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Colorado Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with a Colorado commercial auto policy
Many of Colorado's 730,000 small businesses need commercial auto insurance to protect against accidents and other mishaps that involve their business vehicles. Personal auto insurance typically won't cover vehicles used for work because they usually need higher coverage limits.
More than 1.2 million small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a single delivery van in Colorado Springs or several snow plow trucks in Boulder.
Trusted by over 1.2 million small businesses nationwide
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Industry Leader
#1 in America§
Trust your vehicles to the top commercial auto and truck insurer.
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Customers
1.2 million+
People nationwide count on us for their commercial auto needs.
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Experience
50+ years
Supporting small business owners for over half a century.
Commercial auto insurance in Colorado for a variety of business types
Business auto
Vehicles used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto policies typically don't cover work-related driving.
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Contractors
Contractors often use vehicles to transport tools, equipment, and supplies between job sites. These daily work activities usually call for commercial auto coverage rather than a personal policy.
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Food truck
Food trucks, restaurants, and ice cream vendors depend on vehicles to deliver products and serve customers. Many also have expensive, permanently attached equipment that a commercial auto policy can help protect.
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For-hire livery
Most vehicles used to transport people for a fee need a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing businesses also require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nation,Δ insuring everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services are accessible whether you're driving locally or outside of Colorado.
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Tow truck
We offer protection for wreckers, rollbacks, and roadside repair vehicles. You can add specialty tow coverages like on-hook and garagekeepers legal liability to protect you when a customer's vehicle is in your possession.
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Colorado commercial auto insurance cost
In 2025, the average monthly cost for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ How much you'll pay for commercial car insurance in Colorado depends on several factors, and there may be ways to save based on your setup.
Profession
Some industries have more risk than others. A handyman who carries tools and equipment to various job sites every day can expect to pay more than a CPA who occasionally visits clients.
Vehicle
Your vehicle's size and use affect your rate. A large dump truck that hauls bulk materials will likely have a higher premium than a small pickup truck used for landscaping work.
Driving history
Accidents and violations can cause your rate to increase. Insurers will typically review the past three years of driving history for everyone listed on your policy.
Location
It's common to pay more for commercial auto insurance in Denver than in a smaller city like Colorado Springs. That's because prices are usually higher in places with more claims or expensive settlements. Areas prone to weather-related events, such as tornadoes and floods, can also be a factor.
Travel radius
Your regular driving distance can influence your commercial auto rate. A vehicle with a local route within Pueblo city limits is considered lower risk than a vehicle with a regional route that covers all of Central Colorado.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Colorado state minimum limits of 25/50/15 will pay less than a policyholder needing a combined single limit of $1 million.
Colorado commercial auto liability split limit explained
Colorado's state minimum liability limit — 25/50/15 — is called a split limit. It separates your insurer's maximum payouts into three groups:
- $25,000 for each person injured
- $50,000 for all people injured
- $15,000 for all property damaged
By choosing the state minimum limits, your policy will pay up to these amounts if you're at fault for an accident. Learn more about liability coverage in Colorado.
Colorado commercial auto insurance requirements
Colorado law requires commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. Some businesses will need to carry higher limits based on the types of vehicles they use.
Vehicles with a U.S. Department of Transportation (USDOT) or motor carrier number will have separate coverage requirements. For example, the Federal Motor Carrier Safety Administration (FMCSA) generally requires semi trucks and other large vehicles traveling interstate to carry a minimum combined single limit of $750,000.
It's important to select limits that work for your business in addition to meeting state law requirements. The right coverage can protect you from unexpected financial setbacks if something happens on the road.
Colorado commercial auto resources:
- Small Business Guide to Insurance (Colorado Division of Insurance)
- Auto Insurance in Colorado (Colorado General Assembly)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in CO
Businesses that rely on company vehicles should have commercial insurance to protect them. Professions that need commercial auto insurance in Colorado include:
- Real estate agents
- Snow plow services
- Cleaning services
- Contractors
- Rideshare
- Food trucks
- Painters
- Pizza delivery
- Distributors
- Non-emergency medical transport
Browse more professions we insure.
Get Colorado commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* protecting over 2.3 million commercial vehicles. Here are a few of the many reasons small business owners trust us:
Expert policy service by phone or online
Our customer service representatives are available 24 hours on weekdays and between 6:30 a.m. and 2 a.m. on weekends. Whether you want to adjust your coverages, request an insurance certificate, or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast.
Discounts†
Save 10% or more when you pay in full on commercial auto insurance and take advantage of our other discounts to get the best rate for your Colorado policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, and workers' compensation.
Commercial auto insurance anywhere in Colorado
We offer Colorado commercial auto insurance statewide, including these major cities:
- Denver
- Aurora
- Lakewood
- Arvada
- Pueblo
- Colorado Springs
- Fort Collins
- Thornton
- Westminster
- Centennial
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