Progressive commercial auto insurance

Q: Can I bundle my commercial auto insurance with other policies from Progressive?

Yes , you can bundle commercial auto insurance with other Progressive business insurance, like a general liability policy or a business owner's policy (BOP). Progressive offers a discount when you bundle your commerical auto policy with another business account. It also grants a discount when you bundle personal insurance policies with your commerical insurance coverage.

Our expert take

Progressive, the nation's leading commercial auto insurance company in terms of market share, is financially stable and has fewer customer complaints than other top insurers. Although its rates may be higher than average, Progressive offers many discounts to help small businesses save on their monthly premiums. In addition, the carrier offers commercial auto insurance in all 50 states.

Pros:

The largest commercial auto insurance company by market share
A multitude of discounts are available to commercial customers
Has fewer customer complaints than some other big insurers

Cons:

Rates found to be above average

Progressive commercial auto insurance at a glance

Review Category	Details
AM Best rating	A+
NAIC Complaint Index	0.87
Available in	National
Best for	Small business owners seeking an insurer with a good reputation and few complaints
Not ideal for	Small business owners who want risk engineering and complex safety programs

How much does Progressive commercial auto insurance cost?

The national average for commercial auto insurance with Progressive is $272 a month for commercial autos, according to Progressive. Compare that to the national average for commercial auto insurance, which is $147 per month, Insurance.com research.

Progressive posts the following commercial auto insurance costs on its website:

Business autos: An average monthly rate of $282
Contractor vehicles: An average monthly rate of $272.
For-hire specialty trucks: An average monthly rate of $746.
For-hire transport trucks: An average monthly rate of $954.

Progressive's commercial auto insurance pricing for your particular business can be accurately determined by obtaining a custom quote. Comparing Progressive's rate with quotes from multiple competitors helps you identify the company offering the most affordable rates.

How does Progressive determine commercial auto insurance rates?

Progressive evaluates your business’s risk profile to determine your cost of commercial auto insurance. Cost-determining risk profile factors include:

Industry
Number, type and age of vehicles
Vehicle use
Driving history
Claims history
Location
Coverage types, limits and deductibles

Does Progressive offer any commercial auto discounts for business owners?

Yes, Progressive offers a variety of discounts that may help business owners lower their commercial auto premium.

Commercial driver’s license discount: Those with a CDL that’s valid for at least two years can get a discount.
Business experience discount: If you’ve been in business for at least three years, you can get a discount.
Prior insurance savings: Those who can prove continuous coverage over the past 12 months can get a discount.
Package discount: Bundle your policy with a general liability or business owners policy to get a discount.
Paid in full discount: You can save up to 15% if you pay your premium in full at the start of the policy period.
Pay by electronic funds transfer (EFT): Having payments automatically deducted from a checking account makes you eligible for a discount.
Insure your personal vehicles with Progressive: Customers who also have personal autos with Progressive can get a discount.
Smart Haul Program: Use an electronic logging device to save an average of $984 annually.
Snapshot ProView: Get 5% off your policy when enrolling in the company’s Snapshot usage-based insurance program.

Another good way to save is to hire drivers with good driving records to ensure you get the best rates.

What does Progressive commercial auto insurance cover?

What is covered by Progressive's commercial auto insurance policy depends on what coverage you pick to be a part of it. The most basic policy will include liability insurance and, if your state requires it, uninsured/underinsured motorist, personal injury protection (PIP), or medical payments (MedPay). A full coverage policy will also include collision and comprehensive coverage, providing protection for your vehicle.

Here’s a look at what coverage states may require and what optional coverage could potentially be added to a policy.

Coverage type	Good to know
Bodily injury liability	Required by states. Covers injuries you cause to others; required everywhere; limits vary by state.
Property damage liability	Required by states. Covers property damage you cause to others' property; usually optional.
Collision	Optional. If you have a lease or loan on a vehicle, the lender may mandate you have it. Covers damage or loss from business-use accidents.
Comprehensive	Optional. If you have a lease or loan on a vehicle, the lender may mandate you have it. Covers damage or loss from weather, theft, fire and more.
UM/UIM	Requirements vary by state. Covers damage or loss from accidents caused by uninsured and underinsured drivers.
PIP or MedPay	Availability and requirements vary by state. Covers medical expenses and related costs for you and your passengers after an accident, regardless of fault.
Hired and non-owned auto	Optional. Coverage for rented or employee-owned vehicles used for business.
Roadside assistance	Optional. Covers towing, battery jumps, flat tires and lockouts.
Rental reimbursement	Optional. Covers rental vehicle while business vehicle is out of service for an approved claim.
Trailer/cargo	Requirements vary by state. Covers trailers and cargo you use for business, but don’t own.
Any auto	Availability varies by state. Covers both hired and nonowned vehicles, such as an employee’s personal car used for business.

What is included in Progressive'scommercial auto insurance?

Progressive's standard coverages for commercial auto insurance varies by state, but can include:

Liability: This pays for injuries to others and damage to other cars or property when your driver is at fault for the accident. Commercial auto insurance liability limits can be split, such as 25/50/25 with the first two numbers for bodily injury and the third for property damage or combined, like $300,000 for both coverage types.
Uninsured/underinsured motorist (UM/UIM): This helps pay for injuries associated with an accident that wasn’t your fault when the other party either has no insurance or lacks enough coverage to pay for the loss. Some states also offer uninsured motorist property damage (UMPD) coverage that pays for damage to your vehicle.
Personal injury protection (PIP): This pays for accident-related medical costs that you or your passengers incur, along with lost wages and replacement services, to perform tasks you’re unable to due to your injuries.
Medical payments: This protects your driver and passengers and helps pay for injuries they incur in an accident.
Collision: This pays to repair or replace your vehicle if it hits another object, overturns, rolls or is in a collision with another vehicle, regardless of fault. Collision coverage comes with a deductible.
Comprehensive: This pays to repair or replace your vehicle if it’s damaged by events other than a collision, such as vandalism, fire, or storm damage. Comprehensive coverage comes with a deductible.

Does Progressive offer optional or industry-specific coverage options?

Progressive offers several optional commercial auto coverage options, including:

Towing and roadside assistance: Helps pay for towing, flat tires, lockouts, and battery jump-starts.
Hired auto: Extend coverage to employee-owned or rented vehicles when used for business purposes.
Non-owned autos: Extends liability coverage to employee-owned vehicles used for business reasons.
Rental reimbursement: Pays for a rental car while your business vehicle is in the shop for claim-related repairs.
Trailer/cargo: Protects cargo and trailers used for business operations that your company doesn’t own.
Any auto: Covers hired and nonowned vehicles, such as an employee’s personal car used for work.

What types of vehicles does Progressive insure?

Progressive's commercial auto insurance covers a wide range of vehicles, such as:

Business autos: This includes cars, light trucks, SUVs and vans
Trucks: Progressive covers a variety of trucks, including dump trucks and general freight haulers
Trailers: This includes pickup truck utility trailers, dump trailers and tractor trailers

How does Progressive compare to competitors?

Progressive is the largest commercial auto insurance company by market share, controlling 15% of the market, according to the National Association of Insurance Commissioners (NAIC). It also has a lower level of complaints compared to other competitors its size.

Use Insurance.com’s commercial auto comparison tool to gain more insight into how Progressive compares with top competitors.

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How can I buy Progressive commercial vehicle insurance?

You can purchase a Progressive policy through its website after obtaining a quote, or you can call (888) 806-9598.

Here’s a checklist for the information you’ll need when purchasing a policy from Progressive:

The names, license numbers and driving record information (tickets or accidents) of all the workers who’ll be driving your business vehicles
The make, model, year and VIN of your business vehicles
The place your business is located and what each vehicle will be used for
The estimated number of miles each vehicle will be driven annually
The coverage types, policy limits and deductible amount you want

Expert tips: How can I save money on Progressive commercial auto insurance?Commercial auto insurance is a necessary expense for small business owners. Here are some strategies to save on commercial auto insurance and ensure you’re getting the best rate for your policy.

Bundle policies. If you already have a BOP or other commercial coverage with Progressive, ask if you can get your commercial auto policy there as well and bundle to save money.
Compare rates. Every insurer, including Progressive, evaluates risk differently. Get quotes from at least three companies to make sure you’re getting the most competitive price for the coverages and limits you need.
Check for discounts. Ask Progressive agents about any discounts or other savings programs you may qualify for.
Review your coverage choices. Assess your Progressive coverage yearly. Look at your limits, deductibles and any optional coverages you’ve added on. Make sure your coverage and limits match your actual exposure. If affordable, you can often raise your deductible to lower premiums.

FAQs: Progressive commercial auto insurance guide

How do I file a commercial auto claim with Progressive?

To file a Progressive claim, you can use the app, the company website or call its claims line.

Can I bundle my commercial auto insurance with other policies from Progressive?

Yes, you can bundle commercial auto insurance with other Progressive business insurance, like a general liability policy or a business owner's policy (BOP). Progressive offers a discount when you bundle your commerical auto policy with another business account. It also grants a discount when you bundle personal insurance policies with your commerical insurance coverage.

Does Progressive offer fleet insurance?

Yes, Progressive offers coverage through its fleet and specialty programs to protect companies that have multiple vehicles. Talk to an agent to learn more about Progressive's commercial auto fleet program.