best coverage for your business.

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    Who needs commercial auto insurance?

    Businesses that use vehicles for their operations usually need commercial auto insurance. This includes companies that own or lease cars, trucks, vans, or other vehicles for the purpose of transporting goods, equipment, or people.

    Common professions that purchase commercial auto insurance include:

    • Contractors: Contractors, landscapers, construction companies, and other tradespeople that use trucks or vans to take tools and equipment to job sites typically need commercial vehicle insurance.
    • Delivery companies: Businesses that use cars or trucks to deliver goods to customers should have commercial auto insurance to protect their drivers, vehicles, and cargo.
    • Transportation services: Companies that use cars or vans to transport passengers, such as taxis, limousines, and other livery services, need protection for their commercial cars.
    • Food services: Restaurants, food trucks, and caterers that use vehicles for delivering food or operating mobile kitchens usually require a commercial auto policy.
    • Non-profit organizations: If you use buses or vans to drive volunteers or clients, commercial auto insurance might be necessary for your business.

    It’s important to note that personal auto insurance policies typically do not cover vehicles that are used for business purposes. If vehicles are necessary to your work, get commercial auto insurance to protect them.

    Two men move a table into a van with commercial auto insurance

    Do you need a commercial auto policy?

    Get customized commercial auto coverage for your business

    Choosing commercial vehicle insurance coverages that meet your specific needs can protect your business and income after an accident. A commercial auto insurance 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 of your vehicle if it 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: Also known as 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. Explore our commercial auto coverages directory for more information.

    Types of commercial vehicles we insure

    Commercial auto insurance can protect vehicles your business owns, rents, or leases. We insure several vehicle types, including:

    Illustrated commercial car, pickup truck with ladder rack, and van

    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.

    Illustrated commercial tractor trailer, dump truck, and heavy truck


    Illustration of three commercial 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?

    In 2022, the national median monthly cost for commercial auto insurance through Progressive ranged from $172 for contractors to $175 for business auto customers. The average monthly cost was about $220.‡‡ Most customers find their monthly premium to be closer to the median price.

    Commercial Customer Median Cost Average Cost
    Business Auto — Like cleaning services, restaurants, and shops $175/month $226/month
    Contractors — Like carpenters, electricians, landscapers, and painters $172/month $215/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 protection or has a history of claims.

    Learn more about commercial auto insurance cost and what you can do to save on 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.

    Why choose Progressive Commercial?

    It’s easy to see why we’re America’s #1 commercial auto insurer*, insuring more than 1.9 million commercial vehicles. Our custom policies offer flexible and convenient benefits so you can focus on what matters most: your business.

    Some advantages of having a Progressive commercial auto policy 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

    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 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?

    What drivers are covered under commercial auto insurance?

    Are tools and materials in my vehicle covered under a commercial auto policy?

    Do I need commercial auto insurance to drive for a rideshare company, like Lyft or Uber?

    Do I need special insurance to deliver pizza or other goods for a fee?

    How much will my insurance go up if I’m involved in an accident with my commercial vehicle?

    Does commercial auto insurance cover theft of personal items?

    Does Progressive offer commercial auto insurance in my state?

    Man sits at the wheel of a commercial vehicle
    Man sits in vehicle and gets commercial auto quote on his phone

    Start a commercial auto insurance quote and protect your business vehicles today

    Get a quoteOr, call 1-888-806-9598