Minnesota Commercial Auto Insurance

Customizable coverage options for your business vehicles

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 get 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 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 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 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.

Did you know?

Minnesota’s state minimum liability limit 30/60/10 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 Minnesota’s state minimum limits, your policy will pay up to:

  • $30,000 for each person injured in an accident
  • $60,000 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.

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. They pay in addition to your PIP benefits should 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 are specialized in handling commercial auto claims to help you get back on the road fast after an accident.


Save up to 15% by paying your policy in full and take advantage of our other commercial discounts to get the best rate for your Minnesota policy.

Business insurance options

In addition to commercial auto insurance, we can help you find other business coverages including general liability, professional liability, workers’ compensation and more.

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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* 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.