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North Carolina Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with commercial auto insurance in North Carolina
North Carolina's 1.1 million small businesses are the heartbeat of the economy. If your work depends on a car, van, or truck, having the right protection matters. Commercial auto insurance can protect against work-related accidents and unexpected events. Personal auto policies don't cover the unique risks a business faces, which is why you need customized coverage.
More than 1.2 million small business owners across the nation trust us to protect their vehicles and livelihoods. We can help you find a policy that works for you, whether you're a wholesale distributor with several delivery vans in Asheville or a real estate broker with company cars in Greensboro.
Start a quote with Progressive Commercial and learn more about your commercial auto insurance options in North Carolina.
Trusted by over 1.2 million small businesses across the country
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Industry Leader
#1 in America*
Trust your vehicles to the top commercial auto and truck insurer.
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Customers
1.2 million+ nationwide
People nationwide count on us for their commercial auto needs.
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Experience
50+ years
Supporting small business owners for over half a century.
North Carolina commercial auto insurance for a variety of business types
Business auto
Vehicles driven by employees or used for work, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance typically won't cover vehicles used for business purposes.
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Contractors
Contractors use their vehicles for transporting various tools and traveling between job sites. These kinds of business-related activities need the additional protection of a commercial policy.
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Food truck
Food trucks, ice cream vendors, and restaurants rely on commercial auto coverage to protect their business on the road. It covers your truck and any attached cooking equipment, so you can keep serving customers without worry.
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For-hire livery
Most vehicles used to transport people for a fee need a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing vehicles might require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nation,Δ protecting everything from dump trucks to semi tractors. Our network of truck repair shops and specialty claims services is accessible whether you're driving locally or outside of North Carolina.
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Tow truck
We offer protection whether you own a wrecker, rollback, or roadside repair vehicle. You can add specialty tow coverages like on-hook and garagekeepers legal liability to protect you when a customer's vehicle is in your possession.
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North Carolina commercial auto insurance cost
The national average monthly cost for commercial auto insurance through Progressive Commercial in 2025 was $260 for contractors and $276 for business auto customers.‡‡ Keep in mind that your costs will vary based on your eligibility for available auto insurance discounts and the following factors that influence your NC commercial auto policy premium:
Profession
What you do for work can affect your commercial auto insurance rate. When evaluating your overall risk, insurers look at how often you're on the road. A contractor who carries tools and equipment to various job sites every day can expect to pay more than a photographer who travels to a single destination.
Vehicle
Your vehicle's size and use affect your rate. A heavy food truck with a grill and a deep fryer will likely have a higher premium than a small bakery delivery van with minimal equipment.
Driving history
A clean driving history with no accidents or violations can help you save on your cost. Insurers usually check the past three years of driving records for everyone listed on your policy when setting your rate.
Location
Businesses in large cities like Raleigh will typically see higher premiums than smaller cities like Greenville. Auto insurance rates are usually higher in places that experience more claims and higher settlements. The frequency of weather-related events, such as hurricanes, floods and wildfires, can also be a factor.
Travel radius
How far you routinely travel can affect your commercial auto rate. A local route within Charlotte's city limits is considered lower risk than a regional route that covers the entire Piedmont region.
Coverage needs
The amount of coverage you need affects your premium. Policyholders who carry the North Carolina state minimum limits of 50/100/50 will typically pay less than a business that chooses more protection with a higher $1 million limit.
Understanding North Carolina's commercial auto insurance split limits
North Carolina's state minimum liability limit — 50/100/50 — is called a split limit. It separates the maximum payout by your insurer per accident into three groups:
- $50,000 for each person injured in an accident
- $100,000 for all people injured in an accident
- $50,000 for all property damaged in an accident
Learn more about liability coverage, and then start a quote with us today to learn more about coverage limits and other available options for commercial auto insurance in NC.
North Carolina commercial auto insurance requirements
All commercial auto policies in NC must have minimum liability limits of $50,000 per person, $100,000 per accident for bodily injury, and $50,000 for property damage. Some policies are required to carry higher limits based on the types of vehicles they insure.
All North Carolina vehicles must also have uninsured motorist (UM)/underinsured motorist (UIM) coverage, which helps pay for medical expenses that result from injuries caused by an uninsured driver or a hit-and-run situation.
North Carolina commercial auto resources:
- Auto and Vehicle Insurance (NC Department of Insurance)
- Commercial Auto and Business Insurance Resources (NC Department of Insurance)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in NC
- Contractors
- Food trucks
- Cleaning services
- Landscapers
- Real estate agents
- Pizza delivery
- Bakeries
- Rideshare
- Church and religious organizations
- Non-emergency medical transport
Browse more examples of professions we insure.
Get North Carolina commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* covering more than 2.3 million commercial vehicles. Here are a few of the many reasons small business owners trust us:
Expert policy service by phone or online
Our expert customer service representatives are available 24 hours a day on weekdays and between 6:30 a.m. and 2 a.m. on weekends. If you want to adjust your policy, request an insurance certificate, or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast after an accident.
Discounts†
Save 10% or more when you pay in full on commercial auto insurance, and take advantage of our commercial auto discounts to get an affordable rate for your North Carolina policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, cyber insurance, and more.
Commercial auto insurance anywhere in North Carolina
We offer commercial auto insurance from Charlotte to the rest of North Carolina:
- Charlotte
- Fayetteville
- Greensboro
- Winston-Salem
- High Point
- Raleigh
- Cary
- Durham
- Wilmington
- Concord
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