Commercial Auto Insurance Cost
Pick a business type to see the published median, then type a quote to compare it.
How to use the Commercial Auto Insurance Cost tool
- Choose a business type from the table. The rows are All small businesses, Nonprofits, Real estate, Construction, and Installation contractors.
- Read the published figure per month and per year for that row. The source publishes the monthly medians, and the yearly figure is that amount times 12, marked with an asterisk.
- If you have a quote, type it in the quote field and choose “per month” or “per year” so the tool knows how to read the number you typed.
- Read how far your quote is above or below the published figure for the row you chose.
- Check the “What the figure covers” line. The tool shows limits only when the source states them for that row.
- Open “More options” if you want to add your annual revenue and number of employees.
- Read the share of revenue and the amount per employee, which appear only when you type those values.
- Change the business type to compare the other rows against the same quote.
Everything is calculated in your browser, nothing is uploaded, and the tool does not ask for contact details. Treat every result as an estimate only; get quotes from a licensed insurer or agent.
What do the published commercial auto insurance cost figures show?
The published figures are medians from Insureon’s commercial auto cost page, updated 4 March 2026. They describe policies for Insureon’s small-business customers, based on data from 100,000 owners, most of whom have fewer than five employees, revenue from about $50,000 to over $200,000, and five years or less in business.
A median is the middle value when all the figures in a group are lined up from lowest to highest. The source publishes these monthly medians for each business type, and the tool shows each yearly amount as the monthly one times 12:
- All small businesses: $245 per month, $2,940 per year
- Nonprofits: $168 per month, $2,016 per year
- Real estate: $192 per month, $2,304 per year
- Construction: $264 per month, $3,168 per year
- Installation contractors: $299 per month, $3,588 per year
The same page (updated 4 March 2026) states that 40% of its customers pay less than $200 a month and 29% pay $200 to $400 a month. It also gives an annual range of under $375 to over $16,000, and an example policy with $1M per occurrence / $2M aggregate liability. The range is wide, so one row cannot describe every business. The tool also lists state averages per month from the same page, such as California at $154, Florida at $412 and New York at $275, as context only.
How is a quote compared with the published figure?
The tool sets your quote against the published figure for the row you chose. It works out how far the quote is above or below that figure. The tool converts your quote to a yearly amount, multiplying a monthly quote by 12, and shows the difference from the published figure as a percentage above or below.
When you open “More options” and type annual revenue and the number of employees, the tool adds two more checks. The share of revenue is the published yearly figure divided by annual revenue, shown as a percentage, and a separate line divides your annual quote by the revenue. The amount per employee is the published yearly figure divided by the number of employees.
A sum of separate medians is not the price of a bundle. If you add up figures for different coverages or business types, the total does not show what a combined policy would cost. The published medians are single figures from the source, and the tool does not combine them.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| All small businesses | All small businesses: $245 a month (published median), about $2,940 a year (12 x the monthly figure) |
| All small businesses, quote $310 per month | Your quote of $310 a month ($3,720 a year) is 26.5% above the published median of $245 a month. |
| Nonprofits, revenue $120,000 | Nonprofits: $168 a month (published median), about $2,016 a year (12 x the monthly figure) |
| All small businesses, revenue $150,000 | All small businesses: $245 a month (published median), about $2,940 a year (12 x the monthly figure) |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
What is commercial auto insurance cost?
Commercial auto insurance cost is the price of commercial auto insurance. This tool shows the published figures for that cost by business type and compares them with a quote you type in.
Is business car insurance cost the same as commercial auto insurance cost?
This page answers both searches with the same published figures from Insureon’s commercial auto cost page. The tool does not check any other source.
Does this tool give me a quote?
No. The tool gives no quote and makes no estimate of its own. Every figure comes from the published medians, and the result is an estimate only; get quotes from a licensed insurer or agent.
Why does my quote show above the published figure?
The published figure is a median for a group of Insureon’s customers (page updated 4 March 2026), so a quote can be higher or lower. The tool shows the difference but does not explain why it exists.
Why is the total of the medians not the price of a bundle?
Each median is a separate figure. Adding them together does not give the price of a combined policy, and the page says so. The tool does not add the figures for you.
Is anything I type sent anywhere?
Everything is calculated in your browser. Nothing is uploaded, the tool does not ask for contact details, and it does not refer you to an insurer.
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