Protect your business vehicles with an Oregon commercial auto policy
Many of Oregon’s small businesses need commercial auto insurance to protect from accidents and other situations that involve their work vehicles. Personal auto policies won’t cover most vehicles used for business because they’re considered to have more risk than vehicles designated for personal use.
Hundreds of thousands of 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 single pickup truck in Eugene or several delivery trucks in Portland.
Commercial auto coverage for a variety of business types:
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.
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.
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.
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.
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 Oregon.
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.
Oregon commercial auto insurance cost
Several factors affect the cost of your Oregon commercial auto policy, including your:
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 Portland than a smaller city like Bend. 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 earthquakes and wildfires are also factors.
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Medford’s city limits is considered lower risk than a vehicle with a regional route that covers all of Southern Oregon.
The amount of coverage you need affects your premium. Policyholders with the Oregon state minimum limits of 25/50/20 will pay less than a policyholder needing a combined single limit of $1M.
Did you know?
Oregon’s state minimum liability limit 25/50/20 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 Oregon’s state minimum limits, your policy will pay up to:
- $25,000 for each person injured in an accident
- $50,000 for all people injured in an accident
- $20,000 for all property damaged in an accident
Learn more about liability coverage.
Discover ways to save on your commercial auto insurance.
Oregon commercial auto insurance requirements
Oregon 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 $20,000 for property damage (i.e. 25/50/20). Some policies are required to carry higher limits based on the types of vehicles they insure.
Personal injury protection (PIP) is also required. This is Oregon’s “no-fault” coverage and helps pay for the medical expenses of you and your passengers, regardless of who caused an accident.
The state also requires that you have uninsured motorist bodily injury (UMBI) and underinsured motorist (UM) protection. These coverages pay for the medical expenses that result from injuries caused by someone who doesn’t have any or enough insurance.
Oregon commercial auto resources:
Common professions that need commercial auto insurance in OR:
- Snow plow services
- Real estate agents
- Food trucks
- Pizza delivery
- Cleaning services
- Non-emergency medical transport
Browse more examples of professions we insure.
Get Oregon 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.
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 Oregon 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 Oregon
We offer Oregon commercial auto insurance statewide including these major cities:
* 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.