Calculate commercial auto insurance for fleets, trucks, and business vehicles.
Calculate PremiumAverage Commercial Auto: $1,800/vehicle/year
Avg Premium
Average Claim: $28,000
Avg Claim
NAIC / FMCSA 2026
Data Source
Risk: 1x
$1,200/yr
base rate
Risk: 1.3x
$1,800/yr
base rate
Risk: 1.2x
$1,500/yr
base rate
Risk: 1.8x
$3,500/yr
base rate
Risk: 3x
$8,500/yr
base rate
Risk: 2.5x
$6,000/yr
base rate
Commercial auto insurance covers vehicles used for business purposes - from company cars to delivery vans to semi-trucks.
Personal auto policies exclude business use. Commercial auto protects your business from liability and vehicle damage claims.
7 input factors based on 2026 NAIC data.
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