Average cost of commercial auto insurance
Published figures run from about $50 to $1,250 a month per vehicle, depending on who publishes them and what the vehicle does. Progressive Commercial says its new 2025 business auto policies averaged $276 a month per vehicle, with a median of $207, and its for-hire transport trucks $926. Insureon, on a page updated March 4, 2026, says its small-business customers' median policy costs $245 a month. The Hartford, updated August 27, 2026, says its customers paid about $574 a month. biBerk's undated FAQ puts smaller commuter or consultant vehicles at $600 to $1,500 a year and for-hire trucking at $5,000 to $15,000. Each figure counts a different book, so use them to test a quote, not to predict one.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
What do insurers say commercial auto insurance costs?
Of the insurers and agencies we checked, three publish a number drawn from their own customers, and each counts something different. Progressive Commercial's figures are 2025 premiums on new policies, per power unit, for liability and physical damage, on policies with no driver violations. Insureon's is the median of policies sold to its small-business customers, drawn from 100,000 owners who bought through it; the page calls that median an average. The Hartford's is what its customers paid for commercial auto, with no breakdown by vehicle or coverage. biBerk gives ranges instead, per vehicle per year, without saying what they are drawn from.
Per vehicle against per policy is the first thing to check. A three-van policy at $600 a month is $200 a van, under Progressive's business auto median; set against Insureon's $245 per policy, the same account looks expensive. Progressive also says "Many customers have a monthly premium closer to the median price," and its medians run $57 to $251 a month below its averages, so the median is the better yardstick for a single quote.
| Publisher and group | What it counts | Median | Average |
|---|---|---|---|
| Progressive, business auto | New 2025 policies, per vehicle, liability and physical damage | $207 | $276 |
| Progressive, contractors | Same basis | $203 | $260 |
| Progressive, for-hire specialty truck | Same basis | $635 | $734 |
| Progressive, for-hire transport truck | Same basis | $821 | $926 |
| Progressive, tow truck | Same basis | $355 | $606 |
| Insureon, small-business customers | Policies sold through Insureon, per policy; page updated March 4, 2026 | $245 | Not published |
| The Hartford, its customers | What customers paid, basis not stated; page updated August 27, 2026 | Not published | $574 |
| biBerk, commuter or consultant use of smaller vehicles | Range per vehicle, basis not stated; page undated | Not published | $600 to $1,500 a year |
| biBerk, for-hire trucking | Range per vehicle, basis not stated; page undated | Not published | $5,000 to $15,000 a year |
Why is my quote higher or lower than the average?
Because the rate is built from your account, not from anyone's average. Progressive says a rate "can vary based on several factors, including driving history, coverage needs, and profession," and its Utah page adds the vehicle's size and use, its location, and how far it travels: a route inside St. George's city limits is considered lower risk than one covering all of southern Utah. On drivers, it says the carrier will run a motor vehicle report on every driver with access to the vehicles and look at the past three years. Insureon names the number of vehicles, their value, their business use and the drivers' records.
Insureon's customers pay from under $375 to over $16,000 a year; 40% pay less than $200 a month and 29% pay $200 to $400; subtraction leaves 31% above $400, a share Insureon does not print itself. Equipment changes the vehicle too: Progressive says a pickup with a ladder rack and a permanently attached toolbox "might cost more to insure than a standard truck without additional features."
Limits are the other lever. Utah Code 31A-22-304 sets the floor for a policy issued or renewed on or after January 1, 2025 at $30,000 per person, $65,000 per accident and $25,000 for property damage. Progressive's Utah commercial auto page still prices the comparison from "the Utah state minimum limits of 25/65/15," which the statute applies only to policies issued or renewed on or before December 31, 2024.
How much does it cost to insure a Sprinter van?
It depends on what the van does, because the published groups sort by use, not by model. None of the insurers and agencies we checked publishes a Sprinter figure: Progressive, The Hartford, ERGO NEXT, biBerk and Insureon print none. What they do publish puts the same van in very different groups.
Progressive does not say which of its groups a Sprinter falls in, and its groups are named for what the business does, not for the vehicle model. Its business auto group covers "cars, SUVs, small trucks, and vans," and it describes contractors moving tools in "pickup trucks, cargo vans, SUVs, and trailers"; those groups averaged $276 and $260 a month per vehicle in 2025. Its for-hire transport group, which averaged $926, is "usually heavy freight trucks, like semis," though Progressive names "general haulers, expeditors, and owner operators" among its customers. Describe what the van does when you ask for a quote.
The van's value counts too; Insureon lists vehicle value next to the number of vehicles and their use. Progressive's averages count only liability and physical damage, so they say nothing about the price of cargo or tools coverage. Insureon adds that commercial trucks and trailers "usually cost more to insure than vans and sedans."
How much more does commercial auto insurance cost than personal auto?
No publisher gives a like-for-like ratio. The nearest pair comes from one company: Progressive says its liability-only personal auto policies, one vehicle and one driver, averaged $112.80 a month across its medium-cost group of states, which includes Utah; its footnote dates that to 2025, and the page body to 2024-2025. Its business auto policies averaged $276 a month per vehicle, but that figure includes physical damage and the personal one does not, so the gap is not the price of the commercial label alone.
The carriers' own explanations point to limits and coverage. Progressive says business auto "often costs more than personal auto insurance because it has higher liability limits and more coverage in case of an accident." The Hartford says commercial auto "protects you against more expensive risks and provides a higher level of coverage."
Sometimes the cheaper answer is not a commercial policy at all. The Utah Insurance Department says that if you use your vehicle for anything beyond commuting and pleasure, "you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use." Settle which of the two your driving needs before comparing prices; a personal premium that does not cover the driving you do is not a saving.
Are commercial auto rates going up, or is it just my renewal?
Both can be true. The Bureau of Labor Statistics' producer price index for commercial auto insurance stood at 128.360 in August 2021 and 148.005 in August 2026, a rise of about 15%, including 8.6% in the year to August 2025. Since then it has moved little: it printed 149.735 for every month from May to December 2025 and 148.005 from May to August 2026, the last four marked preliminary. The Council of Insurance Agents & Brokers says its members reported commercial auto premiums up 4.5% on average in the second quarter of 2026, the second-highest increase of any line, in a quarter when, by the same survey, premiums across all account sizes fell 2.0% on average.
Whatever the market did, the renewal itself shows what the carrier priced. Put it next to the expiring declarations page and check each line: vehicles and their values, drivers and their records, the radius and use the carrier has on file, limits, deductibles and coverages. Progressive says the carrier runs a motor vehicle report on all drivers with access to your business vehicles, so check that the driver list on the renewal is the one you actually run. How you pay matters as well: Progressive's Utah page says you can "Save 10% or more when you pay in full," where the discount is offered.
What to send for a quote or a renewal review
With these in hand a market can price the account as it is, and a renewal can be read line by line.
- 1.The renewal offer, if you have one, and the expiring declarations page
- 2.Each vehicle's year, make, model, VIN and value, and who holds any loan
- 3.Every driver's name, date of birth and license number
- 4.How each vehicle is used: service calls, hauling your own tools, delivery, or freight for others
- 5.Where each vehicle is garaged and the farthest trip it makes in a normal week
- 6.Any limits a contract, broker or lender has asked for, in writing
- 7.Loss runs from your current and prior insurers
- 8.Whether you want to pay in full or in installments
Is the average the price I will be quoted?
No. Progressive says its average "isn't necessarily what you'll pay" and that many customers pay closer to the median, which is lower in every group it publishes. Your quote comes from your vehicles, drivers, use, garaging and limits.
Is there a Utah average for commercial auto insurance?
None of the publishers we checked prints one. Progressive's Utah commercial auto page lists rating factors but no figure, and Insureon's state table covers ten states, none of them Utah. Progressive places Utah in its medium-cost group for personal auto only.
Why can't I see a commercial auto price online?
ERGO NEXT says commercial auto "doesn’t have a fixed price because costs are based on your specific business risk." The Hartford's cost page says it does not currently offer this coverage online for small businesses and refers buyers to a partner.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. Progressive Commercial, Commercial Auto Insurance Cost, opening figure
“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.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome; curl with a browser user agent also returns the page. A carrier's statement about its own customers, quoted as what Progressive says. The page prints no date of its own. - 2. Progressive Commercial, Commercial Auto Insurance Cost, average and median table
“The average commercial auto insurance cost isn't necessarily what you'll pay. Many customers have a monthly premium closer to the median price.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. The table that follows gives median and average per month: Business Auto $207 and $276; Contractors $203 and $260; For-Hire Specialty Truck $635 and $734; For-Hire Transport Truck $821 and $926; Tow $355 and $606. - 3. Progressive Commercial, Commercial Auto Insurance Cost, footnote ‡‡ to the averages
“2025 new policy premium per power unit for liability and physical damage coverage for policies with no driver violations.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl; the footnote is in the page footer. - 4. Progressive Commercial, Commercial Auto Insurance Cost, business auto group
“Business auto insurance covers vehicles used for work like cars, SUVs, small trucks, and vans.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. - 5. Progressive Commercial, Commercial Auto Insurance Cost, contractors group
“Contractors, subcontractors, and independent tradespeople often use pickup trucks, cargo vans, SUVs, and trailers to move tools and equipment between job sites.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. - 6. Progressive Commercial, Commercial Auto Insurance Cost, contractors group, equipment example
“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.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. - 7. Progressive Commercial, Commercial Auto Insurance Cost, for-hire transport 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.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. - 8. Progressive Commercial, Commercial Auto Insurance Cost, rating factors
“Your rate can vary based on several factors, including driving history, coverage needs, and profession. In other words, your cost is unique to you.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. - 9. Progressive Commercial, Utah Commercial Auto Insurance, cost factors: 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 box truck with minimal equipment.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. The same list also names profession, driving history, location, travel radius and coverage needs. The page prints no date. - 10. Progressive Commercial, Utah Commercial Auto Insurance, cost factors: travel radius
“The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within St. George's city limits is considered lower risk than a vehicle with a regional route that covers all of southern Utah.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. - 11. Progressive Commercial, Utah Commercial Auto Insurance, cost factors: driving history
“Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. Progressive's description of carrier practice, quoted as what Progressive says. - 12. Progressive Commercial, Utah Commercial Auto Insurance, cost factors: coverage needs, the sentence this page corrects
“Policyholders with the Utah state minimum limits of 25/65/15 will pay less than a policyholder needing a combined single limit of $1M.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. The same page states 25/65/15 as Utah's requirement for all commercial auto policies; Utah Code 31A-22-304(2) has set 30/65/25 for policies issued or renewed on or after January 1, 2025. - 13. Progressive Commercial, Utah Commercial Auto Insurance, discounts
“Save 10% or more when you pay in full on commercial auto insurance, and take advantage of our other discounts to get the best rate for your Utah policy.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. The page's footnote says discounts vary and may not be available in all states and situations. - 14. Progressive Commercial, Commercial vs. Personal Auto Insurance, cost question
“Business auto insurance often costs more than personal auto insurance because it has higher liability limits and more coverage in case of an accident.”
progressivecommercial.com, accessed October 3, 2026. Read in Chrome and by curl. - 15. Progressive, How Much Is Car Insurance? (personal auto), updated September 3, 2026
“Car insurance on average is $87.56 per month in low-cost states, $112.80 per month in medium-cost states, and $165.02 per month in high-cost states.”
progressive.com, accessed October 3, 2026 - 16. Progressive, How Much Is Car Insurance?, medium-cost states
“States included: Alabama, Arizona, Arkansas, Colorado, Illinois, Minnesota, Mississippi, Missouri, Nebraska, North Dakota, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, and West Virginia.”
progressive.com, accessed October 3, 2026. The list sits under "Medium-cost states", average $112.80 per month. - 17. Progressive, How Much Is Car Insurance?, footnote to the averages
“Average rates for a liability-only Progressive auto policy with one vehicle and one driver for 2025 for a given group of states.”
progressive.com, accessed October 3, 2026. The footnote continues that each group's average is weighted by the policy count of the states in it. - 18. Insureon, Commercial Auto Insurance Cost, updated March 4, 2026
“The average cost of commercial auto insurance is $245 per month for Insureon's small business customers.”
insureon.com, accessed October 3, 2026. An online agency's statement about policies its own customers bought, quoted as what Insureon says. - 19. Insureon, Commercial Auto Insurance Cost, how the figure is calculated
“Our figures are calculated using the median cost of policies sold by leading insurance carriers to Insureon's small business customers.”
insureon.com, accessed October 3, 2026 - 20. Insureon, Commercial Auto Insurance Cost, data note
“The average costs on this page were derived from our data on 100,000 small business owners who purchased policies through Insureon.”
insureon.com, accessed October 3, 2026. The note continues that most of its customers have fewer than five employees and have been in business five years or less. - 21. Insureon, Commercial Auto Insurance Cost, range and distribution
“Annual premiums range from under $375 to over $16,000 per year. Among our customers, 40% pay less than $200 per month for commercial auto insurance, and another 29% pay between $200 and $400 per month.”
insureon.com, accessed October 3, 2026. The 31% above $400 a month is the remainder, computed here; Insureon does not print it. - 22. Insureon, Commercial Auto Insurance Cost, what drives the premium
“Your premium is directly impacted by the number of vehicles your business owns, their value, their business use, and the driving records of anyone who drives them.”
insureon.com, accessed October 3, 2026 - 23. Insureon, Commercial Auto Insurance Cost, vehicle type
“For example, commercial trucks, cargo trailers, and utility trailers usually cost more to insure than vans and sedans.”
insureon.com, accessed October 3, 2026. Insureon's own statement; the word "usually" is Insureon's. - 24. The Hartford, How Much Is Commercial Auto Insurance? A Cost Guide, last updated August 27, 2026
“On average, customers of The Hartford paid about $574 a month, or $6,884 a year, for commercial auto insurance.”
thehartford.com, accessed October 3, 2026. A carrier's statement about its own customers. The page's footnote says the figures are estimates and not guaranteed, and gives no breakdown by vehicle count or coverage. - 25. biBerk, How much does Commercial Auto insurance cost on average? (FAQ)
“For example, commuter/consultant use of smaller vehicles can cost $600 to $1,500 per vehicle per year. The cost to insure vehicles for for-hire trucking can be $5,000 to $15,000 per vehicle per year.”
biberk.com, accessed October 3, 2026. The page prints no date; its structured data gives dateModified 9/16/2026. Quoted as what biBerk says; the FAQ does not say what the ranges are drawn from. It adds livery vehicles at $2,000 to $6,000 per vehicle per year. - 26. The Hartford, How Much Is Commercial Auto Insurance?, commercial vs. personal question
“Typically, commercial auto insurance will cost more than personal auto insurance because it protects you against more expensive risks and provides a higher level of coverage.”
thehartford.com, accessed October 3, 2026 - 27. The Hartford, How Much Is Commercial Auto Insurance?, availability notice
“The Hartford does not currently offer this coverage online for small businesses, but we recognize that this is a coverage many businesses need.”
thehartford.com, accessed October 3, 2026. The notice continues that buyers may get coverage through a local agency or through Tivly, The Hartford's referral partner. - 28. ERGO NEXT Insurance, Commercial Auto Insurance Costs, FAQ
“Commercial auto insurance doesn’t have a fixed price because costs are based on your specific business risk.”
nextinsurance.com, accessed October 3, 2026. The same page says NEXT provides commercial vehicle insurance through partners and prints no average figure. - 29. Utah Insurance Department, Business Use Of Your Auto
“If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use.”
insurance.utah.gov, accessed October 3, 2026. Read in Chrome; curl with a browser user agent also returned the page on 2026-10-03. - 30. Utah Code 31A-22-304(2), motor vehicle liability policy minimum limits
“a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (a) (i) $30,000”
le.utah.gov, accessed October 3, 2026. Subsection (2) continues with $65,000 for two or more persons and $25,000 for property, or a $90,000 single limit. Subsection (1) keeps 25/65/15 for policies issued or renewed on or before December 31, 2024. - 31. U.S. Bureau of Labor Statistics, PPI series PCU5241265241263, commercial auto insurance
“PPI industry data for Direct property and casualty insurers-Commercial auto insurance, not seasonally adjusted”
data.bls.gov, accessed October 3, 2026. The series title. Values from the same page's table: August 2021 128.360, August 2024 137.877, May to December 2025 149.735 each month, May to August 2026 148.005 each month, marked preliminary. The page prints the same value eight and four months running. The viewer runs a browser check; https://api.bls.gov/publicAPI/v2/timeseries/data/PCU5241265241263 returns the same values to curl. - 32. The Council of Insurance Agents & Brokers, Q2 2026 P&C Market Survey, release
“This was the highest increase out of all lines and was also the 35th consecutive quarter of premium increases for umbrella. Commercial auto had the next highest increase at 4.5%.”
ciab.com, accessed October 3, 2026. Read in a browser; ciab.com returns 429 to curl. A survey of the Council's member brokers, quoted as what the Council says they reported. - 33. The Council of Insurance Agents & Brokers, Q2 2026 P&C Market Survey, all account sizes
“In Q2 2026, P&C survey respondents reported an average decrease in premiums across all account sizes of 2.0%”
ciab.com, accessed October 3, 2026. Read in a browser; ciab.com returns 429 to curl.
The renewal came in far higher and the owner wants to know why and what to do
Rate increases, average costs, loss runs and what actually lowers a trucking or commercial auto premium.
Elsewhere on the site
Got a renewal that does not look like these numbers?
Send Redoubt the renewal offer and the expiring declarations page, the vehicle and driver lists, and how each vehicle is used. We will go through what changed in the rating with you and what to ask the carrier before the renewal date.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.