North Carolina Commercial Auto Insurance

Customizable coverage options for your business vehicles

Protect your business vehicles with a North Carolina commercial auto policy

Many of North Carolina’s 934,000 small businesses need commercial auto insurance to protect against accidents involving their business vehicles. A commercial auto policy offers specialized coverage options and higher limits that are often needed by vehicles used for work.

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’re a wholesale distributor in Ashville or a real estate agent in Greensboro.

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

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 North Carolina.

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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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North Carolina commercial auto insurance cost

Several factors affect the cost of your North Carolina 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 photographer who travels to a single destination.

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 Raleigh than a smaller city like Greenville. 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 hurricanes, 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 Charlotte’s city limits is considered lower risk than a vehicle with a regional route that covers the entire Piedmont region.

Coverage needs

The amount of coverage you need affects your premium. Policyholders with the North Carolina state minimum limits of 30/60/25 will pay less than a policyholder needing a combined single limit of $1M.

Did you know?

North Carolina’s state minimum liability limit 30/60/25 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 North Carolina’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
  • $25,000 for all property damaged in an accident

Learn more about liability coverage.

Discover ways to save on your commercial auto insurance.

North Carolina commercial auto insurance requirements

North Carolina state law requires you to have personal injury protection (PIP) coverage to pay for the medical expenses of your drivers and passengers regardless of who is at fault for an accident.

The state law requires all commercial auto policies to have a minimum liability limit of $30,000 per person, $60,000 per accident for bodily injury and $25,000 for property damage (i.e. 30/60/25). Some policies are required to carry higher limits based on the types of vehicles they insure.

It's required that all commercial vehicles have uninsured motorist coverage (UM). It helps pay for the medical expenses that result from injuries caused by an uninsured driver or a hit-and-run situation. Underinsured motorist (UIM) coverage could be required depending on the liability limits you choose.

North Carolina commercial auto resources:

Common professions that need commercial auto insurance in NV:

Browse more examples of professions we insure.

Get North Carolina 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.

Discounts

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 North Carolina 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 North Carolina

We offer North Carolina commercial auto insurance statewide including these major cities:

  • Charlotte
  • Fayetteville
  • Greensboro
  • Winston-Salem
  • High Point
  • Raleigh
  • Cary
  • Durham
  • Wilmington
  • Concord

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* No. 1 truck and commercial auto insurer from SNL Financial's 2019 national written premium data.
†Discounts vary and may not be available in all states and situations.