Commercial Auto Insurance Calculator
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About Commercial Auto Insurance
Commercial auto insurance covers vehicles used for business purposes — delivery trucks, service vans, company cars, and heavy equipment. Personal auto policies explicitly exclude business use, so any vehicle used to transport goods, equipment, or clients for work purposes needs a commercial policy. Coverage includes liability (for injuries or damage you cause), collision, comprehensive, and uninsured motorist protection. Premiums are influenced by vehicle type, annual mileage, driver age and record, and the nature of the work. Fleets of 5 or more vehicles often qualify for fleet discounts. Young drivers (under 25) significantly increase premiums due to higher accident rates.
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Frequently Asked Questions
Do I need commercial auto if I use my personal car for work?
If you regularly use your personal vehicle for business purposes — beyond commuting — you likely need commercial auto or at minimum a business use endorsement on your personal policy. Delivering goods or transporting clients requires commercial coverage.
What is hired and non-owned auto insurance?
Hired and non-owned auto (HNOA) insurance covers liability when employees use personal vehicles or rented vehicles for business. It fills the gap when no company-owned vehicle is involved but business use still occurs.
How does mileage affect commercial auto premiums?
Higher mileage means more time on the road and greater exposure to accidents. Vehicles driven under 10,000 miles per year often qualify for low-mileage discounts, while high-mileage fleets pay more.
What commercial auto coverage limits do I need?
State minimums are typically $100,000–$300,000 in liability, but most businesses should carry at least $1 million combined single limit. Trucking and freight businesses often need $750,000–$1 million federally required minimums.
Can I get fleet discounts for multiple vehicles?
Yes, most insurers offer fleet pricing for 5 or more vehicles. Fleet programs also allow you to add or remove vehicles mid-term and often include telematics-based discounts for safe driving.
Results are estimates only. Actual premiums depend on underwriting factors specific to your business. Consult a licensed insurance professional for an accurate quote.