How much does Commercial Auto Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Comprehensive FAQ, cost guide, and real claims examples for commercial auto insurance covering business vehicles, fleets, and trucking operations.
Commercial auto insurance covers vehicles used for business purposes — including liability, collision, comprehensive, medical payments, and uninsured motorist protection. Required by law in all 50 states for any vehicle operated on public roads. Commercial policies provide higher limits, broader coverage, and specific business-use endorsements not available on personal auto policies. Premiums depend on vehicle type, driver records, cargo type, and mileage.
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Single Passenger/Light Commercial Vehicle | 1 vehicle | $1,200–$3,500/yr | Contractor vans, pickup trucks, delivery vehicles. Depends heavily on driver record and cargo. |
| Small Fleet (2–5 vehicles) | 2–5 vehicles | $3,000–$12,000/yr | Fleet policies typically offer 5–15% multi-vehicle discount. |
| Mid-Size Fleet (6–20 vehicles) | 6–20 vehicles | $10,000–$50,000/yr | Telematics and driver safety programs can reduce premium 10–20%. |
| Single Semi-Truck (Owner-Operator) | 1 truck | $8,000–$18,000/yr | Highest variation by cargo type, route, and safety score. |
| Trucking Fleet (5+ trucks) | 5+ trucks | $40,000–$200,000+/yr | Fleet risk management and CSA Safety Score are primary pricing factors. |