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South Carolina Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with South Carolina commercial auto insurance
Many of South Carolina's 530,000 small businesses rely on vehicles to get the job done. When you use cars or trucks for business tasks you typically need commercial auto insurance. Work vehicles often carry more risk than personal ones and may need specific coverages and limits. A specialized policy is key to protecting them.
More than 1.2 million small business owners across the nation trust Progressive Commercial to protect their vehicles and livelihoods. Each customer gets coverage tailored to their unique needs, whether they own a single food truck in Charleston or several service vans in Columbia.
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 South Carolina for a variety of business types
Business auto
If employees drive vehicles for work, like visiting clients or making deliveries, those vehicles usually need commercial auto insurance. Personal auto policies typically don't cover business use, so be sure to have the right protection.
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Contractors
Contractors often use vehicles to transport tools, equipment, and supplies between job sites. These daily work activities usually call for the additional protection of a commercial policy.
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Food truck
Food trucks, restaurants, and other food service businesses like ice cream vendors depend on their commercial vehicles to deliver products and serve customers. Many also have expensive 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 need a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing vehicles 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 truck repair shops and specialty claims services are available whether you're driving locally or outside of South Carolina.
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Tow truck
We offer protection for wreckers, rollbacks, and roadside repair vehicles. You can also add specialty tow coverages like on-hook and garagekeepers legal liability to safeguard your business when a customer's vehicle is in your possession.
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South Carolina commercial auto insurance cost
The national average monthly cost in 2025 for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ Your South Carolina commercial auto rate can vary based on several factors, and there may be ways to save based on your setup.
Profession
Some industries are riskier than others. For example, a handyman traveling daily with tools and equipment may pay more than a consultant who occasionally drives to visit clients.
Vehicle
Your vehicle's size and use affect your rate. A heavy dump truck hauling gravel will probably have a higher premium than a small pickup truck used for residential landscaping jobs.
Driving history
Accidents and moving violations can increase your premium. Insurers typically review the last three years of driving history for all drivers.
Location
Policies can be more expensive in larger cities than smaller ones because they usually have more claims and expensive settlements. So, you might pay more for commercial auto insurance in Charleston than in Sumter. Areas prone to weather-related events, such as tornadoes, 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 Greenville's city generally carries less risk than a regional route across the entire South Carolina Upstate.
Coverage needs
The amount of coverage you need affects your premium. Customers with the South Carolina state minimum limits of 25/50/25 will pay less than someone needing a combined single limit of $1 million.
South Carolina commercial auto liability split limit explained
South Carolina's state minimum liability limit — 25/50/25 — is called a split limit. It separates your insurer's maximum payouts into three groups:
- $25,000 for each person injured
- $50,000 for all people injured
- $25,000 for all property damaged
If you carry only the state minimum, your policy can pay up to these amounts if you're at fault for an accident. You can choose higher limits if your business needs more protection.
South Carolina commercial auto insurance requirements
South Carolina law requires all commercial auto policies to have minimum vehicle liability limits of $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Some businesses may need more coverage based on their vehicles or operations.
Uninsured motorist (UM) coverage is also required in South Carolina. It can help protect you if you're injured by a driver who doesn't have insurance. It can also work after a hit-and-run accident.
Vehicles with a U.S. Department of Transportation (USDOT) number will have separate coverage rules. For example, the Federal Motor Carrier Safety Administration (FMCSA) typically requires certain interstate vehicles, like semi trucks, to carry a minimum combined single limit of $750,000.
South Carolina commercial auto resources:
- General Auto Insurance Information (SC Department of Insurance)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in SC
Businesses that rely on company vehicles should have commercial insurance to protect them from auto-related claims. Common professions that need commercial auto insurance in SC:
- Painters
- Handyman services
- Auto mechanics
- Home inspectors
- Bakeries
- Caterers
- Landscapers
- Cleaning services
- Event planners
- Manufacturers
Browse more professions we insure.
Get South Carolina commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* insuring more than 2.3 million commercial vehicles. Here are a few of the many reasons small business owners trust us:
Expert policy service by phone or online
Our customer service representatives are available 24 hours on weekdays and between 6:30 a.m. and 2 a.m. on weekends. Whether you want to adjust your coverages, request a certificate of insurance (COI), or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters specialize in commercial auto claims and work 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 South Carolina policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, like general liability, professional liability, and workers' compensation.
Commercial auto insurance anywhere in South Carolina
We offer South Carolina commercial auto insurance statewide, including these major cities:
- Columbia
- Greenville
- North Charleston
- Rock Hill
- Goose Creek
- Charleston
- Summerville
- Mt. Pleasant
- Sumter
- Hilton Head Island
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