Commercial Auto Insurance by State
Explore commercial auto coverage where you live
Learn about commercial auto insurance options in all 50 states. Browse the list below to review coverages, state-specific requirements, and exclusive discounts.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Commercial auto insurance requirements by state
Every state requires commercial auto coverage, but what you need depends on where you live. Common insurance types include:
- Liability: Commercial drivers always need liability insurance, though the minimum amount varies from state to state. This coverage helps if you injure someone else or damage their property.
- Uninsured/underinsured (UM/UIM) motorist: Many states require UM/UIM coverage, which pays for injuries to you or your passengers if the at-fault driver doesn't have enough insurance to cover the damages.
- Medical payments (MedPay): MedPay is a driver protection that covers medical expenses for you and your passengers, regardless of who caused the accident.
- Personal injury protection (PIP): PIP coverage is required in most states with no-fault insurance laws. It covers things like medical bills, lost wages, and important services like childcare while you and your passengers recover.
State laws don't call for collision insurance or comprehensive coverage, but it's good to consider them. They protect business autos from accidents and other events, like fire or theft. If you finance or lease your vehicle, your contract might require these coverages, even if the government doesn't.
State minimum coverage limits
States also decide how much insurance you need. The coverage amount, or insurance limit, is the maximum payment for a liability claim. Most states use split limits, which consider three things:
- Bodily injury per person
- Bodily injury per accident
- Property damage per accident
For example, North Carolina law says the minimum split limit on a commercial auto policy is 30/60/25. In other words, the insurer would pay accident-related costs up to:
- $30,000 for each injured person
- $60,000 for all injured people
- $25,000 for property damage
These amounts can vary by state. Be sure to check the requirements in your area to keep your business vehicles protected.
Save on commercial auto insurance in your state
When you buy a business auto policy from Progressive Commercial, we'll look for ways to help you save on your premium. Vehicle insurance discounts aren't available in every state, but qualified customers can get:
- Prior insurance savings: You could get a discount for having continuous insurance for the last 12 months.
- Paid in full discount: You might be able to save if you pay your whole insurance bill at once.
- Multi-product discount: If you have general liability or a business owners policy, you could save on your commercial auto policy.
Find out which options are available when you get a commercial auto insurance quote in your state.
Get state commercial auto insurance
Progressive Commercial has decades of experience helping businesses like yours get the right commercial auto coverages and limits. To find insurance in your state, start a quote online or call us at 1-888-806-9598.
