Among providers offering the cheapest commercial auto insurance for state minimum liability, NEXT Insurance ranks first at $293 monthly ($3,511 per year). The Hartford at $315 and Nationwide at $324 follow, with all three being below the industry average.
Cheapest Commercial Auto Insurance
With rates starting at $58 per month, the cheapest commercial auto insurance providers are NEXT, The Hartford and Nationwide.
Compare quotes from top providers to find your best rate.
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Updated: November 13, 2025
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Cheap Commercial Auto Insurance: Key Takeaways
NEXT Insurance offers the cheapest commercial auto insurance we analyzed at $293 monthly, about $22 (7%) less than average.
The cheapest provider depends on your business type, vehicle use, coverage needs and driver history.
To get the most affordable business auto insurance, get only coverage you need, take advantage of discounts and compare plenty of quotes.
Cheapest Commercial Auto Insurance Companies
| NEXT Insurance (Progressive Commercial) | $293 | $3,511 |
| The Hartford | $315 | $3,785 |
| Nationwide | $324 | $3,885 |
| GEICO | $327 | $3,922 |
| biBERK | $367 | $4,401 |
Note: Rates shown reflect average monthly and annual premiums from the companies MoneyGeek surveyed. Your actual costs may vary based on your business type, location, coverage needs and claims history. Compare quotes from multiple insurers to find the best rate for your specific situation.
NEXT Insurance: Cheapest Commercial Auto Insurance Overall
pros
Cheapest rates at $293 monthly
Top overall score in our analysis
Instant digital quotes and certificates 24/7
Strong coverage quality (ranks second)
Fully mobile-accessible platform
cons
Lowest customer experience scores
Offers commercial auto insurance indirectly through Progressive
COMPANY HIGHLIGHTS
NEXT Insurance offers the cheapest commercial auto insurance in our analysis at $293 monthly, saving contractors, delivery services, landscapers and other small business owners $268 annually. The digital platform provides instant quotes, 24/7 certificate access from your phone and straightforward online purchasing, ideal when clients or job sites need proof of coverage quickly.
NEXT earned our top overall score and ranks second for coverage quality, protecting business vehicles effectively during equipment hauls or customer deliveries. Customer experience scores trail competitors, but streamlined digital tools eliminate most paperwork needs.
Cheapest Commercial Auto Insurance by Coverage Level
NEXT Insurance offers the cheapest commercial auto insurance at $137 monthly for state minimum coverage, beating The Hartford ($148) and Nationwide ($151). Your rate varies by industry, location and drivers, so compare quotes to find your best price.
| State Minimum Liability | NEXT Insurance (Progressive Commercial) | $137 |
| 100/300/100 Liability Insurance With $1,000 deductible For Comp and Collision | NEXT Insurance (Progressive Commercial) | $354 |
| $1,000,000 CSL (Combined Single Limit) Liability | NEXT Insurance (Progressive Commercial) | $387 |
Cheapest Commercial Auto Insurance By Vehicle Type
NEXT Insurance has the cheapest rates for every vehicle type, from sedans at $58 monthly to farm tractors at $73, no matter what you drive.
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| Sedan | NEXT Insurance (Progressive Commercial) | $150 |
| SUV | NEXT Insurance (Progressive Commercial) | $166 |
| Farm Tractor | NEXT Insurance (Progressive Commercial) | $186 |
| Van | NEXT Insurance (Progressive Commercial) | $224 |
| Pickup Truck | NEXT Insurance (Progressive Commercial) | $230 |
| Box Truck | NEXT Insurance (Progressive Commercial) | $297 |
| Forklift | NEXT Insurance (Progressive Commercial) | $316 |
| Food Truck | NEXT Insurance (Progressive Commercial) | $317 |
| Dump Truck | NEXT Insurance (Progressive Commercial) | $430 |
| Flatbed Truck | NEXT Insurance (Progressive Commercial) | $439 |
Cheapest Commercial Auto Insurance By State
Pennsylvania drivers pay the cheapest rates for state minimum liability through NEXT Insurance at $65 monthly ($780 yearly). Hawaii follows at $71, with both below average.
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| Alabama | The Hartford | $277 |
| Alaska | NEXT Insurance (Progressive Commercial) | $324 |
| Arizona | NEXT Insurance (Progressive Commercial) | $339 |
| Arkansas | The Hartford | $296 |
| California | NEXT Insurance (Progressive Commercial) | $403 |
| Colorado | NEXT Insurance (Progressive Commercial) | $369 |
| Connecticut | NEXT Insurance (Progressive Commercial) | $390 |
| Delaware | The Hartford | $335 |
| Florida | NEXT Insurance (Progressive Commercial) | $447 |
| Georgia | NEXT Insurance (Progressive Commercial) | $311 |
| Hawaii | NEXT Insurance (Progressive Commercial) | $266 |
| Idaho | NEXT Insurance (Progressive Commercial) | $245 |
| Illinois | NEXT Insurance (Progressive Commercial) | $378 |
| Indiana | NEXT Insurance (Progressive Commercial) | $303 |
| Iowa | Nationwide | $262 |
| Kansas | Nationwide | $259 |
| Kentucky | The Hartford | $311 |
| Louisiana | The Hartford | $472 |
| Maine | NEXT Insurance (Progressive Commercial) | $225 |
| Maryland | GEICO | $386 |
Cheapest Commercial Auto Insurance By Industry
Your industry significantly affects commercial auto insurance rates. Among the industries we analyzed, financial services businesses through NEXT Insurance pay the cheapest rates at just $58 monthly ($694 yearly) for state minimum liability. Professional services at $61 and medical/healthcare at $62 follow closely.
| Agriculture/Farming | NEXT Insurance (Progressive Commercial) | $244 |
| Cleaning/Janitorial | NEXT Insurance (Progressive Commercial) | $185 |
| Contractors/Construction | NEXT Insurance (Progressive Commercial) | $337 |
| Financial Services | NEXT Insurance (Progressive Commercial) | $151 |
| Manufacturing | NEXT Insurance (Progressive Commercial) | $461 |
| Medical/Healthcare | NEXT Insurance (Progressive Commercial) | $161 |
| Professional Services | NEXT Insurance (Progressive Commercial) | $159 |
| Restaurants and Food Delivery | NEXT Insurance (Progressive Commercial) | $253 |
| Retail | NEXT Insurance (Progressive Commercial) | $175 |
| Transportation/Trucking | NEXT Insurance (Progressive Commercial) | $663 |
How to Get the Cheapest Auto Insurance
Knowing the cheapest commercial auto insurance provider helps, but you can lower your insurance costs even further with these strategies:
- 1Compare quotes from multiple insurers
Rates vary significantly between companies for identical coverage. Get quotes from at least three insurers to find the best price for your needs.
- 2Raise your deductible
A higher deductible lowers your monthly premium. If you can cover $1,000 or $2,500 out of pocket after an accident, you'll save on annual costs.
- 3Bundle policies
Combine commercial auto insurance with general liability or property coverage for a multi-policy discount. This reduces your overall business insurance expenses.
- 4Keep driving records clean
Accidents and violations increase premiums. Implement safety training and monitoring programs to keep your drivers' records clean and your rates low at renewal.
- 5Choose vehicles strategically
Newer, expensive vehicles cost more to insure than older models. Your fleet's make, model and safety features directly affect your rates.
- 6Pay annually
Paying your full premium upfront saves money compared to monthly payments. Most insurers charge installment fees that increase your total cost.
- 7Build better credit
In most states, insurers use credit scores to calculate rates. Pay bills on time, reduce debt and fix credit report errors to qualify for lower premiums.
Low Cost Commercial Auto Insurance: Bottom Line
NEXT Insurance offers the cheapest commercial auto insurance at $293 monthly, but your rate varies by industry, location and drivers. Compare quotes from NEXT, The Hartford and Nationwide to find your best price. Lower your costs by bundling policies, maintaining clean driving records and choosing less expensive vehicles.
Affordable Commercial Auto Insurance: FAQ
Finding the cheapest commercial auto insurance raises questions about coverage, costs and savings. We've answered frequently asked questions to help you decide:
What coverage level should I choose for my commercial auto insurance?
State minimum works for older vehicles you own outright and can afford to replace. Full coverage with 100/300/100 limits protects your business better from major liability claims at $4,252 yearly through NEXT Insurance. Businesses with financed vehicles or valuable assets need higher limits.
Why do commercial auto insurance rates vary so much between industries?
Insurers price based on how you use vehicles. Financial services businesses pay just $58 monthly through NEXT Insurance because they drive mainly for client meetings. Delivery services and contractors hauling equipment face higher premiums from increased road time, cargo risks and accident exposure.
Does my state affect how much I pay for commercial auto insurance?
Your location matters significantly. Pennsylvania businesses pay the lowest rates at $65 monthly through NEXT Insurance, while high-traffic states cost much more. State minimum coverage requirements and local claims frequency create these differences. Always compare quotes from multiple insurers in your area.
Can I save money by insuring multiple commercial vehicles together?
Most insurers discount multi-vehicle policies by 5% to 15% compared to separate coverage. Contact NEXT Insurance, The Hartford or Nationwide for fleet quotes, as savings grow with more vehicles. You'll also simplify management with one renewal date and single certificate of insurance.
How do I know if NEXT Insurance's cheapest rates will apply to my business?
NEXT's $293 monthly rate averages state minimum coverage across different business profiles. Your actual cost depends on your industry, location, vehicles, drivers and claims history. Get an instant quote through NEXT's digital platform and compare it with The Hartford ($315) and Nationwide ($324).
What's the difference between state minimum and full coverage commercial auto insurance?
State minimum covers only liability for damage you cause to others, costing around $1,643 yearly. Full coverage adds comprehensive and collision protection for your own vehicles at $4,252 annually through NEXT Insurance. Choose full coverage for newer vehicles, loans or when you can't afford replacement costs.
Will my commercial auto insurance rates increase after an accident?
At-fault accidents raise premiums at renewal for three to five years. The increase varies by severity and your claims history. Driver safety programs help prevent future incidents and keep rates lower. Compare quotes from NEXT Insurance, The Hartford and Nationwide after accidents, as increases differ between insurers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.