Popular Questions About Massachusetts Commercial Auto Insurance

Business auto insurance is the equivalent of your personal auto insurance policy, but it protects vehicles and drivers associated with your business. If your business owns vehicles, this policy will insure your business for costs associated with collisions or other vehicle damage. It also provides liability coverage for your business if one of your drivers is at fault for an accident.

Your commercial auto policy can cover:

  • Vehicles that your business owns
  • Vehicles that your business owns, hires, or leases
  • All vehicles that are used for business purposes, including those that the business does not own, hire, or lease (e.g., when you or your employees drive your own personal vehicles for business purposes) 

Remember, while your business may rely on cars and trucks to transport employees to and from meetings or move products and materials, one accident can cause a financial nightmare for your business. If one of your employees is responsible for an accident, your company may be required to pay for the damage to other cars and for the medical expenses of any injured drivers or passengers. 

But with the proper Massachusetts commercial auto insurance, you can be sure your business is protected from the costs of roadway threats. 

Massachusetts commercial auto insurance pays for covered claims so your business doesn’t have to. It reimburses you for a variety of expenses when you are faced with a fender-bender, an unexpected break-in or theft, or even if weather or a falling tree damages one of your vehicles. 

Fix your car

  • We call this “comprehensive & collision coverage.”

Fix someone else's car 

  • We call this “property damage liability.”

Pay for someone else's medical bills 

  • We call this “bodily injury liability.”

Pays you if an uninsured driver causes an accident

  • We call this “uninsured motorist coverage.”

Commercial auto insurance is designed for businesses that typically have several drivers and multiple vehicles. For this reason, there are several differences between commercial auto coverage and personal auto coverage. 

  • Commercial auto insurance typically has higher liability limits to protect the business from the much greater potential for liability claims. 
  • Commercial auto insurance typically costs more than personal auto insurance, because there are far more variables and risks to consider. The insurance company looks at what the vehicle is used for, the size and weight of the vehicle, the number of miles the vehicle is expected to travel each year, and even the items that are being transported. 
  • Commercial auto insurance rates are also higher because there are multiple drivers being insured. 

Massachusetts commercial auto insurance rates vary significantly from business to business. Premiums are based on the number of vehicles your company owns and the types of coverage you need (you may not need the same coverage for every vehicle). 

The cost to insure a sedan for a salesperson who drives locally will be very different from the cost to insure a large truck that transports goods across the country. 

Here are some ranges for commercial auto insurance premiums across the U.S.:

  • Commercial car insurance cost: $1,200 - $2,400 per year
  • Commercial truck insurance cost: $800 - $2,000 per year
  • Commercial bus insurance cost: $35,000 per year
  • Commercial taxi insurance cost: $5,000 - $10,000 per year
  • Commercial tractor trailer insurance cost: $2,500 or more per year

Your Massachusetts commercial auto insurance rates will vary depending on:

  • The driving history of the drivers listed on your policy
  • The number of vehicles on your policy, as well as the age, make, and model of each
  • The number of drivers on your policy
  • The location of your business and vehicles (i.e., are they more likely to be stolen or involved in an accident in your city) 
  • Your company’s history of auto claims 

The best way to find the commercial auto insurance policy that fits your company’s needs and budget is to work with an independent agent in Massachusetts. Independent agents have access to multiple insurance companies, so you can choose the coverage that fits your unique risks. 

An independent insurance agent compares policies from multiple companies to find the best coverage for your needs. 

acadia insurance
cna insurance
the main street america group
central insurnace companies

Find Commercial Auto Insurance in Your City

How does your city measure up to the national average?

Commercial car insurance cost: $1,200 - $2,400 per year

Commercial truck insurance cost: $800 - $2,000 per year


Commercial bus insurance cost: $35,000 per year
CityAuto theft rate per 1,000
Grand Rapids2.37
Troy0.74
Flint2.62
Lansing3.28
Traverse City1.18
Ann Arbor0.99
Sterling Heights0.88
Farmington Hills0.91
East Lansing2.76
Muskegon2.43
Southfield4.02
Livonia1.66
Detroit13.31
Waterford0.71
Bloomfield Hills0.25
Brighton2.03
Okemos1.08
Kalamazoo3.13
Jackson1.88
Novi0.35
Saginaw1.16
Portage0.47
Adrian0.95
Mount Clemens6.41
St. Joseph0.6
Dearborn3.65
Bay City1.31
Plymouth1.32
Big Rapids0.67
Birmingham0.43
Charlotte1.21
DeWitt0.64
Grosse Pointe0.77
Marquette0.34
Petoskey1.04
New Baltimore0.49
Hillsdale0.73
Clinton Township2.03
Howell0.21
Port Huron1.3
Battle Creek1.65
St. Clair Shores1.07
Westland2.04
Clarkston0.4
Fenton0.52
Flushing0.37
Holt1.02
Mount Pleasant0.46
Ortonville0.18
Rogers City0.73
  1. Boston, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Boston is one of the oldest cities in the United States and is the capital of the Commonwealth of Massachusetts. It is home to many colleges and universities, making the city a center of higher education. Boston's economic base also includes numerous finance and professional services firms, as well as government entities. Old, narrow streets and a large number of pedestrian commuters can make travel in Boston sometimes dangerous. 
  4. Numerous factors affect what you pay for Boston car insurance. The auto theft rate in your city is just one of many variables that come into play. If your commercial vehicles are more likely to be stolen or vandalized, you might pay more for coverage than you would if your business were located in a safer city. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Boston 1.83 (Per every 1,000 vehicles)
  7. How far your vehicles travel and their purpose is also a huge factor in the cost of Massachusetts commercial auto insurance. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 
  8. The most prevalent industries in Boston are:
  9. Professional, Scientific & Technical Services
  10. Accommodation & Food Services
  11. Educational Services


  1. Worcester, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Worcester is located approximately 40 miles west of Boston, and while it is a large city unto itself, it is also a part of the hustle and bustle of the greater Boston area. Manufacturing, education, and healthcare make up a large part of Worcester’s economy. 
  4. Worcester commercial auto insurance rates vary significantly from business to business. Your insurance company will consider the number of vehicles and drivers, the makes and models of the vehicles, and more. You might pay more if your business is located in a city where your vehicles are more likely to be stolen or vandalized. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Worcester 2.83 (Per every 1,000 vehicles)
  7. What you pay for commercial auto insurance is highly dependent on the types of vehicles you own and what they do. Whether you own and operate delivery vans, semi-trucks, or compact cars will define your commercial auto insurance rates. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 
  8. The most prevalent industries in Worcester are:
  9. Retail Trade
  10. Manufacturing
  11. Healthcare & Social Assistance


  1. Springfield, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Springfield is the third-largest city in Massachusetts. While it once had one of the highest crime rates in the U.S., the city has brought crime under control in recent years. While certain types of crime are still a concern, the city has made great strides in improving safety. 
  4. You might pay more for commercial auto insurance if your business is located in a city where your vehicles are more likely to be stolen or vandalized. The auto theft rate in Springfield is higher than the national average, so it may have an impact on your rates. Other factors—such as the number of cars you own, their makes and models, and what they are used for—are even more important.
  5. Auto theft rate in the U.S.  2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Springfield 3.84 (Per every 1,000 vehicles)
  7. The type of industry you are in likely plays a significant role in the types of vehicles you own and how much you will pay for insurance coverage. The most prevalent industries in Springfield are:
  8. Retail Trade
  9. Manufacturing
  10. Healthcare & Social Assistance


  1. Lowell, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Lowell’s overall crime rate has dropped significantly since the 1990s when it was higher than even the city of Boston. Certain crimes can still be a problem, however. 
  4. If you do business in a city with a high auto theft rate, your vehicles are more likely to be stolen or vandalized. This can increase your commercial auto insurance rates. Fortunately, your rates are based on numerous other complex factors, so the theft rate is not your only concern. In Lowell, the auto theft rate is higher than the national average.
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Lowell 3.63 (Per every 1,000 vehicles)
  7. The number of vehicles you own and their makes and models are the most important factors in your overall Lowell commercial auto insurance premium. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 
  8. The most prevalent industries in Lowell are:
  9. Retail Trade
  10. Manufacturing
  11. Healthcare & Social Assistance


  1. Cambridge, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Cambridge is home to two of the most prestigious universities in the world, Harvard University and the Massachusetts Institute of Technology (MIT). While manufacturing was once an important part of the city’s economy, these educational institutions are today the city’s largest employers. 
  4. Business owners in Cambridge pay varying rates for commercial auto insurance. A greater likelihood for accidents and thefts can drive up insurance costs, but in Cambridge, auto theft is relatively rare. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. AUTO theft rate in Cambridge 1.10 (Per every 1,000 vehicles)
  7. What you pay for commercial auto insurance is highly dependent on the types of vehicles you own and what they do. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 
  8. The most prevalent industries in Cambridge are:
  9. Educational Services
  10. Professional, Scientific & Technical Services
  11. Healthcare & Social Assistance


  1. New Bedford, MA 
  2. Commercial Auto Insurance Cost Factors
  3. New Bedford was founded as a farming and fishing village. Today, business in this area is largely centered on fishing and manufacturing, while construction and retail firms also have a strong presence. No matter what sector your business belongs to, you’ll need commercial vehicle insurance to protect against threats like auto theft and collisions. 
  4. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  5. Auto theft rate in New Bedford 2.90 (Per every 1,000 vehicles)
  6. The number of vehicles you own and their makes and models are the most important factors in your overall New Bedford commercial auto insurance premium. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 
  7. The most prevalent industries in Lowell are:
  8. Construction
  9. Manufacturing
  10. Retail Trade


  1. Brockton, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Brockton is the seventh-largest city in Massachusetts, with a diverse mix of businesses and industries. Whether your business uses large trucks to haul goods or you own a construction company that transports building materials from place to place, you need the right commercial auto insurance. 
  4. Rates vary from business to business, depending on how many vehicles your company owns, the number of drivers you employ, and the crime rate in your city. If auto theft is an ongoing problem, you may pay more for coverage. 
  5. Auto theft rate in the U.S.  2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Brockton 2.93 (Per every 1,000 vehicles)
  7. The type of industry you are in likely plays a significant role in the types of vehicles you own and how much you will pay for insurance coverage. The most prevalent industries in Brockton are:
  8. Retail Trade
  9. Construction
  10. Accommodation & Food Service


  1. Quincy, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Quincy is a southern suburb of Boston. It was once a manufacturing and heavy industry center, with a thriving granite quarrying sector. Today the economy is driven by large employers in financial services, insurance, retail, and hospitality. 
  4. Whether your business vehicles are used for sales calls, deliveries, long haul trucking, or on construction sites, you need commercial vehicle insurance to protect against roadway threats, auto theft, and vandalism. 
  5. Auto theft rate in the U.S.  2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Quincy 1.06 (Per every 1,000 vehicles)
  7. The type of industry you are in likely plays a significant role in the types of vehicles you own and how much you will pay for insurance coverage. The most prevalent industries in Quincy are:
  8. Professional, Scientific & Technical Services
  9. Retail Trade
  10. Accommodation & Food Service


  1. Lynn, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Lynn is the ninth-largest city in Massachusetts, known for its contemporary public art, historic architecture, public parks and open spaces, and large international population. The economy is driven by manufacturing and retail industries. 
  4. Businesses in Lynn face a number of threats to their commercial autos, from collisions to theft and vandalism. The auto theft rate in Lynn is similar to the national average, so most business owners won’t face an increased risk for auto theft. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Lynn 2.38 (Per every 1,000 vehicles)
  7. The number of vehicles you own and their makes and models are the most important factors in your overall Lynn commercial auto insurance premium. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 
  8. The most prevalent industries in Lynn are:
  9. Manufacturing
  10. Retail Trade
  11. Administrative Support & Waste Management


  1. Fall River, MA 
  2. Commercial Auto Insurance Cost Factors
  3. Fall River in the 19th century was a leading textile manufacturing center. Today, manufacturing and construction drive the local economy. 
  4. Fall River commercial auto insurance rates vary significantly from business to business. Your insurance company will consider the number of vehicles and drivers, the makes and models of the vehicles, and more. You might pay more if your business is located in a city where your vehicles are more likely to be stolen or vandalized. Fall River’s auto theft rate is slightly higher than the national average, which can drive up auto insurance rates for businesses. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Fall River 2.69 (Per every 1,000 vehicles)
  7. What you pay for commercial auto insurance is highly dependent on the types of vehicles you own and what they do. Whether you own and operate delivery vans, semi-trucks, or compact cars will define your commercial auto insurance rates. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 
  8. The most prevalent industries in Fall River are:
  9. Manufacturing
  10. Construction
  11. Retail Trade