Commercial auto · Trucking · Fleets
Commercial auto insurance, explained by the numbers.
Plain-English guides, free FMCSA tools, and a fast route to a licensed specialist — for new trucking authorities, owner-operators, contractors and small fleets.
- Check any DOT or MC number's insurance filings in seconds
- See exactly what FMCSA requires for your operation
- One request, one licensed agency — your info is never sold to a list
Free tools
Answers in seconds, built on public FMCSA data
DOT / MC Insurance Lookup
Enter a USDOT or MC number to see authority status, required vs. filed liability, BOC-3, and insurance filings on record.
49 CFR 387FMCSA Insurance Requirement Finder
Answer a few questions to see the federal minimum liability and the filings your operation needs.
Budget plannerCommercial Auto Cost Estimator
Rough annual premium ranges by vehicle type, experience, radius, driver record and limits.
60-second quizDo I Need Commercial Auto?
Eight yes/no questions to tell whether your personal policy still covers how you use your vehicle.
Trucking
Hauling for hire?
New authority, owner-operators, box trucks, hotshots and semis — what you need on file and what it costs.
Business vehicles
Vehicles that work for your business
Contractors, landscapers, food trucks, couriers and passenger vans — plus coverage for employees who drive their own cars.
How it works
Tell us about your vehicles
Vehicle type, state, how you operate, and when you need coverage. About two minutes.
A specialist reaches out
One licensed agency that writes commercial auto in your state contacts you — not a call center blast.
Compare and get filed
Review quotes, bind coverage, and have your BMC-91X or certificates issued.
Need coverage on file fast?
New authority waiting on insurance? Broker asking for a certificate today? Start a request and mark it “ASAP.”
Start my quote requestFrequently asked questions
What is commercial auto insurance?
Commercial auto insurance covers vehicles used for business — trucks, vans, cars and specialty vehicles owned by a company or used to haul goods, tools or people for pay. It provides higher liability limits than personal auto and covers uses that personal policies exclude.
How much does commercial auto insurance cost?
A single business pickup or van often runs about $1,500–$4,500 a year. For-hire trucking costs much more: new box-truck and hotshot authorities commonly see $8,000–$16,000 per truck, and semis $10,000–$25,000+. Use our cost estimator for a range tailored to your operation.
How much insurance do I need for my MC authority?
FMCSA requires $750,000 in liability for for-hire general freight in trucks of 10,001 lbs or more ($300,000 under 10,001 lbs), and $1–5 million for oil and hazmat. Most brokers require $1,000,000 plus $100,000 cargo.
Are you an insurance company?
No. CommercialAutoInsurance.net is an independent information site. When you request quotes, we connect you with a licensed insurance agency that writes commercial auto, and that agency quotes and services your policy.
Looking for your state's minimum limits? See commercial auto requirements by state. Curious what it costs? Read the commercial auto insurance cost guide.