Commercial Auto Insurance Cost Estimate Calculator

Select your state, industry and vehicle type to get an average commercial auto insurance cost estimate for your business. Rates reflect minimum coverage as the base comparison. Once you're satisfied, you can click Get Quotes to get matched to providers that best suit your profile.

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Average monthly rate—

How Much Does Commercial Auto Insurance Cost?

Commercial auto insurance costs $163 per month ($1,959 per year) for minimum coverage. This is a national benchmark derived from eight vehicle types across 25 general industry categories (including 400+ sub-industries) and all 50 states (including D.C.) to reflect the range of commercial fleet profiles.

However, your small business insurance rates will vary heavily depending on your vehicle's details, your drivers, and details surrounding your business's operations and location. This also does not represent commercial truck insurance costs, which we consider a completely separate category inclusive of larger cargo and livery vehicles like box trucks, semis, tankers and dump trucks.

To estimate average commercial auto insurance costs, MoneyGeek analyzed pricing estimates from five major commercial auto providers and modeled standardized premium estimates across common business vehicle profiles. These modeled results give a consistent national benchmark and show how premiums shift by vehicle type, industry and location.

Dataset Scope and Assumptions

Our cost modeling uses standardized inputs for comparable results across businesses.

  • Providers analyzed: five major commercial auto providers
  • Vehicle types covered: eight (Sedan, SUV, Pickup Truck, Van, Food Truck, Farm Tractor, Taxi, Limousine). Vehicles were only analyzed where they would realistically be used widely for commercial purposes within industry areas for accuracy.
  • Industries covered: 25 general industry categories
  • Location: all 50 states plus Washington, D.C.
  • Coverage baseline: minimum coverage commercial auto policy (the market standard for benchmark comparisons)

How We Calculated Average Commercial Auto Insurance Costs

MoneyGeek's published averages represent modeled premiums for standardized business profiles, aggregated two ways. Each figure isolates one variable at a time so you can see where your costs land relative to the national benchmark of $163 per month.

  • National Benchmark Average: The national average reflects the modeled premium for a minimum coverage policy across all vehicle types, industries and states in the dataset. This single figure covers all 51 states and territories, and gives you a starting reference point before accounting for your specific business profile.
  • Segment Averages: To show how costs shift, MoneyGeek calculated average modeled premiums isolated by one variable at a time, covering vehicle type, general industry category and state. Segment averages aggregate modeled pricing trends across the full dataset so you can compare how premiums change across business types and regions. A sedan operator in Pennsylvania will see a very different number than a limousine service in Michigan.

What Factors Affect Commercial Auto Insurance Costs?

Commercial auto insurance pricing varies based on four core factors: coverage level, vehicle type, industry classification and geographic location. These variables explain most premium differences across small business fleets because they capture how insurers estimate claim frequency, severity and total exposure. Review MoneyGeek's commercial auto insurance cost data to see how each factor shifts your rate in dollar terms.

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    Vehicle Type

    Vehicle type is the most influential pricing factor for commercial auto insurance because it determines an insurer's exposure to physical damage, bodily injury liability and the vehicle's replacement cost. It also often informs a business insurance provider of likelihood of accident based on likely use cases and driving statistics associated. According to our research, the differences are staggering with the low end of the spectrum for sedans being 32% below average while limousines sit 433% higher than national benchmarks.

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    Industry Classification

    Industry classification is the second most influential pricing factor for commercial auto insurance because it directly determines how much driving commercial vehicles do, what cargo they carry and the environments they operate in. Rates across 25 general industry categories range from 45% lower than average for marketing and communications businesses towards 114% higher for those in the transportation and logistics industry.

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    Geographic Location

    Geographic location is the has the third greatest effect on commercial auto insurance costs because state regulations, litigation patterns, medical costs and claim settlement practices vary considerably by market. The same vehicle doing the same work costs range from 52% lower on average in Pennsylvania and 91% higher in Michigan.

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    Coverage Level

    Coverage level is lowest strength core pricing driver for commercial auto insurance, and shifts rate directly by setting the actual investment an insurer is agreeing to if a covered event happens. Moving from minimum to high limits/broader coverage more than doubles the monthly premium.

Average Commercial Auto Insurance Costs by Vehicle Type

When isolating vehicle type, rates range anywhere from $110/mo to up to $870/mo with the most commonly used vehicle types sitting somewhere around $110/mo to $230/mo. Primarily the highest rate differentials are from passenger carrying vehicles including taxis and limousines where prices are higher (over $700/mo on average) primarily due to liability risks, minimum requirements and frequency of driving are highest given the nature of their work.

Van$189$2,272-16%5
Taxi$791$9,490-384%7
Sedan$110$1,32632%1
SUV$130$1,55621%2
Pickup Truck$186$2,228-14%4
Limousine$870$10,439-433%8
Food Truck$230$2,759-41%6
Farm Tractor$178$2,135-9%3

If you have particular vehicle types in mind to insure, we've provided dedicated guides below.

Average Commercial Auto Insurance Costs by Industry

dingIndustry classification is the third pricing factor for commercial auto insurance. Rates across 25 industries range from $89 per month for Marketing & Communications to $349 per month for Transportation & Logistics, a gap of $260 per month driven by how much driving each industry requires and what risk that driving carries.

Below, is how the distribution breaks down:

  • Lower-Cost Industries (20%+ Below National Average): Covers 36% of our general industries studied including Marketing & Communications, Financial Services, (Beauty, Body & Wellness Services), Fitness Services, Consulting Services, Tech/IT, Education, (Arts, Media & Entertainment), Real Estate & Property Services
  • Mid-Cost Industries (Within 20% of National Average): Covers 56% of general industries studied including Healthcare & Medical, Pet Care Services, Childcare Services, Nonprofit & Associations, Agriculture & Natural Resources, Recreation & Sports, Retail & Product Rental, Repair & Maintenance, Wholesale & Distribution, Food & Beverage, Cleaning Services, Manufacturing, (Hospitality, Travel & Tourism), Construction & Contracting
  • Higher-Cost Industries (More Than 20% Above National Average): Only 8% of our general industry categories including Other Professional Services (primarily due to funeral homes which is priced over $500/mo) and Transportation and Logistics.

Our main finding is how disproportionately most industries fall on the spectrum either lower or circling around the mean nationally (92% of all industry categories studied). Unsurprisingly, transportation as an industry is the most expensive by a long shot, sitting well over $100/mo higher than the next most expensive industry area. Though certain specialized sub-industries within categories of manufacturing like chemical, plastic and food makers/processors and those in warehousing (in wholesale category) sit over $600/mo.

Data filtered by:
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Agriculture & Natural Resources$159$1,9073%14
Arts, Media & Entertainment$128$1,53622%8
Beauty, Body & Wellness Services$98$1,17140%3
Childcare Services$146$1,74711%12
Cleaning Services$182$2,189-12%20
Construction & Contracting$193$2,317-18%23
Consulting Services$104$1,24436%5
Education$124$1,48824%7
Financial Services$94$1,12343%2
Fitness Services$103$1,24037%4
Food & Beverage$181$2,175-11%19
Healthcare & Medical$133$1,59818%10
Hospitality, Travel & Tourism$192$2,298-17%22
Manufacturing$189$2,266-16%21
Marketing & Communications$89$1,06845%1
Nonprofit & Associations$158$1,8973%13
Other Professional Services$214$2,570-31%24
Pet Care Services$143$1,71512%11
Real Estate & Property Services$128$1,54021%9
Recreation & Sports$159$1,9112%15
Repair & Maintenance$176$2,115-8%17
Retail & Product Rental$164$1,969-1%16
Tech/IT$123$1,47825%6
Transportation & Logistics$349$4,188-114%25
Wholesale & Distribution$177$2,126-9%18

Check out our dedicated cost guides below for your industry for more depth and personalized answers.

Average Commercial Auto Insurance Costs by State

State is the fourth pricing factor for commercial auto insurance because local regulations, medical costs, litigation activity and claim settlement patterns differ across markets. Monthly rates for minimum coverage range from $79 in Pennsylvania to $312 in Michigan for identical base coverage, a gap of $233 per month driven entirely by geography.

States fall into three pricing tiers based on their difference from the national average:

  • Lower-Cost States (20%+ Below National Average): Ten states fall into this tier (20%) including Pennsylvania, Hawaii, Vermont, Iowa, Idaho, New Hampshire, Wisconsin, North Dakota, New Mexico and Montana.
  • Mid-Cost States (Within 20% of National Average): Thirty states/territories (59%) fall within 20% of the national average in either direction including Delaware, Alabama, Nebraska, Wyoming, Kansas, Tennessee, Oklahoma, Arkansas, Utah, Arizona, West Virginia, Kentucky, Mississippi, Georgia, Washington, Indiana, Oregon, South Carolina, Ohio, Minnesota, North Carolina, Nevada, Colorado, Virginia, Louisiana, Illinois, Maine, South Dakota, Missouri and Connecticut.
  • Higher-Cost States (More Than 20% Above National Average): Eleven states and territories exceed the national average by a large margin (21%) including Maryland, Rhode Island, Massachusetts, California, New Jersey, New York, Texas , Washington, D.C., Florida, Alaska and Michigan.

This distribution is the most normalized with most states landing towards the middle of the spectrum. Pennsylvania, Vermont, Iowa and Hawaii stand out with rates 40% or further under national benchmarks. On the other end Florida, Alaska sit 40% or higher cost wise with Michigan by far sporting the largest rates (being 25% higher than the national average compared to the next most expensive state).

Data filtered by:
Select
Pennsylvania$79$94752%1
Hawaii$86$1,02947%2
Vermont$92$1,09844%3
Iowa$97$1,16940%4
Idaho$106$1,26635%5
New Hampshire$115$1,38129%6
Wisconsin$119$1,42727%7
North Dakota$128$1,53722%8
New Mexico$130$1,56220%9
Montana$131$1,57420%10
Delaware$133$1,59419%11
Alabama$135$1,61418%12
Nebraska$135$1,62317%13
Wyoming$140$1,68414%14
Kansas$142$1,70013%15
Tennessee$145$1,73911%16
Oklahoma$145$1,74311%17
Arkansas$146$1,75011%18
Utah$147$1,76310%19
Arizona$149$1,7839%20
West Virginia$152$1,8197%21
Kentucky$155$1,8555%22
Mississippi$155$1,8565%23
Georgia$156$1,8665%24
Washington$157$1,8814%25
Indiana$157$1,8814%26
Oregon$158$1,8933%27
South Carolina$158$1,9013%28
Ohio$160$1,9252%29
Minnesota$161$1,9341%30
North Carolina$164$1,9650%31
Nevada$167$2,000-2%32
Colorado$167$2,004-2%33
Virginia$173$2,071-6%34
Louisiana$179$2,153-10%35
Illinois$179$2,153-10%36
Maine$184$2,204-12%37
South Dakota$185$2,215-13%38
Missouri$185$2,221-13%39
Connecticut$193$2,321-18%40
Maryland$195$2,345-20%41
Rhode Island$201$2,408-23%42
Massachusetts$202$2,430-24%43
California$209$2,503-28%44
New Jersey$209$2,505-28%45
New York$211$2,537-29%46
Texas$220$2,644-35%47
Washington DC$224$2,694-37%48
Florida$230$2,763-41%49
Alaska$271$3,247-66%50
Michigan$312$3,746-91%51

Commercial auto insurance costs differ significantly depending on where your business operates. Explore our state guides below to see average rates in your area.

Average Commercial Auto Insurance Costs by Coverage Level

Coverage level has the biggest impact on your commercial auto premium because it sets the maximum the insurer pays per occurrence. Minimum coverage averages $163 per month, which is the national benchmark used throughout this report. Mid-level coverage adds $71 per month above that baseline, and high coverage adds $190 per month.

What Do The Coverage Categories Mean?

How to Lower Commercial Auto Insurance Costs Without Sacrificing Coverage

Adjusting the inputs insurers use to price your policy is the most direct way to reduce commercial auto premiums without cutting coverage. Taking into account long-term methods also ensure you get the lowest price, even as your business grows.

Below, we'll guide you through all of the methods available to you, so you pay the lowest commercial auto insurance costs possible today and in the future.

Quick Commercial Auto Cost-Lowering Methods

We've ranked these immediate actions by lowest financial risk and highest effectiveness in order below.

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    Provide accurate underwriting information from the start

    Small differences in how your vehicles and business are described change your rating class and premium. Use accurate annual mileage estimates, the correct vehicle use code (commercial vs. business vs. pleasure) and clear descriptions of the work your drivers do. Insurers price your policy using worst-case assumptions when information is unclear or inconsistent.

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    Compare quotes using identical coverage terms

    A lower monthly quote means nothing if the policy carries a lower liability limit or excludes hired and non-owned auto coverage. Compare commercial auto quotes across at least three providers using matching liability limits, deductibles and endorsements before choosing based on price.

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    Bundle commercial auto with your general liability or BOP policy

    Many insurers discount commercial auto when you combine it with a business owner's policy or general liability coverage. Ask for a bundled quote before comparing standalone commercial auto rates. Use our commercial auto insurance cost benchmarks to verify whether your bundled quote reflects a genuine discount against the $163 per month national average.

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    Pay annually instead of monthly

    Annual payments eliminate installment fees and often carry small discounts since the insurer receives the full premium upfront. This saves roughly 5% to 10% compared to monthly payment plans, though you'll need the full annual amount available at policy inception.

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    Raise deductibles on physical damage coverage if your fleet has a clean history

    Increasing comprehensive and collision deductibles from $500 to $1,000 reduces the physical damage portion of your premium by 15% to 25% on average. This works best for fleets with no claims in two or more years and enough cash reserves to cover the higher out-of-pocket cost after an incident.

Long-Term Commercial Auto Cost-Lowering Methods

Long-term cost reductions come from changing how insurers assess your fleet's risk at each annual renewal. These strategies take longer to produce results than immediate adjustments but generate compounding savings across multiple policy terms as your claims history and driver data improve.

Commercial Auto Insurance Cost: Bottom Line

Commercial auto insurance costs vary widely because insurers price your specific fleet risk, not a generic vehicle category. Your premium moves most based on coverage level, vehicle type, industry classification and state. The $163 per month figure is a market-wide starting point for minimum coverage, not a quote for your specific fleet.

Apply this report by working through three questions in order:

  1. Where do you fall compared to the national average?: Consider vehicle type, industry and state together. A sedan-based marketing business in Pennsylvania carries a very different cost baseline than a van-based cleaning service in Michigan.
  2. What is driving your cost?: Separate baseline risk factors (vehicle type, industry, state) from coverage design choices (liability limits, deductibles, endorsements). Knowing which is which shows where you have room to adjust.
  3. What would change your price?: Coverage level is the single largest controllable lever. Bundling, telematics enrollment and accurate underwriting details each produce measurable reductions when conditions are right.

Frame your premium this way to evaluate quotes against your actual fleet risk profile, not just the national average.

Commercial Auto Insurance Cost: Next Steps

Your next move depends on where you are in the decision process. Start with provider resources if you're ready to compare rates and request quotes. Coverage resources come first if you want to confirm what your policy needs to include before pricing it out.

Use these resources to narrow your provider shortlist and compare commercial auto rates:

Apply your vehicle type, industry and state from this report to set rate expectations before requesting quotes. Providing consistent details across all providers gives you a clean baseline to identify whether you're being priced fairly for your specific fleet profile.

If you want to learn about costs from other coverage types

If you want to explore other types of business insurance:

If you want to learn more about commercial auto insurance coverage

About Connor Bolton

Connor Bolton headshot

Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.

Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.

Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.

He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.

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