How much is commercial auto insurance?

Commercial auto insurance costs $203 to $276 a month per vehicle in 2026. What changes your price is below.

Progressive Commercial, the biggest commercial auto insurer in the US, says its new 2025 business auto customers paid a median of $207 a month per vehicle, with an average of $276. Contractors paid a median of $203 and an average of $260. For hire transport trucks averaged $926 a month.

Estimate your commercial auto insurance cost

Pick what you need and add your ZIP. The price updates as you go. Got a price already? Check it in the last step.

1Which one do you need?

2Vehicles

3What is your ZIP?

ZIP code

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4Got a price?

Quote amount

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Is this price fair?

A fair price is $205 to $260.

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Low$230High

Your estimateUS average

$205to$260

Middle of the range: $230

$0$180$360

Normal range Middle

What you are paying for

Contractor vehicleMedian. US range for this job.$205 to $260

One van or pickupVehicles.Base price

US averageLocal prices not added yet.US price

Middle of rangeHalfway between low and high.$230

How we calculate this

Prices are for the United States in 2026 from published cost guides, checked September 2026. This is an estimate, not a quote.

Middle $230$205 to $260

How much does commercial auto insurance cost by business type?

Business auto, median (cleaners, shops, restaurants)	$207 a month (Progressive, 2025).
Business auto, average	$276 a month.
Contractors, median	$203 a month.
Contractors, average	$260 a month.
For hire transport trucks, average	$926 a month.
Insureon average, 2026	$245 a month (via QuoteSweep).

What pushes a quote up

Vehicle type	Big trucks cost the most.
Drivers	Driving records are checked for 3 to 5 years.
Use	Daily job site trips cost more than errands.
Limits	Higher liability limits cost more.
Location	Busy cities cost more.

Commercial auto insurance cost by region

Lower cost states	$160 to $220. Alabama, Arkansas, Indiana, Iowa, Kansas, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, West Virginia and most rural areas.
Average cost states	$203 to $276. Arizona, Florida, Georgia, Michigan, North Carolina, Ohio, Pennsylvania, Texas, Virginia and most mid size cities.
Higher cost states	$265 to $350. California, Connecticut, Hawaii, Massachusetts, New Jersey, New York, Washington, plus big metros such as Chicago, Denver and Washington DC.

These rows are our estimate. We took the typical national range and adjusted it for local labor costs, which run about 20 percent lower in the cheapest states and about 30 percent higher in the dearest ones. City traffic and state rules change the price.

Median or average

QuoteSweep notes sources disagree, and the vehicle matters more than any headline number. The median is the better guide for a normal van or pickup, because a few trucking and for hire vehicles pull the average up.

Progressive's figures are per vehicle for new customers with clean records, for liability plus physical damage cover.

Do you need it?

A personal auto policy often will not cover a vehicle used mainly for work, like hauling tools or making deliveries. Ask your insurer before you rely on personal cover.

How to judge the quote in your hand

Ask the price per vehicle.
Ask which drivers are listed.
Ask the liability limits.
Ask if tools and gear inside are covered.
Ask about hired and non owned auto cover.

Ways to pay less

Hire drivers with clean records.
Raise the deductible if you can afford it.
Bundle with your other business policies.
Use GPS or safety tracking for discounts.
Get 3 quotes.

Before you decide

A worked example

Say a plumbing company runs 3 vans at about $220 a month each. That is $660 a month, or about $7,900 a year. One new driver with two tickets could raise that van's price a lot, so check records before you hire.

This page is price information, not insurance or legal advice. Rules on required coverage differ by state and by contract.