If your business relies on vehicles for daily operations, ensuring they are properly insured is not just a safety measure—it’s a smart business strategy. Progressive Commercial Auto Insurance offers reliable, affordable, and highly customizable coverage designed specifically for businesses of all sizes. Whether you operate a single vehicle or manage a large fleet, Progressive offers fast, online quotes that help you get protected and stay compliant.
Every month, thousands of small business owners and fleet managers search for terms like “commercial auto insurance quote” to find affordable and efficient coverage for their work vehicles. This guide is designed to help fulfill that intent by providing search-engine-optimized, high-value content packed with everything you need to know—from policy features and quote processes to comparisons and risk management tips. If you want to protect your business vehicles and reduce liability, getting a commercial auto insurance quote from Progressive is your first step.
Knowing Progressive Commercial Auto Insurance.
Progressive is one of the leading providers of commercial auto insurance in the U.S., offering tailored policies that address the specific needs of business vehicle use. Here are some important insights into what makes Progressive stand out:
- Broad Range of Coverage Options
- Progressive provides essential liability, collision, and comprehensive coverages.
- Optional add-ons include uninsured motorist, rental reimbursement, and roadside assistance.
- Quick Online Quoting System
- Progressive offers a highly intuitive platform that allows business owners to get a quote in under 10 minutes.
- With minimal documentation, you can receive a custom quote and activate your policy the same day.
- Nationwide Service
- Available in all 50 states.
- Consistent support, claims service, and policy flexibility regardless of your business location.
- Discounts and Bundles
- Save up to 15% by bundling with general liability, workers’ compensation, or other business insurance products.
- Additional discounts for safe driving records, low mileage, and enrolled telematics programs.
Progressive’s commercial auto insurance fits a wide array of industries including:
- Contractors
- Landscapers
- Delivery services
- Non-profit organizations
- Food trucks and catering businesses
Their policies are designed to meet state legal requirements and go beyond to offer valuable business continuity protection.
Commercial Auto Insurance: What Is It for?
Commercial auto insurance is specifically designed to protect vehicles used for business purposes. Unlike personal auto insurance, it provides broader and more specialized coverage tailored for commercial use:
- Protects Against Liability: If your business vehicle causes damage or injury, you’re covered.
- Covers Business Equipment: Tools, machines, and supplies inside the vehicle can be covered.
- Driver Inclusion: Policies can extend to multiple employees or even non-owned vehicles used for work.
- Legal Compliance: Meets state and federal insurance requirements for business operations.
This insurance is essential for any business using vehicles to:
- Deliver products
- Transport equipment
- Provide on-site services
- Move personnel between job sites
Even freelancers using their personal vehicle for deliveries or client visits may need commercial coverage depending on the frequency and nature of use.
There are several options for key coverage.
Progressive offers several types of coverage under its commercial auto insurance umbrella:
- Liability Insurance: Covers bodily injury and property damage you cause to others.
- Collision Coverage: Pays for damage to your vehicle after an accident.
- Comprehensive Coverage: Covers damage not involving a collision—like fire, theft, vandalism, or storms.
- Uninsured/Underinsured Motorist: Protects your vehicle if the other driver has little or no insurance.
- Medical Payments: Covers medical bills for you and your passengers regardless of fault.
- Rental Reimbursement: Pays for rental vehicle if your vehicle is in the shop for repairs.
- Non-Owned Auto Insurance: Covers liability for vehicles you don’t own but use for business.
Selecting the right combination depends on your industry, type of vehicles, and daily use.
How to Get a Business Car Insurance Quote?
Getting a commercial auto quote is simple when using Progressive’s platform. Here’s a step-by-step breakdown:
- Go to the Progressive Commercial Website
- Navigate to www.progressivecommercial.com
- Click on “Get a Quote”
- Choose “Commercial Auto Insurance.”
- Input Your Business Details
- Legal business name, location, and contact info
- Type of vehicles and number in your fleet
- Driver license numbers and vehicle identification numbers (VINs)
- Customize Your Coverage
- Choose your limits, deductibles, and add-on coverages
- Compare and Bind
- Review quotes, choose your package, and pay online
You’ll receive digital proof of insurance instantly after binding the policy. Progressive also offers phone support and local agents if preferred.
Checklist of Commercial Auto Quote
Before you begin the quote process, have the following information ready:
- Business name and structure (LLC, sole prop, etc.)
- Federal EIN (Employer Identification Number)
- Type and number of vehicles
- VINs and mileage for each vehicle
- Driver information (names, licenses, driving history)
- Estimated annual mileage
- Desired coverage limits and deductible preferences
Having this data organized beforehand speeds up the process and ensures quote accuracy.
Liability and Coverage for Business Vehicles.
Commercial vehicles expose businesses to a variety of risks. Here’s what liability and additional coverage options include:
| Coverage Type | Description |
|---|---|
| Liability Coverage | Required by law; covers bodily injury and property damage to others |
| Collision Coverage | Covers your own vehicle in an accident |
| Comprehensive Coverage | Covers non-collision incidents like theft, vandalism, or natural disasters |
| Medical Payments | Pays for medical expenses regardless of fault |
| Uninsured Motorist | Covers you when hit by an uninsured or underinsured driver |
| Non-Owned Vehicle Coverage | Covers vehicles not owned but used by your business |
Make sure you review state minimums and evaluate if you need higher policy limits for added protection.
Comparison of Coverage.
Here is a basic comparison between Progressive and another major competitor:
| Feature | Progressive Commercial | Competitor X |
|---|---|---|
| Online Quotes | Yes | Limited availability |
| Fleet Policy Options | Yes | Yes |
| Telematics Discount | Yes (Smart Haul/Snapshot) | No |
| Bundling with Other Policies | Yes | Yes |
| 24/7 Claims Reporting | Yes | Yes |
| Roadside Assistance Add-On | Available | Limited |
Progressive offers more flexible options, particularly in online quoting and driver-monitoring discounts.
Benefits of having a car insurance.
- Financial Protection: Prevents devastating out-of-pocket costs after an accident.
- Legal Compliance: Meets state and federal business regulations.
- Business Continuity: Keeps operations running with rental reimbursement or quick repairs.
- Employee Safety: Ensures medical bills and injury care are covered.
- Reputation Management: A professional insurer quickly resolves claims to protect your brand image.
Risk management.
Implementing a commercial auto insurance policy is part of a larger risk management strategy:
- Employee Training: Prevents avoidable driving errors
- Regular Vehicle Maintenance: Reduces breakdowns and accidents
- Telematics Monitoring: Tracks and improves driver behavior
- Incident Reporting Protocols: Speeds up claims processing
Reducing incidents means fewer claims and lower future premiums.
Availability.
Progressive commercial auto insurance is available in:
- All 50 U.S. states
- Urban, suburban, and rural markets
- Across most industry verticals, from food service to construction
They also offer bilingual support and mobile app access to serve diverse business owners.
Location can vary the price.
Insurance costs are heavily influenced by geographic location. Factors include:
- Local traffic density
- Weather conditions
- Accident rates
- State insurance laws
- Average repair costs in the region
For example:
- A vehicle operating in Los Angeles may cost more to insure than one in Boise, Idaho.
- States with no-fault insurance laws often carry higher premiums.
Always compare multiple quotes tailored to your business’s primary location.
Coverage limitation.
Every policy comes with exclusions. Common ones include:
- Personal use not disclosed in the policy
- Wear and tear or maintenance issues
- Use of vehicles outside the listed scope (e.g., off-road or long-distance haulage not stated)
- Unauthorized drivers not listed in the policy
Review your declarations page to avoid surprises during a claim.
Check the policy.
Before you finalize your purchase:
- Read the terms and conditions
- Check for hidden fees or exclusions
- Verify that all drivers and vehicles are listed
- Confirm coverage limits and deductibles match your expectations
Working with a broker or Progressive agent can help interpret complex language and ensure proper protection.
FAQ
Can I bundle other business insurance with it?
Yes. Progressive allows you to bundle commercial auto with:
- General liability insurance
- Workers’ compensation insurance
- Business Owner’s Policy (BOP)
Bundling can save up to 15% on total premium costs.
What Makes Progressive’s Commercial Auto Insurance Different?
Progressive is unique in offering:
- Fast, self-service quotes online
- Smart Haul and Snapshot for premium discounts
- Extensive commercial vehicle coverage options
- Nationwide agent network
- Flexible policy customization
This makes it a top choice for small businesses, contractors, and fleet operators.
What Does Progressive Commercial Auto Insurance Include?
It includes:
- Liability (bodily injury/property damage)
- Collision and comprehensive
- Medical payments
- Uninsured motorist protection
- Optional add-ons like roadside assistance and rental reimbursement
Coverage can be tailored to meet your unique business requirements and budget.
Final Thoughts:
Securing the right commercial auto insurance quote is crucial to protecting your business. Progressive stands out as a reliable, affordable, and customizable provider that meets the needs of companies large and small. With an intuitive online platform, nationwide availability, and top-tier customer support, Progressive makes it easy to insure your commercial vehicles. Start your quote today and give your business the coverage it needs to thrive on the road.