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Commercial Auto Insurance
Commercial auto insurance for vans, trucks, and fleets
Protect your vehicles and drivers with coverage that fits how you operate. We compare multiple A-rated carriers for the right blend of price and protection, handle FMCSA filings, and turn certificates around the same day.
Get a Commercial Auto Quote Call 833-776-4671- Business Insurance
- Commercial Auto Insurance
40+
States covered
Same-day
Certificates (COIs)
Independent
Multiple carriers
FMCSA
Filings & MCS-90
Quick Answer: Commercial auto insurance protects the vehicles your business owns and the drivers who operate them. The core is liability for injury and damage you cause, plus collision and comprehensive, uninsured motorist, and medical payments, with hired and non-owned auto added when employees drive personal or rented vehicles. Cost runs from about $125 per month for a service van to $1,800 for an interstate semi.
What commercial auto insurance covers
A complete program combines several coverages. We build the right mix for your vehicles, drivers, and contracts.
Liability (bodily injury & property damage)
Covers injury to others and damage to their property from an at-fault accident. The legally required foundation of every commercial auto policy.
Collision & comprehensive
Repairs or replaces your own vehicle after a crash, theft, vandalism, hail, or other covered cause, so a loss does not park your business.
Uninsured / underinsured motorist
Protects your business and drivers when the at-fault party has no insurance or limits too low to cover the damage.
Medical payments
Helps with medical expenses for you and your passengers after an accident, regardless of fault.
Hired & non-owned auto
Protects your business when employees drive rented or personal vehicles for work. Essential even if you own no vehicles. See hired and non-owned auto.
Endorsements & filings
Drive-other-car, towing and labor, rental reimbursement, OEM parts, plus FMCSA filings and the MCS-90 endorsement when you run interstate.
Why your business needs commercial auto
Every mile your business drives creates risk, and a personal auto policy will not respond to a business-use claim. Illinois electronically verifies that registered vehicles carry active liability insurance and can suspend a registration for a lapse, so commercial auto is not optional once a vehicle is titled to your company or used for work.
For-hire carriers crossing state lines face a higher bar: the FMCSA sets federal minimums under 49 CFR Part 387 and requires the MCS-90 endorsement, with general freight commonly at a $750,000 combined single limit. We handle those filings, and we pair commercial auto with a commercial umbrella or general liability when contracts demand higher limits. Whatever you drive, from a single van to a mixed fleet, we build the policy to match.
What commercial auto insurance costs
Premium depends most on vehicle type, driving radius, driver records, cargo, and limits. Typical ranges per vehicle:
| Vehicle type | Typical monthly (per vehicle) |
|---|---|
| Car, pickup, or service van | $125 to $250 |
| Box truck or cargo van | $250 to $950 |
| Interstate semi / tractor-trailer | $1,000 to $1,800 |
Ranges are 2026 estimates for budgeting, not quotes. Fleets often earn lower per-vehicle rates. For vehicle-specific pricing, see our box truck, commercial trucking, and last-mile delivery pages.
Jobsite and contract requirements, handled
If your work depends on certificates, we keep you moving:
✓Same-day certificates with additional insured, primary and non-contributory, and waiver of subrogation wording when requested.
✓Guidance on COI best practices and renewal tracking so your subs and projects stay compliant.
✓Help with carrier filings and endorsements, including FMCSA filings and the MCS-90 when required.
What our clients say
Commercial auto for every kind of operation
Contractors & trades
Service vans and contractor trucks with same-day COIs, permit wording, and HNOA for rentals.
Trucking & delivery
Fleet auto for local delivery and interstate carriers, with filings and cargo options.
Towing & roadside
Tow operator auto liability with on-hook and garage keepers, plus same-day releases.
Why businesses choose Pro Insurance Group
Independent advice
We compare multiple A-rated carriers and give you clear side-by-side options, not one company's pitch.
Fast, contract-ready COIs
Same-day certificates with the exact wording your jobsite or vendor requires, often within the hour.
Filings handled
FMCSA filings, MCS-90, and endorsements managed for you, without the back-and-forth.
Real humans
A licensed advisor handles your account from quote through renewal and claims.
Commercial auto insurance FAQ
What does commercial auto insurance cover?
Commercial auto covers vehicles your business owns and the drivers who operate them. The core is liability for bodily injury and property damage you cause, plus collision and comprehensive for your own vehicles, uninsured motorist, and medical payments. Hired and non-owned auto is added when employees drive rented or personal vehicles for work.
How much does commercial auto insurance cost?
Cost depends mostly on vehicle type, driving radius, drivers, and limits. A car, pickup, or service van commonly runs about $125 to $250 per month per vehicle, a box truck or cargo van $250 to $950, and an interstate semi $1,000 to $1,800. Clean driving records and higher deductibles lower the price.
What is the difference between business auto and commercial auto?
The terms are used interchangeably by carriers. What matters is matching the policy to your risk: owned vehicles go on a commercial auto policy, and hired and non-owned auto covers employees driving rented or personal vehicles for business.
Do I need hired and non-owned auto if I do not own vehicles?
Yes, if employees ever drive personal or rented vehicles for business, even an errand. Hired and non-owned auto protects your business from third-party claims when the driver's personal policy will not respond to business use.
What are the FMCSA minimums for interstate trucking?
For-hire carriers crossing state lines must meet federal minimums under 49 CFR Part 387 and carry the MCS-90 endorsement. General freight commonly uses a $750,000 combined single limit, while certain hazardous materials require $1,000,000 to $5,000,000.
How fast can I get a certificate of insurance?
Most certificates are issued the same business day, often within the hour, with the additional insured, primary and non-contributory, and waiver of subrogation wording your contract requires.
Get your vehicles covered today
From one van to a full fleet, a licensed advisor will compare carriers, handle your filings, and get the certificate your contract needs. No pressure.
Get a Commercial Auto Quote Call 833-776-4671NF
Reviewed by Neal Fusco, VP Commercial Lines
25+ years placing commercial auto and transportation coverage across Illinois and 40+ states.
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