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New Jersey Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with a New Jersey commercial auto policy
New Jersey's 1.1 million small businesses keep the state moving. If your work depends on a car, van, or truck, having the right protection matters. Commercial auto insurance can guard against work-related accidents and unexpected events. Personal auto policies typically don't cover the unique risks a business faces, which is why you need customized coverage.
More than 1.2 million small business owners nationwide trust us to protect their vehicles and livelihoods. We can help you find a policy that works for you, whether you own a cleaning service with one van in Jersey City or a landscaping company with multiple trucks in Trenton.
Start a quote with Progressive Commercial and learn more about your commercial auto insurance options in New Jersey.
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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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People nationwide count on us for their commercial auto needs.
Experience
50+ years
NJ commercial auto insurance 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 doesn't cover vehicles used for work purposes.
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Business auto
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 doesn't cover vehicles used for work purposes.
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Contractors
Contractors use their work vehicles to travel between job sites and transport tools and supplies. These kinds of business-related activities need the additional protection of a commercial policy.
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Food truck
Food trucks, ice cream vendors, and restaurants depend on their commercial vehicles to operate. A commercial auto policy can cover your vehicle and attached cooking equipment and machinery.
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For-hire livery
Vehicles used to transport people for a fee usually need a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some cars used for ridesharing might 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 tractors. Our network of truck repair shops and specialty claims services is accessible whether you're driving locally or outside of New Jersey.
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Tow truck
We offer protection whether you own a wrecker, rollback, or roadside repair vehicle. You can add specialty tow coverages like on-hook and garagekeepers legal liability to protect you when a customer's vehicle is in your possession.
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New Jersey commercial auto insurance cost
The national average monthly cost for commercial auto insurance through Progressive Commercial in 2025 was $260 for contractors and $276 for business auto customers.‡‡ Keep in mind that your costs will vary based on your eligibility for auto insurance discounts and the following factors that affect your New Jersey commercial auto insurance rate.
Profession
Your line of work can affect your commercial auto insurance cost. When evaluating your overall risk, insurers look at how often you're on the road. For example, a plumber who carries tools and equipment to various job sites daily can expect to pay more than a tech firm that occasionally visits client offices.
Vehicle
Your vehicle's size and use impact your rate. A large carpet cleaning van with an attached vacuum system will likely have a higher premium than a small delivery pickup truck with no extra equipment.
Driving history
A clean history with no accidents or violations can help you save on your commercial auto insurance cost. Insurers usually check the past three years of driving records for everyone listed on your policy.
Location
Large cities like Newark will typically have higher premiums than smaller towns like Toms River. Similarly, auto insurance will cost more in places that experience more claims and higher settlements. The frequency of weather-related events, such as hurricanes and floods, can also be a factor.
Travel radius
How far you routinely travel can influence your commercial auto rate. A local route within Camden city limits is considered lower risk than a regional route that covers the entire Coastal Plain region.
Coverage needs
The amount of coverage you need affects your premium. Policyholders who carry the New Jersey minimum limits of 35/70/25 will pay less than someone who chooses a $1 million limit for more protection.
Understanding New Jersey's commercial auto insurance split limits
New Jersey's state minimum liability limit — 35/70/25 — is called a split limit. It separates maximum payments by your insurer for bodily injury and property damage into three groups. In an at-fault accident, your policy will pay up to:
- $35,000 for each person injured in an accident
- $70,000 for all people injured in an accident
- $25,000 for all property damaged in an accident
Learn more about liability coverage, and then start a quote with us today to explore coverage limits and other available options for commercial auto insurance in New Jersey.
NJ commercial auto insurance requirements
New Jersey state law requires you to have personal injury protection (PIP) coverage to pay for the medical expenses of your drivers and passengers, regardless of who's at fault for an accident.
State law also mandates minimum liability limits of $35,000 per person, $70,000 per accident for bodily injury, and $25,000 for property damage. In New Jersey, this is known as residual bodily injury and property damage (RBI-PD). If you're at fault in an accident, RBI-PD covers costs that exceed the limits of the other driver's PIP coverage.
Depending on the types of vehicles on your policy, you might need to carry higher limits. It's important to select the coverage that's right for your business. You can also opt for more than New Jersey's state minimum liability and PIP limits to better protect your business.
New Jersey commercial auto resources:
- New Jersey Auto Insurance Buyer's Guide (NJ.gov)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in NJ
Many businesses that rely on commercial vehicles need to have the right insurance protection, including:
- Landscapers
- Contractors
- Real estate agents
- Cleaning services
- Painters
- Food trucks
- Caterers
- Bakeries
- HVAC technicians
- Pizza delivery
Browse more examples of professions we insure.
Get New Jersey commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* protecting 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 after an accident.
Discounts†
Save 10% 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 New Jersey policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, workers' compensation, and more.
Commercial auto insurance anywhere in New Jersey
We offer New Jersey commercial auto insurance statewide, including these major cities:
- Newark
- Toms River
- Paterson
- Edison
- Camden
- Jersey City
- Clifton
- Elizabeth
- Trenton
- Passaic
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