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Pennsylvania Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with a Pennsylvania commercial auto policy
Many of Pennsylvania's 1.2 million small businesses need commercial auto insurance to protect against accidents and mishaps involving their vehicles. Company-owned autos typically require higher limits and specialized coverages that aren't included in a personal policy.
Over 1.2 million small business owners across the nation trust us to protect their vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they operate a courier service in Philadelphia or a food truck in Pittsburgh.
Start a quote with Progressive Commercial and learn more about your commercial auto insurance options in Pennsylvania.
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.
Pennsylvania commercial auto insurance for a variety of business types
Business auto
Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually require commercial auto insurance. Personal auto insurance typically doesn't cover vehicles used for work purposes.
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Contractors
Contractors need commercial auto coverage for things like transporting various tools and supplies and traveling between job sites. These are business-related activities that need the additional protection of a commercial policy.
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Food truck
Food trucks and other food service businesses, like restaurants and ice cream vendors, depend on their commercial vehicles to operate. Most food trucks have expensive equipment attached to them that a commercial auto policy can cover.
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For-hire livery
Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some cars used for ridesharing 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 Pennsylvania.
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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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Pennsylvania 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:
Profession
Some industries face more risk than others. A handyman who carries tools and equipment to various job sites every day can expect to pay more than an insurance agent who drives to client meetings a few times a week.
Vehicle
Your vehicle's size and use affect your rate. A large tow truck that uses heavy equipment to move vehicles will probably have a higher premium than a small pickup truck used for property maintenance at an apartment complex.
Driving history
Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Accidents or violations within the past three years will usually result in a higher rate.
Location
It's common to pay more for commercial auto coverage in a large city like Pittsburgh than in a smaller city like Erie. Keep in mind, prices are usually higher in places with more claims or expensive settlements. Areas prone to weather-related events, such as tornadoes and flooding, can also factor into your rate.
Travel radius
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Philadelphia's city limits is considered lower risk than a vehicle with a regional route that covers Eastern Pennsylvania.
Coverage needs
The amount of coverage you need will influence your premium. Policyholders with the Pennsylvania state minimum limits of 15/30/5 will typically pay less than a policyholder needing a combined single limit of $1 million.
Understanding Pennsylvania's commercial auto insurance split limit
Pennsylvania's state minimum liability limit — 15/30/5 — is called a split limit. It separates maximum payout by your insurer for bodily injury and property damage into three groups:
- $15,000 for each person injured in an accident
- $30,000 for all people injured in an accident
- $5,000 for all property damaged in an accident
With the state's minimum limits, your policy will pay up to these amounts if you're at-fault for 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 PA.
Pennsylvania commercial auto insurance requirements
State law mandates a minimum liability limit of $15,000 per person, $30,000 per accident for bodily injury, and $5,000 for property damage on all PA commercial auto policies. Some businesses will need to have more coverage based on the types of vehicles they insure.
Pennsylvania is considered a no-fault state and requires first-party medical benefits, often called personal injury protection. This coverage pays medical expenses for you and your passengers if you're injured in an accident involving your commercial vehicle. The state minimum is $5,000, but you can choose a higher limit for more protection.
Motor carriers with a U.S. Department of Transportation (USDOT) number will have different coverage rules. For example, federal law sets minimum liability at $750,000 for motor carriers. See more about commercial truck insurance in Pennsylvania.
Pennsylvania commercial auto resources:
- Pennsylvania Auto Insurance Guide (PA Insurance Department)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in PA
Pennsylvania businesses that use company vehicles should have commercial auto insurance to protect them from claims. The following professions should consider auto coverage:
- Cleaning services
- Contractors
- Snow plow services
- Pizza delivery
- Real estate agents
- Food trucks
- Landscapers
- Electricians
- Bakeries
- Consultants
Browse more professions we insure.
Get Pennsylvania commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* insuring 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. You can also service your policy online anytime.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast.
Discounts†
Save 10% or more when you pay in full on commercial auto insurance, and take advantage of our other commercial auto discounts to get an affordable rate for your Pennsylvania policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, workers' compensation, and more.
Commercial auto insurance anywhere in Pennsylvania
We offer Pennsylvania commercial auto insurance statewide, including these major cities:
- Philadelphia
- Scranton
- Allentown
- Reading
- Levittown
- Pittsburgh
- Bethlehem
- Erie
- Lancaster
- Harrisburg
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