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Florida Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with commercial auto insurance in Florida
Many of Florida's 3.5 million small businesses need commercial auto insurance to protect against claims involving their cars and trucks. Personal auto policies generally don't cover vehicles used for business because the risks are different and liability claims can be much higher.
Over 1.2 million small business owners across America trust us to insure their commercial vehicles. With customized coverage to match their unique needs, they know they're protected whether they drive clients to open houses in Tampa or operate landscaping trucks in Orlando.
Start a quote with Progressive Commercial and learn more about your commercial auto insurance options in Florida.
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Trusted by over 1.2 million small businesses across the country
Industry Leader
#1 in America*
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Trust your vehicles to the top commercial auto and truck insurer.
Customers
1.2 million+ nationwide
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Businesses nationwide count on us for their commercial auto needs.
Experience
50+ years
Commercial car insurance in Florida for a variety of business types
Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance typically won't cover vehicles used for work purposes.
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Contractors
Contractors who transport various tools and supplies and travel between job sites often need commercial auto insurance. These are business-related activities that require the added protection only commercial coverage can provide.
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Food truck
Food trucks, ice cream vendors, and restaurants depend on their commercial vehicles. Most food trucks have expensive equipment attached to them that a commercial auto policy can cover.
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For-hire livery
Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some cars used for ridesharing might also require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nation,Δ covering everything from dump trucks to semi trailers. Our network of truck repair shops and specialty claims services is accessible whether you're driving locally or outside of Florida.
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Tow truck
We offer protection for wreckers, rollbacks, and roadside repair vehicles. Additional specialty tow coverages like on-hook and garagekeepers legal liability can be added to your policy to cover a customer's vehicle when it's in your possession.
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Florida commercial auto insurance cost
In 2025, the national average monthly cost for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ Your costs will vary based on available auto insurance discounts and the following factors, which can affect how much you pay for Florida commercial auto insurance.
Profession
Some industries face higher risk than others. An electrician who carries tools and equipment to various job sites every day can expect to pay more than an accountant who drives to appointments.
Vehicle
Your vehicle's size and use will influence your rate. A large carpet cleaning van with an expensive vacuum system will usually have a higher premium than a small pickup truck without any attached equipment.
Driving history
Drivers with a clean record and no recent accidents and violations will typically pay lower premiums. To assess your business's driving history, insurers review each driver's motor vehicle report from the past three years.
Location
Big cities like Miami will generally have higher rates than smaller towns like Fort Myers. Places with a history of higher and more frequent claims may pay more for commercial auto insurance. The frequency of weather-related events, such as hurricanes and floods, can also be a factor.
Travel radius
How far you travel can affect your commercial auto rate. For example, a local route within Fort Lauderdale's city limits is considered lower risk than a regional route that covers the panhandle.
Coverage needs
The amount of coverage you choose affects your rate. Drivers carrying only Florida state insurance minimums will pay less than someone choosing a $1 million liability limit for increased protection.
Understanding commercial auto split limits in Florida
Auto liability limits are often shown as a split limit, such as 10/20/10. This format describes how much a policy may pay for covered claims. In this case, it would pay up to:
- $10,000 for injuries to one person
- $20,000 per accident for bodily injury
- $10,000 for property damage
In Florida, bodily injury liability is often optional, so your policy doesn't have to reflect the split limit above. Start a quote with us today to learn more about coverage limits and other available options for commercial auto insurance in Florida.
Florida commercial auto insurance requirements
Florida law requires vehicles registered in the state to carry certain types of auto insurance. These rules apply to many business vehicles, including cars, vans, and trucks used for work.
Florida is a no-fault state, which means people need to use their own insurance first for injury claims. Policies must have at least $10,000 in personal injury protection (PIP) to help pay medical expenses after an accident.
You'll also need at least $10,000 in property damage liability. This coverage pays for damage you cause to someone else's property, such as their car, building, or mailbox.
Florida generally doesn't require bodily injury liability for most vehicles, including many commercial ones. This insurance can pay for injuries you cause to others that aren't covered by their policy. While it's often optional under state law, some businesses, vehicle types, or contracts may want to see proof of coverage.
Minimum requirements are just that — the minimum coverage you must carry. Many businesses choose higher limits to better protect their vehicles and finances.
Florida commercial auto resources:
- Florida Auto Insurance Requirements (Florida Department of Highway Safety and Motor Vehicles (FLHSMV))
- Get a Commercial Driver's License (CDL) (FLHSMV)
Common professions that need commercial auto insurance in FL
Florida businesses that use work vehicles probably need commercial auto insurance to protect them. The following professions can benefit from coverage:
- Landscapers
- Real estate agents
- Contractors
- Painters
- Food trucks
- Cleaning services
- Caterers
- HVAC technicians
- Bakeries
- Rideshare
Browse more examples of professions we insure.
Get Florida commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* covering more than 2.3 million commercial vehicles. Here are a few of the many reasons small business owners trust us:
Expert policy service by phone or online
Our expert customer service representatives are available 24 hours a day on weekdays and between 6:30 a.m. and 2 a.m. on weekends. If you want to adjust your policy, request an insurance certificate, or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast.
Discounts†
Save 9% or more when you pay in full on commercial auto insurance, and take advantage of our commercial auto discounts to get a competitive rate for your Florida policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, cyber insurance, and more.
Commercial auto insurance anywhere in Florida
We offer Florida commercial auto insurance statewide, including these major cities:
- Miami
- Tampa
- Orlando
- Port St. Lucie
- Hialeah
- Jacksonville
- Tallahassee
- St. Petersburg
- Fort Lauderdale
- Cape Coral
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