9 insurersFigures checked 2026-10-26
Commercial auto insurance cost for contractors
What contractors pay to insure work trucks and vans. Some insurers publish a price per vehicle and others per policy (all vehicles on it), so the two are shown in separate tables and should not be compared directly.
We are not an insurance agent. Prices are what each company publishes; your quote will differ. Premiums depend on your trade, state, payroll, limits, deductible, vehicles and claims history. We never produce quotes.
Affiliate disclosure: Some insurers run affiliate programs. Every insurer link on this page is a plain link to the company’s own site today; if we join a program, those links will be marked sponsored. It never changes the figures or the order we show. Details
Per vehicle
Priced per vehicle (power unit). Insurers listed A–Z, not ranked.
| Insurer | Priced | Published figure |
|---|---|---|
| Progressive Commercial | per vehicle (power unit) | Median$203/mo per vehicle (power unit)Contractors, per power unit, 2025 new policies, liability + physical damage, no driver violations; average $260 · Source |
| Progressive Commercial | per vehicle (power unit) | Median$207/mo per vehicle (power unit)Business auto, per power unit, 2025; average $276 · Source |
Per policy (all vehicles on the policy)
Priced per policy. Insurers listed A–Z, not ranked.
| Insurer | Priced | Published figure |
|---|---|---|
| Insureon | per policy | Median$270/mo per policyContractors, per policy · $3,239/yr as published · Source |
| The Hartford | per policy | Average$574/mo per policyPer policy (not per vehicle); page updated Aug 27, 2026 · $6,884/yr as published · Source |
Quote only biBERK, ERGO NEXT, Hiscox: no published price on the pages we checked.
ERGO NEXT sells commercial auto through Progressive: Offered via Progressive partnership; no price.
A per-policy figure covers every vehicle on the policy, so a crew with three trucks would expect a per-policy figure above a single-vehicle one. We do not convert between them.
More business insurance costs
- Business insurance hub
- General liability cost by trade
- Workers’ comp cost
- Tools & equipment + BOP vs GL
- Handyman insurance cost
- Cleaning business insurance cost
- Landscaping insurance cost
- NEXT vs Hiscox
- Hiscox vs biBERK (+ NEXT)
- NEXT vs Thimble vs Simply Business
All figures from each company’s own pages, checked 2026-10-26. We are not an insurance agent and do not sell or recommend coverage; check what your state and your clients require. How we check prices