Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.
Pennsylvania motor travelers have unique challenges to deal with. That makes PA commercial auto insurance necessary to keep up with your business costs and face liabilities regarding auto accidents. This guide will cover essential Pennsylvania commercial auto insurance topics, including:
Pennsylvania car insurance laws require all motor vehicle owners to have auto liability coverage on all of their registered vehicles. This ensures that you and your insurance company can ensure that they can pay for automobile incidents on the road that result in events like:
Car insurance coverage falls into a few categories broken down below.
| Coverage | What it covers | Required in PA? |
| Auto liability coverage | Helps pay for bodily injury liability and property damage liability | Yes |
| Underinsured motorist coverage | Covers expenses when an underinsured driver doesn’t have good liability limits | Yes, but purchase is optional |
| Medical payments coverage | Hospital visits, surgeries, and medical tests | Yes |
| Personal injury protection | Covers expenses due to injuries like lost income and childcare expense | Yes |
Auto liability insurance is the type of auto insurance required in Pennsylvania. The DMV of PA requires that all PA motor vehicle owners maintain a vehicle liability insurance policy on their vehicles in the event of bodily injury or property damage.
Pennsylvania commercial auto insurance gives your business’s vehicles more nuanced protection in auto incidents and offers greater overall coverage. Because of Pennsylvania’s high collision rate on the roads, it is especially advisable to consider getting a commercial auto insurance quote.
Commercial auto insurance differs from personal auto insurance in a few different ways.
| Personal auto insurance | Commercial auto insurance |
| Lower overall cost | Higher overall cost |
| Excludes business use besides commuting | Covers business use |
| Lower claims | Higher claims |
| Personal vehicle | Different variety of vehicles |
The Pennsylvania commercial auto insurance requirements demand that you have a comprehensive auto liability policy to cover the following:
Your policy may exceed these limits based on the commercial vehicles you insure and what they are used for.
Commercial auto insurance in Pennsylvania is regulated by the Office of Market of Regulation. This government entity has three branches, which include:
Get all the best quotes from leading providers in a click of a button!
Commercial auto insurance in Pennsylvania is $150 per month or $1,800 per year for a commercial auto policy offering a $1 million auto liability coverage. The figure can vary depending on your business’s coverage needs.
NEXT is a standout insurance company for PA residents that offers the best overall price. They were founded in 2016 and are entirely online. It offers less specialized coverage for your area but has competitive policy options.
Average cost: $12 per month
The Hartford makes it easy to get a specialized quote and offers a competitive price to go with it. Customers benefit from the personal touch of an agent that can help direct their customers to a simplified purchasing process.
Average cost: $55 per month
CoverWallet boasts a high policy renewal rate boosted by its wide range of coverage options. Their dashboard makes shopping for policies easy and makes purchasing commercial auto insurance a seamless experience.
Average cost: $29 per month
Thimble has instant and flexible subscription coverage plans that can help you get your commercial auto insurance coverage quickly.
Average cost: $60 per month
Hiscox has nearly a century of experience in the insurance industry, and it applies this experience to help shape small business coverage that is tailored to each business’s individual needs.
Average cost: $30 per month
Get all the best quotes from leading providers in a click of a button!
Progressive is the largest provider of commercial auto insurance and brings many policy options for PA business owners. A wide variety of vehicle types is covered, making it an attractive option.
Average cost: $165 per month
GEICO has a stellar claim-tracking process that makes resolving claims stress-free. They also boast an excellent customer service track record for setting up policies.
Average cost: $167 per month
State Farm has a great track record for commercial auto insurance. Unfortunately, their online experience is more limited than the competition.
Average cost: $52 per month
USAA offers selective service to military members and their families. It is an excellent option for fleet vehicle owners or truckers. It might not be the right option if you have complex insurance coverage.
Average cost: $66 per month
Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
