How much is commercial auto insurance?
In 2025, the national average monthly cost for commercial auto insurance through Progressive Commercial ranged from $260 for contractor autos to $926 for for-hire transport trucks.‡‡ Your rate can vary based on several factors, including driving history, coverage needs, and profession. In other words, your cost is unique to you.
Progressive Commercial is the #1 commercial auto insurer in America.* We'll help customize your policy so you can get the right coverage at a competitive rate. See how your business type can affect your commercial auto insurance cost, and start a quote to learn what you'll pay.
Average cost of commercial auto insurance by business type
Business auto
Average monthly rate: $276‡‡
Business auto insurance covers vehicles used for work like cars, SUVs, small trucks, and vans. Some professions that need coverage include cleaning services, restaurants, and consultants.
Business auto insurance typically costs more than a personal auto policy because it applies to both work-related driving and personal use. For many small business owners, that broader protection can make commercial auto insurance a good value.
Learn more about commercial auto insurance.
Contractors
Average monthly rate: $260‡‡
Contractors, subcontractors, and independent tradespeople often use pickup trucks, cargo vans, SUVs, and trailers to move tools and equipment between job sites.
Common professions with a contractors commercial auto policy include carpenters, electricians, landscapers, and painters.
Your rate depends on details like vehicle type and coverage choices. For example, a pickup truck with a ladder rack and permanently attached toolbox might cost more to insure than a standard truck without additional features.
Explore contractors insurance coverages and cost factors.
For-hire truck
Average monthly rate: $734–$926‡‡
The average monthly cost of commercial truck insurance varies by vehicle and load type. Truckers who transport a variety of goods typically pay more than those who specialize in moving a specific material.
For-hire specialty trucks average $734 per month to insure. These trucks tend to have a lower premium because they focus on transporting one type of good. Some examples include log haulers, gravel haulers, and garbage trucks.
For-hire transport trucks have an average monthly premium of $926. These trucks are usually heavy freight trucks, like semis, that haul various goods for others. Some examples of for-hire transport customers include general haulers, expeditors, and owner operators.
Learn more about commercial truck insurance cost and rating factors.
Tow truck
Average monthly rate: $606‡‡
Tow truck insurance covers businesses that use wreckers or rollbacks for roadside assistance or vehicle transport. Towing businesses, auto body shops, mechanics, and salvage haulers typically need this coverage.
The average monthly cost for a new tow truck insurance policy is based on standard coverages, including bodily injury, property damage, and physical damage.
Your location, towing type, and coverage all affect your rate. For example, adding additional protections, such as garagekeepers legal liability and on-hook towing, can increase your premium.
Get more information on tow truck insurance cost, coverages, and discounts.
Determining your commercial vehicle insurance rate
The average commercial auto insurance cost isn't necessarily what you'll pay. Many customers have a monthly premium closer to the median price.
Here's how average and median costs compare across common commercial auto customer types.
Commercial Customer | Median Cost | Average Cost |
Business Auto | $207/month | $276/month |
Contractors | $203/month | $260/month |
For-Hire Specialty Truck | $635/month | $734/month |
For-Hire Transport Truck | $821/month | $926/month |
Tow | $355/month | $606/month |
Factors that affect the cost of commercial auto insurance
Your rate depends on specific features of your business, including the following:
- Industry and profession
- Location
- Vehicle age and type
- Driving history
- Coverage needs
- Limits and deductibles
Find out how much you'll pay for commercial auto insurance and get a quote today.
Save on your commercial auto insurance with Progressive Commercial
Get affordable commercial auto coverage by taking advantage of commercial auto insurance discounts with Progressive Commercial to help lower your monthly premium. We offer the following ways to save:
- Prior insurance savings
- Multi-product discount
- Paid in full‡
- Snapshot ProView®
- Smart Haul® Program
If you're looking for insurance that fits the way you work, Progressive Commercial has you covered. We'll help you save and customize a policy for your business vehicles so you can stay safe on the road.
Call us or start a quote online to get your commercial auto insurance cost.
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