ERGO NEXT earned our top spot by balancing low rates with strong coverage options. The Hartford costs $57 more per month but ranks first in customer experience, which matters when you need fast claims resolution during a busy storm season. The table below breaks down how each provider scores across the factors that affect your bottom line.
Best Cheap Snow Plow Insurance (2026 Picks)
With rates starting at $797/mo, the best cheap snow plow insurance is offered by NEXT Insurance, The Hartford and Nationwide.
Get matched to top snow plow insurance providers below.
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Updated: February 1, 2026
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Commercial Snow Plow Insurance: Key Takeaways
ERGO NEXT ranks best overall with a 4.62 score and 4.99 coverage rating due to superior affordability and fast digital quotes for seasonal operators and small fleets.
ERGO NEXT is also the cheapest at $797/month ($9,568 annually) for 100/300/100 liability coverage with $1,000 deductibles, saving $719/year versus the provider average.
Commercial snow plow insurance averages $866/month ($10,397 annually) for plow operators, ranging from $565/month in Maine to $1,320/month in New York.
Compare quotes from at least three insurers and stack discounts (paid-in-full, multi-vehicle, bundling) to save 15-25% on your coverage.
MoneyGeek scored commercial snow plow insurance providers across three weighted factors: Affordability (40%), Customer Experience (30%) and Coverage & Terms (30%). We analyzed 100/300/100 liability quotes with $1,000 deductibles for comprehensive and collision from five major insurers across 49 states. Affordability scores compare each provider's rates against market averages. Customer experience reflects claims handling, agent support and policyholder satisfaction. Coverage scores evaluate policy terms, endorsement options and coverage flexibility.
Best Cheap Commercial Snow Plow Insurance Companies
| ERGO NEXT | 4.62 | $797 | 4.27 | 4.99 |
| The Hartford | 4.57 | $854 | 4.6 | 4.96 |
| Nationwide | 4.32 | $886 | 4.4 | 4.38 |
| biBERK | 4.3 | $1,011 | 4.32 | 4.77 |
| GEICO | 4.17 | $885 | 4.06 | 4.19 |
Data Source
MoneyGeek analysis of 100/300/100 liability coverage with $1,000 deductibles from five insurers, November 2025. Scores reflect affordability, customer experience and coverage. Rates are national averages; your costs vary by location, driving record and operations.
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Best Commercial Snow Plow Insurance by State
The best insurer varies by location because carriers price risk differently across regions. ERGO NEXT leads in 31 states, The Hartford wins 11 and Nationwide takes 5 Midwestern markets. Look up your state to see which company offers the strongest combination of price, service and coverage where you operate.
| Alabama | The Hartford | $614 | 4.96 | 4.59 |
| Alaska | ERGO NEXT | $729 | 4.99 | 4.27 |
| Arizona | ERGO NEXT | $788 | 4.99 | 4.27 |
| Arkansas | The Hartford | $657 | 4.96 | 4.59 |
| California | ERGO NEXT | $904 | 5.00 | 4.27 |
| Colorado | ERGO NEXT | $838 | 4.99 | 4.27 |
| Connecticut | ERGO NEXT | $885 | 4.99 | 4.27 |
| Delaware | The Hartford | $735 | 4.96 | 4.59 |
| Florida | ERGO NEXT | $995 | 4.99 | 4.27 |
| Georgia | ERGO NEXT | $703 | 4.99 | 4.27 |
| Hawaii | ERGO NEXT | $590 | 4.99 | 4.27 |
| Idaho | ERGO NEXT | $545 | 4.99 | 4.27 |
| Illinois | ERGO NEXT | $847 | 4.99 | 4.27 |
| Indiana | ERGO NEXT | $674 | 4.99 | 4.27 |
| Iowa | Nationwide | $579 | 4.44 | 4.48 |
| Kentucky | The Hartford | $686 | 4.96 | 4.59 |
| Louisiana | The Hartford | $1,079 | 4.96 | 4.59 |
| Maine | ERGO NEXT | $507 | 4.99 | 4.27 |
| Maryland | GEICO | $849 | 4.19 | 4.11 |
| Massachusetts | ERGO NEXT | $872 | 4.99 | 4.27 |
| Michigan | ERGO NEXT | $935 | 4.99 | 4.27 |
| Minnesota | ERGO NEXT | $779 | 4.99 | 4.27 |
| Mississippi | ERGO NEXT | $657 | 4.99 | 4.27 |
| Missouri | ERGO NEXT | $839 | 4.99 | 4.27 |
| Montana | The Hartford | $638 | 4.96 | 4.59 |
| Nebraska | Nationwide | $610 | 4.38 | 4.47 |
| Nevada | ERGO NEXT | $778 | 4.99 | 4.27 |
| New Hampshire | ERGO NEXT | $521 | 4.99 | 4.27 |
| New Jersey | GEICO | $923 | 4.19 | 4.06 |
| New Mexico | ERGO NEXT | $727 | 4.99 | 4.27 |
| New York | ERGO NEXT | $1,158 | 4.99 | 4.27 |
| North Carolina | ERGO NEXT | $629 | 4.99 | 4.27 |
| North Dakota | The Hartford | $572 | 4.96 | 4.59 |
| Ohio | ERGO NEXT | $700 | 4.99 | 4.27 |
| Oklahoma | The Hartford | $637 | 4.96 | 4.59 |
| Oregon | ERGO NEXT | $744 | 4.99 | 4.27 |
| Pennsylvania | ERGO NEXT | $787 | 4.99 | 4.27 |
| Rhode Island | ERGO NEXT | $914 | 4.99 | 4.27 |
| South Carolina | ERGO NEXT | $711 | 4.99 | 4.27 |
| South Dakota | Nationwide | $789 | 4.38 | 4.39 |
| Tennessee | The Hartford | $753 | 4.96 | 4.59 |
| Texas | ERGO NEXT | $851 | 4.99 | 4.27 |
| Utah | ERGO NEXT | $595 | 4.99 | 4.27 |
| Vermont | Nationwide | $524 | 4.38 | 4.39 |
| Virginia | ERGO NEXT | $718 | 4.99 | 4.27 |
| Washington | ERGO NEXT | $890 | 4.99 | 4.27 |
| West Virginia | The Hartford | $706 | 4.96 | 4.59 |
| Wisconsin | Nationwide | $667 | 4.38 | 4.45 |
| Wyoming | The Hartford | $643 | 4.96 | 4.59 |
Data Source
Best company determined by highest Overall Score per state. Scores reflect affordability, customer experience and coverage. MoneyGeek analysis, November 2025.
ERGO NEXT
MoneyGeek Rating
4.6/ 5
4.7/5Affordability
4.3/5Customer Experience
5/5Coverage Points
Average Cost
$797/monthlyOur Survey: Claims Process
3.9/5Our Survey: Likely to Recommend
4.8/5
The Hartford
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.6/5Customer Experience
5/5Coverage Points
Average Cost
$854/monthlyOur Survey: Claims Process
4.5/5Our Survey: Likely to Recommend
4.5/5
About These Reviews
Our provider evaluations are based on rate analysis, customer surveys, coverage options, and financial stability. Rates shown are national averages. Contact each insurer directly for personalized quotes and to verify current coverage availability in your state.
Cheapest Commercial Snow Plow Insurance Companies
ERGO NEXT offers the cheapest rates in 31 states, with prices starting at $507/month in Maine. The Hartford leads 11 states, Nationwide wins 5 Midwestern markets and GEICO captures Maryland and New Jersey. Find your state below to see which provider offers the lowest premium where you operate.
Data filtered by:
Alabama
| Alabama | The Hartford | $614 |
Data Source
Cheapest provider determined by lowest monthly premium per state. Rates for 100/300/100 liability coverage with $1,000 deductibles. MoneyGeek analysis, November 2025.
How Much Does Commercial Snow Plow Insurance Cost on Average?
Commercial snow plow insurance averages $866/month ($10,397/year) nationally for 100/300/100 liability with $1,000 deductibles. Your actual cost depends heavily on where you operate. Maine averages $565/month while New York runs $1,320/month, so knowing your state's baseline helps you judge whether a quote is competitive.
Average Monthly Premium | $866 |
Average Annual Premium | $10,397 |
Lowest State (Maine) | $565/month |
Highest State (New York) | $1,320/month |
Monthly Range | $565 - $1,320 |
Data Source
Rates for 100/300/100 liability coverage with $1,000 deductibles. Averages based on five major providers. MoneyGeek analysis, November 2025.
Factors That Affect Commercial Snow Plow Insurance Costs
Understanding what drives your premium helps you ask the right questions when shopping. Some factors like location are out of your control, but others like deductible levels, fleet size and safety equipment give you leverage to negotiate better rates.
Vehicle Type and Configuration
Pickup trucks with plow attachments cost less to insure than dedicated plow trucks or front-end loaders. Larger vehicles with higher payload capacity pay higher premiums due to increased damage potential in accidents. Trucks with backup cameras and safety features qualify for discounts.
Plow Equipment Value
A standard 7-foot blade on a pickup costs less to insure than a 10-foot commercial blade. Insurers factor in replacement costs for the plow assembly, hydraulics and mounting hardware. Equipment floaters or inland marine coverage may be needed for expensive plow setups when pricing your snow plow business insurance.
Geographic Region
Maine operators pay $565/month while New York businesses pay $1,320/month for identical coverage. High-litigation states charge premium snow plow liability insurance rates. Urban plowing in congested areas increases exposure versus rural residential routes.
Contract Type
Commercial and municipal contracts require higher liability limits than residential driveways. Shopping centers and parking lots expose you to more slip-and-fall claims than neighborhood driveways. Clients often specify minimum coverage requirements in contracts.
Salting and De-Icing Services
Adding salt spreading or chemical de-icing increases liability exposure. Slip-and-fall claims arise if treated surfaces refreeze or application is uneven. You'll need general liability coverage in addition to commercial auto if you offer these services.
Seasonal vs. Year-Round Operations
Operators who plow only during winter months (November through March) can get seasonal rating that lowers premiums. Year-round policies cost more but provide continuous coverage. Ask insurers about seasonal options when quoting.
Fleet Size
Insuring 2-5 plow trucks saves 5-10% per vehicle through fleet discounts. Single-truck owner-operators pay the highest per-vehicle rates. Fleets with clean claims history qualify for additional reductions.
Driving History
One at-fault accident raises premiums 20-40% for three to five years. Insurers review MVRs and look back 3-5 years for violations. Clean driving records for all operators qualify you for preferred rates.
Commercial Snow Plow Insurance Requirements
Snow plow trucks range from pickups with blade attachments to heavy-duty dump trucks with front plows. Your vehicle type determines your coverage requirements.
Pickup with plow (F-150, Ram 1500) | Under 10,000 lbs | State minimum | No | Equipment floater for plow |
Heavy-duty pickup (F-250, F-350) | 8,500 - 14,000 lbs | State minimum | No | Equipment floater, higher liability for contracts |
Medium-duty truck (F-450, F-550) | 14,000 - 19,500 lbs | $750,000 if interstate | No | Physical damage, general liability |
Dump truck with plow | 19,500+ lbs | $750,000 if interstate | Often yes | Pollution liability, higher limits |
Snow Plow-Specific Coverage Considerations
Plow operations carry unique risks that standard commercial auto doesn't always cover. Equipment floaters protect your blade, hydraulics and mounting hardware. General liability covers slip-and-fall claims if someone is injured on a surface you cleared. Operators who spread salt or de-icing chemicals need pollution liability coverage for environmental claims.
How to Get the Best Cheap Commercial Snow Plow Insurance
Getting commercial snow plow insurance takes about 30 minutes if you have your information ready. Here's the process from start to finish.
- 1Gather Your Information
Before requesting quotes, collect your vehicle identification numbers (VINs), driver's license numbers for all operators, business EIN or Social Security number, and details on your plow equipment. Have your current insurance declarations page ready if you're switching providers.
- 2Request Quotes Online or By Phone
Visit ERGO NEXT, The Hartford or Nationwide's commercial auto pages and select "snow plow" or "contractor" as your business type. Enter your vehicle and driver information, coverage limits (start with 100/300/100) and deductible preferences. Most online applications take 10-15 minutes.
- 3Review Coverage and Exclusions
Compare the quotes side by side. Check that liability limits meet your contract requirements, physical damage coverage matches your truck's value and the policy includes your plow equipment. Ask about exclusions for salt spreading or de-icing if you offer those services.
- 4Provide Additional Documentation
Insurers may request MVR (motor vehicle records) for each driver, proof of business registration, photos of your vehicles and equipment, and loss runs from your previous insurer showing your claims history.
- 5Pay and Receive Your Policy
Once approved, pay your deposit (typically first month plus fees) or full annual premium for a discount. You'll receive your policy documents, insurance cards and certificate of insurance within 24-48 hours. Some insurers like ERGO NEXT issue same-day coverage.
- 6Add Certificate Holders
If your contracts require it, request certificates of insurance naming your clients as additional insureds. Most insurers provide these through an online portal or within one business day by phone.
Snow Plow Insurance Cost: Bottom Line
ERGO NEXT offers the lowest rates at $797/month, while The Hartford provides better claims support for $57 more. Start by getting quotes from two or three providers using the same coverage limits so you can compare accurately.
For more guidance on commercial vehicle coverage:
Snow Plow Insurance: FAQ
Here are answers to common questions snow plow operators ask about commercial coverage.
What coverage do I need for commercial snow plow insurance?
You need at minimum 100/300/100 liability coverage ($100,000 per person, $300,000 per accident, $100,000 property damage) to meet most state requirements and client contracts. Add physical damage coverage for your truck if you have a loan or lease. Consider higher limits if you handle commercial contracts or work in high-traffic areas.
How can I lower my commercial snow plow insurance rates?
Lower rates by maintaining a clean driving record, increasing your deductible, bundling policies and paying annually. Installing GPS tracking and dash cameras can earn discounts. ERGO NEXT offers the cheapest rates at $797 monthly. Seasonal rating can also reduce costs if you only operate during winter months.
Why is snow plow insurance more expensive than regular commercial auto?
Snow plow operations carry higher risk due to winter driving conditions, slip-and-fall liability for cleared surfaces and equipment damage potential. Plowing often occurs during storms when accidents are more likely. The plow attachment itself can cause property damage to curbs, mailboxes and parked vehicles.
Do I need general liability insurance with snow plow coverage?
Yes, if you offer salting or de-icing services. Slip-and-fall claims from surfaces you've treated fall under general liability, not commercial auto. Most commercial clients require both policy types before signing contracts.
Can I get same-day commercial snow plow insurance coverage?
Yes, many insurers including ERGO NEXT offer same-day coverage if you complete the application and payment before business hours end. The Hartford and Nationwide may need 24 to 48 hours for processing.
Does personal auto insurance cover snow plowing?
No, personal auto insurance doesn't cover commercial snow plowing activities. Using your personal vehicle for business purposes voids coverage under a personal policy. Even occasional plowing for neighbors in exchange for payment requires commercial coverage.
About Blest Papio
Blest Papio is a Content Producer at MoneyGeek specializing in small business insurance. With five years of experience in insurance and finance writing and hands-on perspective as a former business counselor, he understands the risks that come with running a business and what it takes to protect against them.
Blest focuses on commercial auto, cyber, property and specialty business insurance. He digs deep into policy details, regulations and provider offerings so businesses can find the coverage they need and avoid financial fallout. His goal is to translate technical insurance language and insurer offerings into guides you can act on.
Whether you're insuring company vehicles, managing cyber liability or protecting your commercial property, Blest aims to guide you through your risks to help you find coverage you truly need, not sell you a policy.