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    Protect your business vehicles with a Minnesota commercial auto policy

    Many of Minnesota’s small businesses need commercial auto insurance to protect from accidents and other mishaps that involve their business vehicles. Work vehicles are considered higher risk than personal autos and often require specific coverages and limits that aren’t usually covered by personal auto insurance.

    Over 750,000 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 courier business in St. Paul or a food truck in Minneapolis.

    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 typically 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 nationΔ, 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 Minnesota.

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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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    Minnesota commercial auto insurance cost

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


    Some industries have more risk than others. A carpenter who carries tools and equipment to various job sites every day can expect to pay more than a real estate agent who runs occasional errands.


    Your vehicle’s size and use affect your rate. A heavy bucket truck with attached equipment 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 Minneapolis than in a smaller city like Duluth. 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 tornadoes and flooding, are also factors.

    Travel radius

    The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Bloomington’s city limits is considered lower risk than a vehicle with a regional route that covers the greater Twin Cities metro area.

    Coverage needs

    The amount of coverage you need affects your premium. Policyholders with the Minnesota state minimum limits of 30/60/10 will pay less than a policyholder needing a combined single limit of $1M.

    Minnesota commercial auto insurance requirements

    Minnesota state law requires a minimum of $40,000 in personal injury protection (PIP) to pay for the medical expenses of you and your passengers, regardless of who’s at fault for an accident. Minnesota is a “no-fault” state, which means you can only file a claim against the at-fault driver’s insurance once your PIP coverage has been exhausted.

    The state’s minimum liability limits are $30,000 per person, $60,000 per accident for bodily injury and $10,000 for property damage (i.e., 30/60/10). This coverage pays in excess of a third-party’s insurance if you’re at-fault. You might be required to carry higher limits based on your vehicles.

    It’s also required that you carry uninsured motorist (UM) and underinsured motorist (UIM) coverages. In addition to your PIP benefits, these coverages can help if you become injured by an at-fault driver who doesn’t have insurance or enough insurance to cover your medical expenses.

    Minnesota commercial auto resources:

    Common professions that need commercial auto insurance in MN:

    Browse more examples of professions we insure.

    Get Minnesota commercial auto insurance with Progressive

    We’re the #1 commercial auto insurer* in the country, insuring over 1.6 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 specialize in handling commercial auto claims to help you get back on the road fast after an accident.


    Business insurance options

    Commercial auto insurance anywhere in Minnesota

    We offer Minnesota commercial auto insurance statewide, including these major cities:

    • Minneapolis
    • Rochester
    • Duluth
    • Plymouth
    • Woodbury
    • Saint Paul
    • Bloomington
    • Brooklyn Park
    • Maple Grove
    • Eagan

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    Customizable commercial auto coverage for your Minnesota business

    Get a quoteOr, call 1-888-806-9598