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Maryland Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with Maryland commercial auto insurance
Many of Maryland's 696,000 small businesses rely on vehicles every day. When cars, vans, or trucks are used for work, they usually need commercial auto insurance to protect them. That's because they're often exposed to more risk than personal autos and require specific coverages and limits that a personal auto policy can't provide.
More than 1.2 million small business owners across the nation trust us to protect their work vehicles and livelihoods. Each customer gets customized coverage to match their unique needs, whether they run a technology company with one car in Rockville or a manufacturing business with several delivery vans in Baltimore.
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 Maryland for a variety of business types
Business auto
Vehicles driven by employees or used for business tasks, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto policies typically don't cover vehicles used for work.
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Contractors
Contractors often use vehicles to travel between job sites and transport tools, equipment, and other supplies. These work activities usually call for a commercial policy.
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Food truck
Food trucks, restaurants, and ice cream vendors often depend on vehicles to operate their business. Many also have permanently attached equipment that a commercial auto policy can help protect.
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For-hire livery
Vehicles used to transport people for a fee usually need to be insured under a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing businesses might also require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nation,Δ covering everything from dump trucks to tractor trailers. Our network of repair shops and specialty claims services are available whether you're driving locally or outside of Maryland.
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Tow truck
We offer protection for wreckers, rollbacks, and roadside repair vehicles. You can also add specialty tow coverages, such as on-hook and garagekeepers legal liability, for situations when you're working on or holding a customer's vehicle.
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Maryland commercial auto insurance cost
The average monthly cost in 2025 for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ Your Maryland commercial auto rate can vary based on several factors, and there may be ways to save depending on your setup.
Profession
Some industries have more risk than others. A painter who carries tools and equipment to various job sites every day can expect to pay more than an accountant who occasionally visits clients.
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
Accidents and moving violations can raise your premium. Most insurers look at the last three years of driving history for everyone on your policy when setting your rate.
Location
It's common to pay more for commercial auto insurance in Baltimore than in a smaller city like Gaithersburg. That's because prices are usually higher in places with more claims or expensive settlements. Areas prone to weather-related events, such as hurricanes, can also affect your rate.
Travel radius
Your regular driving distance can influence your commercial auto rate. For example, a vehicle with a local route within Baltimore's city limits is considered lower risk than a vehicle with a regional route that covers all of Central Maryland.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with Maryland's state minimum limits of 30/60/15 typically pay less than someone who needs a combined single limit of $1 million.
Maryland commercial auto liability split limit explained
Maryland's minimum vehicle liability limits of 30/60/15 are known as a split limit. It separates your insurer's maximum payouts into three groups:
- $30,000 for each person injured
- $60,000 for all people injured
- $15,000 for all property damaged
If you choose Maryland's minimum coverages, your policy can pay up to these amounts if you're at fault for a covered accident.
Maryland commercial auto insurance requirements
Maryland law requires commercial auto policies to carry minimum liability limits of $30,000 per person, $60,000 per accident for bodily injury, and $15,000 for property damage. Some businesses will need more coverage based on their vehicle type.
Commercial vehicles also have to get uninsured motorist coverage (UM). This coverage can help pay for medical expenses if you're injured by an uninsured or underinsured driver or in a hit-and-run accident.
Vehicles with a U.S. Department of Transportation (USDOT) motor carrier number will have separate coverage rules. For example, the Federal Motor Carrier Safety Administration (FMCSA) typically mandates certain interstate vehicles, like semi trucks, to carry at least $750,000 in combined single limit coverage.
Choosing limits above Maryland's minimum can provide added financial protection for your business. If you have questions, you can call our insurance experts for help.
Maryland commercial auto insurance resources:
- Consumer's Guide to Auto Insurance (Maryland Insurance Administration)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in MD
Businesses that rely on company vehicles probably need commercial auto insurance to protect against vehicle‑related claims. Common professions in Maryland that need coverage include:
- Food trucks
- Caterers
- Cleaning services
- Wholesalers
- Consultants
- Contractors
- Snow plow services
- Event planners
- Dry cleaners
- Rideshare
Browse more professions we insure.
Get Maryland commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer* in the country, covering over 2.3 million commercial vehicles. Here are a few reasons so many small business owners trust us:
Expert policy service by phone or online
Our customer service team is available 24 hours on weekdays and from 6:30 a.m. to 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 an affordable rate for your Maryland 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 Maryland
We offer Maryland commercial auto insurance statewide, including these major cities:
- Baltimore
- Germantown
- Waldorf
- Glen Burnie
- Gaithersburg
- Columbia
- Silver Spring
- Ellicott City
- Frederick
- Rockville
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