Progressive Commercial earned our top commercial auto insurance spot by balancing low rates with strong coverage options for snowplows. 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 shows how each provider scores across the factors that affect your bottom line:
Best Snowplow Insurance
With rates starting at $797 per month, the best cheap snowplow insurance is offered by NEXT, The Hartford and Nationwide.
Get matched to top snowplow insurance providers below with MoneyGeek's matching tool.
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Updated: September 10, 2026
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Best Commercial Snowplow Insurance Companies
| Progressive Commercial | 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 |
MoneyGeek scored commercial snowplow 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.
Read our methodology for more information.
Progressive
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
Cheapest Commercial Snowplow Insurance Companies
Progressive Commercial offers the cheapest commercial auto rates in 31 states for snowplows, with prices starting at $507 per month in Maine. The Hartford leads 11 states, Nationwide is best in five Midwestern markets and GEICO is cheapest in Maryland and New Jersey.
Data filtered by:
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| Alabama | The Hartford | $614 |
| Alaska | Progressive Commercial | $729 |
| Arizona | Progressive Commercial | $788 |
| Arkansas | The Hartford | $657 |
| California | Progressive Commercial | $904 |
| Colorado | Progressive Commercial | $838 |
| Connecticut | Progressive Commercial | $885 |
| Delaware | The Hartford | $735 |
| Florida | Progressive Commercial | $995 |
| Georgia | Progressive Commercial | $703 |
| Hawaii | Progressive Commercial | $590 |
| Idaho | Progressive Commercial | $545 |
| Illinois | Progressive Commercial | $847 |
| Indiana | Progressive Commercial | $674 |
| Iowa | Nationwide | $579 |
| Kentucky | The Hartford | $686 |
| Louisiana | The Hartford | $1,079 |
| Maine | Progressive Commercial | $507 |
| Maryland | GEICO | $849 |
| Massachusetts | Progressive Commercial | $872 |
| Michigan | Progressive Commercial | $935 |
| Minnesota | Progressive Commercial | $779 |
| Mississippi | Progressive Commercial | $657 |
| Missouri | Progressive Commercial | $839 |
| Montana | The Hartford | $638 |
| Nebraska | Nationwide | $610 |
| Nevada | Progressive Commercial | $778 |
| New Hampshire | Progressive Commercial | $521 |
| New Jersey | GEICO | $923 |
| New Mexico | Progressive Commercial | $727 |
| New York | Progressive Commercial | $1,158 |
| North Carolina | Progressive Commercial | $629 |
| North Dakota | The Hartford | $572 |
| Ohio | Progressive Commercial | $700 |
| Oklahoma | The Hartford | $637 |
| Oregon | Progressive Commercial | $744 |
| Pennsylvania | Progressive Commercial | $787 |
| Rhode Island | Progressive Commercial | $914 |
| South Carolina | Progressive Commercial | $711 |
| South Dakota | Nationwide | $789 |
| Tennessee | The Hartford | $753 |
| Texas | Progressive Commercial | $851 |
| Utah | Progressive Commercial | $595 |
| Vermont | Nationwide | $524 |
| Virginia | Progressive Commercial | $718 |
| Washington | Progressive Commercial | $890 |
| West Virginia | The Hartford | $706 |
| Wisconsin | Nationwide | $667 |
| Wyoming | The Hartford | $643 |
How Much Does Commercial Snowplow Insurance Cost on Average?
Commercial auto insurance costs for snowplows average $866 monthly ($10,397 yearly) nationally for 100/300/100 liability with $1,000 deductibles. Your actual cost depends heavily on where you operate. Maine averages $565 monthly while New York is $1,320 monthly, 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 |
Factors That Affect Commercial Snowplow Insurance Costs
Several factors affect your commercial snowplow insurance premium. Location is largely out of your control, but deductible levels, fleet size and safety equipment give you room to negotiate better rates.
Vehicle Type and ConfigurationDedicated plow trucks and front-end loaders cost more to insure than pickup trucks with plow attachments. Higher payload capacity means higher premiums for larger vehicles, due to increased damage potential in accidents. Discounts go to trucks with backup cameras and safety features.
Plow Equipment ValueA 10-foot commercial blade costs more to insure than a standard 7-foot blade on a pickup. Replacement costs for the plow assembly, hydraulics and mounting hardware factor into what insurers charge. When pricing your snowplow business insurance, expensive plow setups may need equipment floaters or inland marine coverage.
Geographic RegionMaine operators pay $565 a month for identical coverage that costs New York businesses $1,320 a month. Premium snowplow liability insurance rates come from high-litigation states. Congested urban plowing areas increase exposure compared to rural residential routes.
Contract TypeHigher liability limits apply to commercial and municipal contracts than to residential driveways. More slip-and-fall claims come from shopping centers and parking lots than from neighborhood driveways. Minimum coverage requirements show up in client contracts in many cases.
Salting and De-Icing ServicesLiability exposure goes up when you add salt spreading or chemical de-icing. Slip-and-fall claims arise if treated surfaces refreeze or application is uneven. General liability coverage, in addition to commercial auto, becomes necessary if you offer these services.
Seasonal vs. Year-Round OperationsSeasonal rating (which lowers premiums) is available to operators who plow only during winter months (November through March). Year-round policies cost more but give you continuous coverage. Ask insurers about seasonal options when quoting.
Fleet SizeFleet discounts save 5% to 10% per vehicle when you insure two to five plow trucks. Single-truck owner-operators pay the highest per-vehicle rates. Fleets with clean claims history qualify for additional reductions.
Driving HistoryFor three to five years, one at-fault accident raises premiums 20% to 40%. Insurers review MVRs and look back three to five years for violations. Preferred rates go to operators with clean driving records across the board.
Commercial Snowplow Insurance Requirements
Pickups with blade attachments and heavy-duty dump trucks with front plows both fall under the snowplow truck category. Your commercial auto coverage requirements are as follows.
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 |
How to Get the Best Cheap Commercial Snowplow Insurance
Getting commercial snowplow insurance takes about 30 minutes if you have your information ready. Review the process:
- 1Gather Your Information
Vehicle identification numbers (VINs), driver's license numbers for all operators, your business EIN or Social Security number and details on your plow equipment are what to collect before requesting quotes. Have your current insurance declarations page ready if you're switching providers.
- 2Request Quotes Online or By Phone
Progressive Commercial, The Hartford or Nationwide's commercial auto pages are where to start, selecting "snow plow" or "contractor" as your business type. Your vehicle and driver information, coverage limits (start with 100/300/100) and deductible preferences all need entering. Most online applications take 10 to 15 minutes.
- 3Review Coverage and Exclusions
Quotes should be compared a side by side. Check that liability limits meet your contract requirements, physical damage coverage matches your truck's value and the policy covers your plow equipment. If you offer salt spreading or de-icing, ask about exclusions for those services.
- 4Provide Additional Documentation
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 may all get requested by insurers.
- 5Pay and Receive Your Policy
Once approved, pay your deposit (the first month plus fees, in most cases) or the full annual premium for a discount. Your policy documents, insurance cards and certificate of insurance arrive within 24 to 48 hours. Some insurers, like Progressive Commercial, issue same-day coverage.
- 6Add Certificate Holders
If your contracts require it, request certificates of insurance naming your clients as additional insureds. Most insurers have these ready through an online portal or within one business day by phone.
Snowplow Insurance: FAQ
We answer common questions snowplow operators ask about commercial auto coverage.
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.
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. Progressive Commercial offers the cheapest rates at $797 monthly. Seasonal rating can also reduce costs if you only operate during winter months.
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.
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.
Yes, many insurers including Progressive Commercial 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.
No, personal auto insurance doesn't cover commercial snowplowing 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 Mark Flores
Mark Flores is a Business Insurance Content Writer at MoneyGeek, where he focuses on commercial auto, commercial property, cyber and specialty business insurance coverage. His work simplifies coverage terms, gives business owners a strong baseline for expected costs, and narrows down policies and providers tailored to your operation, regardless of complexity.
Before joining MoneyGeekâs business insurance team, Mark worked as a Senior Content Writer at Clutch.co, where he produced structured B2B reviews and provider analyses based on client interviews, company research and service evaluation. That experience shaped his approach to business insurance content, especially when comparing insurers, explaining coverage differences and translating complex policy features into practical guidance for small business owners.
Mark also spent nearly 4 years as a digital marketing specialist serving small-business clients across industries such as home services, manufacturing and education. That background gives him practical context for how businesses evaluate vendors, manage operational needs and make purchasing decisions.
At MoneyGeek, he applies this research and evaluation experience to build guides that help transportation sectors, those with complex property-related risks (such as hotels and retail stores), and those most at risk of a cyberattack get the coverage they need at a reasonable price.
Linkedin: https://www.linkedin.com/in/mark-jason-flores-7844634a/
Contact Email: mark.flores@moneygeek.com