Hawaii Commercial Auto Insurance

Customizable coverage options for your business vehicles

Protect your business vehicles with an Hawaii commercial auto policy

Many of Hawaii’s 135,000 small businesses need commercial auto insurance to protect them from accidents that arise from the use of their business vehicles. Vehicles that are used for work typically need to be listed on a commercial policy because they’re usually exposed to more risk than personal autos.

Over 750,000 small business owners across the nation trust us to protect their work vehicles and livelihoods. Each get customized coverage to match their unique needs whether they own a food truck in Hilo or a cleaning service in Honolulu.

Commercial auto coverage for a variety of business types:

Business Auto

Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance usually doesn’t cover vehicles used for work purposes.

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Contractors need commercial auto coverage for things like transporting various tools and supplies and traveling between job sites. These are business-related activities that need the additional protection of a commercial policy.

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Food Truck

Food trucks and other food service businesses like restaurants and ice cream vendors depend on their commercial vehicles. Most food trucks have expensive equipment attached to them that a commercial auto policy can cover.

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For-Hire Livery

Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines and non-emergency medical transportation (NEMT) vehicles. Some ridesharing vehicles might require commercial coverage.

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Heavy Truck

We’re the #1 truck insurer in the nation*, insuring everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services is accessible whether you’re driving locally or outside of Hawaii.

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Tow Truck

We offer protection whether you own a wrecker, rollback or roadside repair vehicle. 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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Hawaii commercial auto insurance cost

Several factors affect the cost of your Hawaii commercial auto policy, including your:


Some industries have more risk than others. An electrician who carries tools and equipment to various job sites every day can expect to pay more than a attorney who runs occasional errands.


Your vehicle’s size and use affect your rate. A large carpet cleaning van with an attached vacuum system will likely have a higher premium than a small delivery van with minimal equipment.

Driving history

Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.


It’s common to pay more for commercial auto coverage in a large city like Honolulu than a smaller city like Lahaina. Keep in mind, prices are usually higher in locations that experience more claims or more expensive settlements than other locations. Areas susceptible to weather-related events such as earthquakes and hurricanes are also factors.

Travel radius

The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Hilo’s city limits is considered lower risk than a vehicle with a route that covers the entire Big Island of Hawaii.

Coverage needs

The amount of coverage you need affects your premium. Policyholders with the Hawaii state minimum limits of 20/40/10 will pay less than a policyholder needing a combined single limit of $1M.

Did you know?

Hawaii’s state minimum liability limit 20/40/10 is called a split limit. It separates, or “splits”, the dollar amounts payable by your insurer for bodily injury and property damage into three groups. By choosing Hawaii’s state minimum limits, your policy will pay up to:

  • $20,000 for each person injured in an accident
  • $40,000 for all people injured in an accident
  • $10,000 for all property damaged in an accident

Learn more about liability coverage.

Discover ways to save on your commercial auto insurance.

Hawaii commercial auto insurance requirements

Hawaii state law requires all commercial auto policies to have a minimum liability limit of $20,000 per person, $40,000 per accident for bodily injury and $10,000 for property damage (i.e. 20/40/10). Some policies are required to carry higher limits based on the types of vehicles they insure.

The state also requires that all policies have $10,000 in personal injury protection (PIP) to pay for the medical expenses of your drivers and passengers regardless of who is at fault for an accident.

It’s best practice to select limits that are best for your business in addition to what’s required by Hawaii state law. An unexpected accident can lead to financial and legal costs that might be difficult to afford without the right amount of insurance for your business vehicles.

Hawaii commercial auto resources:

Common professions that need commercial auto insurance in HI:

Browse more examples of professions we insure.

Get Hawaii commercial auto insurance with Progressive

We’re the #1 commercial auto insurer* in the country, insuring over 1.5 million commercial vehicles. Here’s a few of the many reasons small business owners trust us:

24/7 policy service by phone or online

We understand you might need help outside of regular business hours whether you need to adjust your coverages, request an insurance certificate or pay a bill.

Specialized commercial claims adjusters

Our in-house adjusters are specialized in handling commercial auto claims to help you get back on the road fast after an accident.


Take advantage of our various commercial discounts to get the best rate for your Hawaii policy.

Commercial auto insurance anywhere in Hawaii

We offer Hawaii commercial auto insurance statewide including these major cities:

  • Honolulu
  • Hilo
  • Kahului
  • Kapolei
  • Waianae
  • Pearl City
  • Kailua
  • Kihei
  • Ewa Beach
  • Lahaina

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* No. 1 truck and commercial auto 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.
†Discounts vary and may not be available in all states and situations.