Pennsylvania Commercial Auto Insurance: Quotes From $47/mo

Like many other states, Pennsylvania requires businesses that use vehicles for commercial purposes to carry minimum amounts of auto insurance coverage. This requirement ensures that businesses are financially prepared to handle potential liabilities resulting from accidents or damages caused by their vehicles. 

As a business proprietor, you must understand the significance of commercial auto insurance to safeguard your assets. Operating commercial vehicles entails inherent risks, ranging from accidents to theft or vandalism. Pennsylvania commercial auto insurance is essential for mitigating these risks and protecting your company.

What is Commercial Auto Insurance?

Commercial auto insurance is a type of insurance designed to protect your business vehicles. It covers damage or responsibility from accidents  involving your company’s cars, trucks, vans, or other vehicles used for business purposes. 

Commercial auto insurance safeguards your business against various events, such as collisions, theft, vandalism, and natural disasters. The coverage typically includes bodily injury and property damage liability, medical payments, comprehensive coverage, and collision coverage. 

Commercial auto insurance can minimize the financial burden of vehicle repairs, medical expenses, or legal claims resulting from accidents. Additionally, it offers the benefit of ensuring uninterrupted business operations by providing prompt vehicle repair or replacement, allowing you to get back on the road quickly and efficiently.


Auto Accident Statistics in Pennsylvania

Data collected and published by the Pennsylvania Department of Transportation (PennDOT) in 2020 showed that at least 286 auto accidents occur in a day in Pennsylvania. And at least 3 people sustain fatal injuries, and 168 sustain major and minor injuries within 24 hours. This report also showed that the majority of the accidents in Pennsylvania occur on state highways, turnpike and local roads. It also indicated that October to December is when most car crashes occur.


Pennsylvania Commercial Auto Insurance Requirements

Here are the Pennsylvania commercial auto insurance requirements you must conform with:

  • Liability insurance–Pennsylvania requires commercial cars to obtain liability insurance. The minimum liability limits are $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage

  • First Party benefits–Pennsylvania commercial auto insurance policy must offer first-party benefits. This coverage provides medical benefits for injuries sustained by insured driver and their passengers

  • Uninsured and underinsured motorist coverage–This policy protects you and your passengers if a driver without insurance or with insufficient insurance hits you

  • Proof of insurance–In Pennsylvania. you must have evidence of insurance and present it to law enforcement or other authorized officials upon request

  • Commercial vehicle registration–You must register your commercial vehicles in Pennsylvania. Proof of insurance is typically required during the registration process


Components of Pennsylvania Commercial Auto Insurance

When it comes to Pennsylvania commercial auto insurance, there are main components you should be aware of.

  • Liability coverage–Liability coverage protects you financially if you cause a third party bodily harm or property damage while driving a commercial vehicle. This coverage helps cover medical expenses, property repair costs, and legal fees associated with a liability claim after you cause an auto accident. Having sufficient liability coverage is crucial for protecting your business assets and ensuring that you can meet your financial obligations in case of accidents or other incidents involving your commercial vehicle.

  • Collision coverage–It covers damage to your commercial car from a crash, no matter who was at fault. Collision Coverage pays for fixing or replacing your car after an accident. This insurance helps you get back the money you spent to fix your car after an accident.

  • Comprehensive coverage–This coverage safeguards your commercial vehicle against non-collision-related damages. It gives protection against dangers such as theft, vandalism, fire, weather damage, and falling objects. Comprehensive coverage helps repair or replace your car if it’s damaged or lost due to one of the risks mentioned. It provides valuable financial protection against unforeseen events beyond your control, safeguarding your business vehicle against various risks and potential financial losses.

  • Medical payments coverage–This coverage pays for medical bills for you, your passengers, and anyone else hurt in an accident with a commercial car, no matter who was at fault. It covers medical bills, hospital stays, ambulance fees, and other necessary medical treatments related to the accident. Medical Payments Coverage provides financial support for immediate medical needs, ensuring that individuals involved in the accident receive timely and appropriate medical care without facing significant out-of-pocket expenses.

  • Property damage coverage–This policy protects you financially if your commercial vehicle damages someone else’s property in an accident. Whether it’s a vehicle, building, or other structures, Property Damage Coverage helps cover the costs of repairing or replacing the damaged property. This coverage provides you with peace of mind, ensuring that you can fulfill your financial obligations in case of property damage incidents, and helps protect your business from significant liability claims that may arise from such situations.

Compare Commercial Auto Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Coverage Limits for Pennsylvania Commercial Auto Insurance

Pennsylvania commercial auto insurance has different coverage levels based on the policy and the insurance company. Liability coverage limits usually run from $250,000 to $1 million, and property damage coverage limits can be anywhere from $50,000 to $250,000.


Add-Ons to Pennsylvania Commercial Auto Insurance

Here are common add-ons or optional coverages that can be added to a Pennsylvania commercial auto insurance policy. They include:

  • Trailer interchange coverage–Trailer interchange coverage is an important part of your Pennsylvania commercial auto insurance coverage if you often trade trailers with other businesses or people. This insurance protects the trucks while they are in your care, in your custody, or under your control. Whether you are swapping trailers with another company for a specific shipment or taking part in a trailer pool, this coverage protects you financially if accidents, theft, or other covered events damage the trailers you are briefly responsible for.

  • Uninsured/underinsured motorist coverage–Protects you and your business if a driver without insurance hits you. If you or your employees are injured or your vehicles are damaged, this coverage covers medical bills, property damage, and other expenditures. It makes sure that the actions of an uninsured or underinsured driver don’t leave you with big bills and losses.

  • Hired and non-owned auto–Hired/non-owned auto coverage beyond the company-owned vehicles. It provides coverage for liability and physical damage for rented vehicles and employee-owned vehicles used for business purposes. Whether renting a car for a client meeting or using an employee’s vehicle for a business assignment, this coverage protects you in case of an accident or damage while using non-owned vehicles for business.

  • Equipment and tool coverage–Equipment and tool coverage is an important Pennsylvania commercial auto insurance add-on if your business cars have special equipment or tools that are always attached. This protection protects your tools and equipment from being stolen, broken, or lost. This coverage pays for fixing or replacing expensive machinery, special fixtures, and other important business tools. 

  • Umbrella liability coverage–This coverage extends your primary liability coverage. Umbrella liability coverage protects you after your usual liability limitations are exhausted in a major accident or litigation. It protects your organization from catastrophic claims like bodily injury, property damage, and legal fees exceeding your coverage. Umbrella Liability coverage protects your business from large financial liabilities and ensures its long-term stability.



What Types of Vehicles Are Eligible for Pennsylvania Commercial Auto Insurance?

Here are vehicles eligible for commercial auto insurance in Pennsylvania:

  • Delivery vehicles–Delivery cars should be insured if you own a delivery service or a restaurant that makes deliveries. This includes cars, vans, and trucks used to make deliveries.

  • Cars used for construction–If you work in the construction business, you can get insurance for your construction vehicles. Cement mixers, dump trucks, and other heavy-duty building trucks are also available.

  • Cabs and ridesharing vehicles–Commercial insurance plans cover cabs and ridesharing vehicles like Uber and Lyft. This ensures you have enough coverage when you’re getting paid to drive people around.

  • Commercial trucks–If you own or run a trucking company, you can get insurance for your commercial trucks. This includes tractor-trailers, box trucks, flatbed trucks, and other big vehicles used to carry cargo over long distances.

  • Tow trucks–Tow truck owners can get insurance for their vehicles. If you have business car insurance, you can protect your tow trucks from being sued and get help on the road if they break down.

  • Food trucks–If you own or run a food truck or mobile food business, you can get insurance for your food truck. Food trucks need business car insurance to cover accidents, theft, and other risks.

Rank and Review Insurance Companies

Help others make better decisions

Show more

Pennsylvania Commercial Auto InsuranceCost

Pennsylvania commercial auto insurance is $47 per month or $564 per year for a $1 million auto liability coverage. Factors that affect premiums are claims history,  business history, policy limits, deductibles, and number of employees. Here’s a table showing the cost of a $1 million auto liability coverage from the best companies:

Cost per Month Cost per Year Best for
NEXT $26 $312 Best overall; Fastest commercial auto insurance
CoverWallet $28 $336 Comparing commercial auto insurance quotes online
The Hartford $31 $372 Commercial auto insurance policies with unique benefits for AARP members
Tivly $35 $420 Comparing commercial auto insurance quotes over the phone
Thimble $37 $444 Businesses with short-term coverage needs
Hiscox $39 $468 Businesses seeking specialized coverage

Compare Commercial Auto Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Pennsylvania Commercial Auto Insurance Companies

Consider working with these companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million auto liability coverage. 


NEXT

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest commercial auto insurance

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT is one of the best commercial auto insurance companies in Pennsylvania. They work with small businesses. Their online tool makes it easy to buy and manage policies. NEXT uses AI-driven underwriting of policies to give fast and accurate quotes. Additionally, they specialize in serving niche industries like contractors, people who work in the fitness industry, and beauty shops. 

Best for: Best overall; Fastest commercial auto insurance

Average cost: $26 per month

Our rating: 10/10


CoverWallet

Pros

  • Easy online access to policies and documents

  • Prices and rules that are easy to understand

  • Fast payment of claims

Cons

  • Some types of insurance cost more than other types

Coverwallet has great customer service and makes it easy to buy commercial car insurance online. With an easy-to-use interface and advanced technologies, they help businesses get prices and handle policies. Coverwallet gives you a lot of choices for coverage, so you can make your policy fit your needs. Their insurance experts are informed and can help you pick the right coverage for your business. Coverwallet gives commercial auto insurance in Pennsylvania that is easy to use, has personalized service, and is easier to do online.

Best for: Comparing commercial auto insurance quotes online 

Average cost: $28 per month

Our rating: 10/10


The Hartford

Pros

  • A reputable and trustworthy insurance company with over two centuries of experience

  • Wide network of agents offering personalized assistance

  • Stability and trustworthiness in the insurance business

  • Claims team for a quick and easy answer

  • Have Risk management tools and resources

Cons

  • Customization of policies may slow application and underwriting

The Hartford is a reputable and well-established commercial auto insurance company with a long history of serving Pennsylvania businesses. The Hartford is safe because it is financially stable and has a good name. Their policies protect your business by giving you a lot of liability and property loss coverage. The Hartford also has valuable risk management tools to help people control risks and losses. The Hartford’s auto insurance is great if you want consistency, a wide range of coverage, and risk management tools.

Best for: Established businesses, industry expertise

Average cost: $31 per month

Our rating: 10/10


Tivly

Pros

  • Budget-friendly price

  • It’s easy to buy insurance over the internet

  • Simple control and writing up of policies

  • Fast help and great customer service

Cons

  • You need to call to compare quotes

Tivly is an insurance broker that works with reputable insurance companies such as The Hartford, Gallagher,  Liberty Mutual, and Progressive. Work with this company because it will take you to the best commercial auto insurance company that best matches your needs and business profile. Call now to compare quotes over the phone. 

Best for: Comparing commercial auto insurance quotes over the phone 

Average cost: $35 per month

Our rating: 9/10


Thimble

Pros

  • On-demand coverage for customizable project durations

  • Easy online application

  • Online policy management makes changes simple

  • Coverage for one day, week, or month

  • Customer service is excellent

Cons

  • You can’t reach customer service by calling 

Thimble stands out in insurance because it offers coverage on-demand, which is an innovative idea. With Thimble, you can buy insurance on an hourly, daily, or monthly basis. Thimble is a great choice for businesses that value ease and flexibility because their mobile app is easy to use and lets you get coverage right away. Thimble does not provide commercial auto insurance, however customers are referred Tivly to get coverage. 

Best for: Businesses with short-term coverage needs

Average cost: $37 per month

Our rating: 9/10


Hiscox

Pros

  • Policies that are tailored to specific risks and liabilities

  • Insurance options for different kinds of businesses

  • Claims are handled quickly and in a proactive way

  • Strong name and track record in the insurance business

Cons

  • Coverage options may be limited for enterprises with unique needs

Hiscox offers commercial car insurance for businesses in Pennsylvania. Hiscox has a wide range of coverage options to meet the unique needs of businesses. Their main areas of expertise are risk management and customized insurance options. Throughout the insurance process, dedicated underwriters and claims workers are there to help each person. Hiscox has reliable coverage, knowledge, and a strong commitment to meeting your business’s needs.

Best for: Businesses seeking specialized coverage

Average cost: $39 per month

Our rating: 9/10

Recent Reviews

Recent Posts


Additional Business Insurance posts