Protect your business vehicles with an Idaho commercial auto policy
Many of Idaho’s 169,000 small businesses rely on commercial auto insurance to protect their business vehicles. It’s an important coverage because commercial autos are exposed to more risk and usually can’t be protected by a personal auto policy.
Hundreds of thousands of small business owners across the country trust Progressive Commercial to protect their businesses and their work vehicles. Each gets customized coverage to match their unique needs, whether they own a single cleaning service van in Boise or several landscaping trucks in Nampa.
Commercial auto coverage for a variety of business types:
Idaho commercial auto insurance cost
Several factors affect the cost of your Idaho commercial auto policy, including your:
Profession
Some industries have more risk than others. A contractor who carries tools and equipment to various job sites every day can expect to pay more than a lawyer who runs occasional errands.
Vehicle
Your vehicle’s size and use affect your rate. A heavy food truck with a grill and a deep fryer will likely have a higher premium than a small bakery 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.
Location
It’s common to pay more for commercial auto coverage in a large city like Meridian than in a smaller city like Pocatello. 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 floods and wildfires, are also factors.
Travel radius
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Idaho Falls’ city limits is considered lower risk than a vehicle with a regional route that covers all of Eastern Idaho.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Idaho state minimum limits of 25/50/15 will pay less than a policyholder needing a combined single limit of $1M.
Idaho commercial auto insurance requirements
Idaho state law requires all 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 (i.e., 25/50/15). Some policies are required to carry higher limits based on the types of vehicles they insure.
Idaho law also requires each policy have uninsured motorist (UM) and underinsured motorist (UIM) coverage. These coverages provide protection if an at-fault motorist doesn’t have high enough limits to cover injuries to you and your passengers or if they’re uninsured altogether. You can opt out of carrying this coverage but must do so in writing, per Idaho law.
It’s important to consider your business’s risks when setting your policy limits. Our licensed experts are available to help you get the coverages you need to adequately protect your business vehicles.
Idaho commercial auto resources:
Common professions that need commercial auto insurance in ID:
Browse more examples of professions we insure.
Commercial auto insurance anywhere in Idaho
We offer Idaho commercial auto insurance statewide, including these major cities:
- Boise
- Nampa
- Caldwell
- Coeur d’Alene
- Post Falls
- Meridian
- Idaho Falls
- Pocatello
- Twin Falls
- Lewiston
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