Commercial Auto Insurance

Personalized coverage for your business vehicles

Commercial auto insurance for small business

We're the #1 commercial auto insurer in America*, insuring more than 1 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:

Business autos

Includes cars, light trucks, SUVs, vans and more. Business auto insurance customers enjoy advantages including discounts and access to network shops throughout the country.


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.


We cover a wide range of commercial trailers ranging from pickup truck utility trailers to large dump body trailers pulled by a tractor.

Do you need a commercial auto insurance policy?

Use our simple commercial vs personal auto insurance tool to find out if you need commercial vehicle insurance.

How much does commercial auto insurance cost?

In 2020, the national average monthly cost for commercial auto insurance through Progressive was about $187 a month for both our business auto and contractor customers.**

Commercial Customer Average Cost
Business Auto - Like cleaning services, restaurants and shops $188/month
Contractors - Like carpenters, electricians, landscapers and painters $186/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.

These averages are based on new 12-month Progressive Commercial policies that met the following criteria:

Remember that these are averages and not necessarily what you’ll pay. For example, the average monthly cost for a contractors policy was $186, while the median cost was just $153.

Several risk factors contribute to your premium including your profession, coverage needs, vehicles, drivers, driving history and location. Learn more about what influences your cost and what you can do to get the cheapest commercial auto insurance.

Call us or start a custom quote online to get the most accurate rate for your business.

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’s 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 can earn up to an additional 18% savings on their premium at renewal by following safe driving habits, and businesses with three or more vehicles can gain further insight with free fleet management tools.

Commercial auto insurance from Progressive protects your business vehicles when they’re being used for work. They need their own policy because they’re typically exposed to more risk than personal vehicles.

Businesses like contractors, landscapers and truck drivers usually need a commercial auto policy. Businesses, like shops and restaurants, that use a car to run errands or transport clients might also need commercial auto insurance.

Commercial vehicles can include cars, light trucks, SUVs, vans and heavy trucks like semis and dump trucks.

Several factors can affect how much you pay for commercial auto insurance including your profession, coverage needs, vehicles and location.

But don’t worry. Progressive Commercial has customizable coverage options to keep your payments down and your business protected, including primary liability, uninsured motorist and more.

Keep your business rolling with Progressive Commercial. Call us or start a quote online today.

DISCLAIMER: Progressive Casualty Ins. Co. & affiliates

Common questions

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.

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.

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”.

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.

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.

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 and you could be held personally responsible for the damages. A commercial auto policy can prevent this from happening.

Yes. Progressive insures commercial vehicles in all 50 states. We currently don’t write policies in Washington D.C.

More information

*No. 1 truck insurer from SNL Financial's 2019 national written premium data. Truck is classified as all For Hire Specialty (FHS) vehicles, all For Hire Transportation (FHT) vehicles, and all vehicles with a Gross Vehicle Weight (GVW) greater than 16k for Tow, Contractors, and Business Auto.
**2020 national average premium per power unit for liability and physical damage coverages.

Discounts vary and may not be available in all states and situations.