Cheap commercial auto insurance

Save on your commercial auto insurance cost

Finding the cheapest commercial auto insurance is important, but customers shouldn’t compromise good coverage to get it. The right insurance can protect your small business from high out-of-pocket costs after an accident without breaking your budget.

Progressive Commercial can help you customize your company’s policy to increase savings and provide the best coverage for your specific risks.

Commercial auto insurance cost factors

Commercial auto insurance cost factors determine how much you’ll pay. Your insurer will calculate your premium by taking the following features of your business into account.

Industry and profession

Different industries and professions have different risks. For example, a construction company with multiple commercial vehicles has greater exposure than a consultant who sometimes uses a car to run errands. The construction firm would have a higher premium than the consulting business as a result.


Location also affects a business’s commercial auto insurance cost. You might pay more to insure a commercial vehicle in a large city than one in a rural area. Places with above average claims could also cost your business more. Learn more about commercial auto insurance in your state.


Your vehicle's age, size and purpose influence your premium. For example, an older delivery van that a bakery occasionally uses would cost less to insure than a new cargo van for a courier service that regularly transports expensive materials.

Coverage choice matters, too. For example, if you choose to carry physical damage coverage, your vehicle's value will be factored into your insurance cost.

Driving history

Driving history is also important to most insurance companies. These carriers will run a motor vehicle report for all drivers with access to your commercial vehicle. Drivers with multiple accidents or violations will have a negative impact on your premium. Insurers usually take the past three years of driving history into account.

Coverage needs

Your coverage needs impact what you’ll pay. Your commercial auto insurance cost will increase with more coverage. For example, a $1 million liability policy will have a significantly higher premium than a policy with state minimum liability limits. Learn more about liability insurance and other commercial auto coverages.

How to get the cheapest commercial auto insurance

There are several ways to get the cheapest commercial auto insurance for your business.

Maintain a clean driving record

Your driving history has one of the largest impacts on your premium. Even a small moving violation can significantly affect your rate. Your rates can remain low if you and your employees have safe driving habits. They could also improve over time with an accident-free driving record.

Adjust your coverage limits and deductibles

Adjusting your coverage limits and deductibles is another way to save on your commercial auto premium. For example, you could decrease your combined single limit (CSL) from 300 to 100, which lowers your coverage for multi-person accidents from $300,000 to $100,000. You could also get cheaper commercial auto insurance by increasing your physical damage deductible. A higher deductible requires you to pay more out-of-pocket after a covered accident.

Be sure you're comfortable with the amounts you select prior to buying a policy.


Discounts are the easiest way to get cheap commercial auto insurance. Progressive Commercial offers multiple ways to save. Qualified customers can get the following savings:

  • Prior Auto Insurance Discount
  • Package Policy Discount
  • Commercial Driver's License (CDL) Discount
  • Business Experience Discount
  • Paid In Full Discount

Learn more about how these discounts, and others, can help you save on your commercial auto policy.

Contact Progressive Commercial for an auto insurance quote

Contact Progressive Commercial for an auto insurance quote to learn more about what you’ll pay. You can also protect your company by adding business insurance to your policy.

Call us or start a quote online to learn more.

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