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 1,000Insurance Cost (Yearly)
Cambridge1.19$127
Worcester2.16$166
Springfield4.11$112
Lowell1.81$144
Boston2.31$141
Acton0.21$101
Auburn0.97$131
Bridgewater2.39$119
Burlington0.77$114
Belmont0.2$123
New Bedford2.9$113
Brockton2.74$107
Quincy0.66$165
Lynn2.53$148
Fall River2.68$155
Plymouth0.32$122
Peabody0.86$143
Pittsfield0.74$173
Attleboro1.02$141
Arlington0.4$109
Salem1.21$139
Westfield0.62$126
Methuen1.27$125
Fitchburg1.56$167
Beverly0.41$114
Amherst0.28$116
Braintree1.25$113
Chicopee1.81$171
Framingham0.76$117
Medford0.84$115
Needham0.03$106
Newton0.2$109
Hyannis0.45$148
Waltham0.69$122
Taunton1.59$146
North Andover0.23$104
Danvers0.72$113
Norwell0.27$106
Woburn0.51$118
Norwood0.93$116
Brookline2.31$172
Barnstable0.45$148
Gloucester0.54$111
Chelsea3.18$151
Dartmouth0.89$136
Weymouth0.68$117
Dorchester2.31$159
Mansfield0.68$118
Billerica0.16$108

Popular Questions About Michigan 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) 

Whether you provide cars for your salespeople or own semi trucks for transporting goods across the country, one traffic accident can be a serious hit to your financial stability. Whether it is a fender-bender or a serious accident with fatalities, your business will be held responsible if one of your drivers causes an accident. 

Your company will need to pay for the damage to other cars and for the medical expenses of any injured drivers or passengers. You may also be sued for additional damages.

Michigan commercial auto insurance protects your business from the costs of car accidents and other roadway threats.

Michigan commercial auto insurance pays for a variety of expenses when one of your business-owned vehicles is involved in an accident. It also helps you pay for damages if your car is stolen or vandalized, or if your car is damaged by some other unexpected event, such as hail or a falling tree. 

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.

Commercial vehicle insurance premiums vary from business to business. A restaurant owner with two cars for takeout deliveries will not pay the same as a construction company with a fleet of heavy trucks. 

Commercial auto insurance rates 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). 

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 Michigan 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

An independent insurance agent in Michigan can find the best commercial auto insurance policy for your company’s needs and budget. Independent agents can work with multiple insurance companies, so you’ll be able to review multiple quotes and choose the coverage that is best for your unique risks. 

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

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Find Commercial Auto Insurance in your City

  1. Detroit, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Detroit is the center of the third-largest economic region in the Midwest. While it was once a major population center and the worldwide leader in automobile manufacturing, decades of economic decline have presented Detroit with a number of challenges. Ever resilient, however, the city in recent years has seen an improved economic outlook as well as a boom in construction activity as the downtown area undergoes rehabilitation and young professionals move into the downtown area in large numbers. 
  4. If you own a business in Detroit, the crime rate is concerning. If you own commercial vehicles, the greater likelihood that a car will be stolen or vandalized means that your insurance will cost more. But because Detroit is a major transportation hub, it is an essential place to do business for companies who are moving goods. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Detroit 13.31 (Per every 1,000 vehicles)
  7. How far your commercial vehicles travel and their purpose is also a huge factor in the cost of Michigan 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 Detroit are:
  9. Manufacturing
  10. Retail Trade
  11. Administrative Support & Waste Management


  1. Grand Rapids, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Grand Rapids is the second largest city in Michigan. It has historically been a furniture-manufacturing center, and five of the world’s largest office furniture companies call Grand Rapids home. These and many other Grand Rapids businesses need a variety of commercial vehicles to transport goods and materials locally and across the U.S. 
  4. Grand Rapids 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. Fortunately, Grand Rapids has a low auto theft rate. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Grand Rapids 1.58 (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 Grand Rapids are:
  9. Manufacturing
  10. Accommodation & Food Services
  11. Educational Services


  1. Sterling Heights, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Sterling Heights is the third largest city in Michigan and an important suburb of Detroit. It has often been ranked as the safest city in Michigan, which is great news for business owners with commercial vehicles. 
  4. If your business is located in a city where your vehicles are less likely to be stolen or vandalized, you may be able to save on your commercial auto insurance costs. Other factors—such as the number of cars you own, their makes and models, and what they are used for—also influence how much you will pay. 
  5. Auto theft rate in the U.S.  2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Sterling Heights 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 Sterling Heights are:
  8. Manufacturing
  9. Retail Trade
  10. Construction


  1. Lansing, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Lansing is the capital of Michigan and one of the largest cities in the state. It is an important economic center for Michigan, with major industries including government, education, insurance, healthcare, and automobile manufacturing. 
  4. Unfortunately, the auto theft rate is higher than average in Lansing. If you own commercial autos, you might pay more than in other cities because your business-owned 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. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Lansing 3.28 (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 Lansing 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 Lansing are:
  9. Manufacturing
  10. Accommodation & Food Service
  11. Construction


  1. Ann Arbor, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Ann Arbor is home to the University of Michigan. The university is central to the city’s economy, and most of its industry revolves around it and its students and employees. The technology sector is also strong in Ann Arbor. 
  4. Business owners in Ann Arbor pay varying rates for commercial auto insurance. A greater likelihood for accidents and thefts can drive up insurance costs, but in Ann Arbor, 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 Ann Arbor 0.99 (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 Ann Arbor are:
  9. Educational Services
  10. Manufacturing
  11. Healthcare & Social Assistance


  1. Flint, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Flint, MI faces a variety of economic challenges. It was once a leading manufacturer of automobiles, but since the 1960s, the population of the city has been halved, and industry has been hit hard. Today, businesses in this area are largely centered on manufacturing, while construction and retail firms also have a strong presence. 
  4. No matter what sector your business belongs to, you’ll need commercial vehicle insurance to protect against threats like auto theft and collisions. Flint has a very high overall crime rate, but its auto theft rate is similar to the national average. 
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Flint 2.62 (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 Flint 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 Flint are:
  9. Manufacturing
  10. Construction
  11. Retail Trade


  1. Dearborn, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Dearborn is the seventh-largest city in Michigan, with a diverse mix of businesses and industries. It was the home of Henry Ford and serves as the worldwide headquarters for the Ford Motor Company. Retail, construction, and transportation businesses are also prevalent in Dearborn. 
  4. 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. 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 Dearborn 3.65 (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 Dearborn are:
  8. Manufacturing
  9. Retail Trade
  10. Transportation & Warehousing


  1. Livonia, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Livonia is a large suburb of Detroit. Employers in manufacturing, retail, and construction drive the economy. 
  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 Livonia 1.66 (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 in Michigan. The most prevalent industries in Livonia are:
  8. Manufacturing
  9. Retail Trade
  10. Construction


  1. Westland, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Westland is the ninth-largest city in Michigan, known for its abundance of public parks where residents can see deer, fox, and hummingbirds throughout the year. The economy in Westland is driven by manufacturing and retail industries. 
  4. Businesses in Westland face a number of roadway threats for their commercial autos, from collisions to theft and vandalism. The auto theft rate in Westland is lower than the national average, so most business owners don’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 Westland 2.04 (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 Westland 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 Westland are:
  9. Manufacturing
  10. Retail Trade
  11. Administrative Support & Waste Management


  1. Troy, MI 
  2. Commercial Auto Insurance Cost Factors
  3. Troy is a northern suburb of Detroit, and in 2011 it was ranked the safest city in Michigan. Troy is an important business center for the state, driven largely by the automotive and financial sectors. Several large corporations have headquarters in Troy.
  4. Fortunately for Troy business owners, the city’s low crime rate translates into lower commercial auto insurance rates. Auto theft is relatively rare in Troy, and while your insurance company will consider a number of other factors when calculating your auto insurance rates, being located in a safe city is important can help keep costs down.
  5. Auto theft rate in the U.S. 2.37 (Per every 1,000 vehicles)
  6. Auto theft rate in Troy 0.74 (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 Troy are:
  9. Manufacturing
  10. Professional, Scientific & Technical Services
  11. ·Retail Trade