Popular QuestionsPopular Questions About Mississippi Commercial Auto Insurance

When do you need Mississippi 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.

You need commercial vehicle insurance to cover your business cars, trucks, and any other vehicles used in business operations. 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)

If your business owns vehicles and employs drivers, one traffic accident can cause serious problems. Your business will be held accountable for any damages caused by one of your drivers, and you will have to pay to repair other cars, your own vehicle, and the medical expenses for anyone who is injured. You may also be sued for additional damages.

With Mississippi commercial auto insurance, you can be sure you are protected from the devastating costs of car accidents and other threats to your vehicles and drivers. 

What does Mississippi commercial auto insurance cover?

Mississippi commercial auto insurance helps your business tackle expenses that are related to accidents or other mishaps with your commercial vehicles. It pays for physical damage to vehicles, medical bills for injured parties, and even to repair or replace stolen or vandalized 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.”
How is Mississippi commercial auto insurance different from personal auto insurance?

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. 
How much does Mississippi commercial auto insurance cost?

Mississippi commercial auto insurance premiums are based on a number of factors. Your costs are dependent on the number of vehicles your company owns and the types of coverage you need. Keep in mind that you may not need the same coverage for every vehicle. 

Costs for commercial auto insurance vary from business to business. A company with a fleet of trucks will pay more than a small business with a few cars used for sales calls or deliveries. 

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 Mississippi 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 auto claims history
How do I find the best commercial auto insurance in Mississippi?

Independent agents in Mississippi can work with multiple insurance companies, so it is wise to call a local agent for help. Trusted Choice agents can obtain quotes from multiple insurance companies so you can choose the coverage that is best for your unique risks. 

  • There are 208 independent agents in Mississippi who are ready to help. 
  • In 2017, our agents helped 1,427 Mississippi residents. 
Top Commercial Auto Insurance Companies in Mississippi

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

markel
cna insurance
foremost insurance group
liberty mutual insurance

InformationFind the Best Insurance in Your City

How does your city measure up to the national average?

AUTO THEFT RATE IN U.S. 2.37 (PER EVERY 1,000 VEHICLES)


CityAuto theft rate per 1,000Monthly insurance cost
Jackson6.53$116
Gulfport1.76$122
Southaven4$113
Hattiesburg1.48$115
Biloxi3.15$122
Meridian3.49$106
Tupelo2.67$105
Olive Branch3.01$113
Clinton0.38$118
Horn Lake5.76$113
Leland1.86$149
Pass Christian0.35$137
Long Beach0.57$131
Fulton0.1$135
New Albany0.12$136
Flowood2.39$130
Kosciusko0$121
Laurel1.42$134
Amory0.2$135
Clarksdale3.72$167
Ocean Springs2.32$140
Natchez1.33$99
Greenwood0.99$148
Senatobia0.7$148
Aberdeen0.92$149
Pearl0.43$116
Madison0.39$111
Ridgeland0.73$110
Starkville0.96$100
Vicksburg2.6$113
Columbus1.52$100
Pascagoula1.76$119
Brandon0.38$110
Oxford1.63$112
Gautier2.13$119
Forest0.53$123
Corinth1.76$136
Hernando0.26$129
Moss Point3.92$148
Canton1.04$150
Grenada1.37$148
McComb1.34$166
Brookhaven0.32$142
Cleveland0.99$139
Byram1.98$149
Yazoo City2.03$159
West Point0.27$141
Indianola0.98$133
Bay St. Louis1.8$136
Booneville0.29$126


Jackson, MS Commercial Auto Insurance

Jackson is the capital of Mississippi and the largest urban center in the state. It is home to several major industries, including manufacturing, food service, and retail. 

If you own a business in Jackson, 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 might cost more. 

AUTO THEFT RATE IN U.S. 2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN JACKSON 5.21 (PER EVERY 1,000 VEHICLES)

How far your commercial vehicles travel and their purpose is also a huge factor in the cost of Mississippi commercial auto insurance. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 

The most prevalent industries in Jackson are:

  • ACCOMMODATION & FOOD SERVICE
  • RETAIL TRADE
  • MANUFACTURING

Gulfport, MS Commercial Auto Insurance

Gulfport is the second largest city in Mississippi. In 2005, Gulfport suffered major damage to property and infrastructure from Hurricane Katrina. But the city has recovered, and its many businesses need a variety of commercial vehicles to transport goods and materials locally and across the U.S. 

Gulfport 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. 

AUTO THEFT RATE IN U.S. 2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN GULFPORT 2.47 (PER EVERY 1,000 VEHICLES)

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. 

The most prevalent industries in Gulfport are:

  • CONSTRUCTION
  • ACCOMMODATION & FOOD SERVICES
  • ENTERTAINMENT & RECREATION

Southaven, MS Commercial Auto Insurance

Southaven is the third largest city in Mississippi and the second most populous suburb of Memphis. It has a very safe city with a low auto theft rate. 

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. 

AUTO THEFT RATE IN U.S.  2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN SOUTHAVEN 0.64 (PER EVERY 1,000 VEHICLES)

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 Southaven are:

  • TRANSPORTATION & WAREHOUSING
  • MANUFACTURING
  • CONSTRUCTION

Hattiesburg, MS Commercial Auto Insurance

Hattiesburg has a diverse economy, strong neighborhoods, and a convenient central Mississippi location. It is an important economic center for Mississippi, with major industries including retail, education, and hospitality. Hattiesburg is also home to several higher education institutions and the largest National Guard training base east of the Mississippi River. 

Hattiesburg is a generally safe city with a low auto theft rate, which is great news for local business owners. If you own commercial autos, you likely will pay less for coverage than in other cities because your business-owned vehicles are less likely to be stolen or vandalized.  

AUTO THEFT RATE IN U.S. 2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN HATTIESBURG 1.83 (PER EVERY 1,000 VEHICLES)

The number of vehicles you own and their makes and models are the most important factors in your overall Hattiesburg commercial auto insurance premium. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 

The most prevalent industries in Hattiesburg are:

  • RETAIL TRADE
  • EDUCATIONAL SERVICES
  • ACCOMMODATION & FOOD SERVICES

Biloxi, MS Commercial Auto Insurance

Biloxi is a popular tourist destination because of its coastal location and prevalence of waterfront casinos, concerts, restaurants and resorts. Hurricane Katrina hit Biloxi hard in 2005. Before the storm, it was the third largest city in Mississippi; the post-Katrina exodus resulted in its current place as the fifth-largest city in Mississippi. 

Business owners in Biloxi pay varying rates for commercial auto insurance. A greater likelihood for accidents and thefts can drive up insurance costs, and in Biloxi, auto theft is higher than in the U.S. overall.  

AUTO THEFT RATE IN U.S. 2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN BILOXI 3.37 (PER EVERY 1,000 VEHICLES)

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. 

The most prevalent industries in Biloxi are:

  • CONSTRUCTION
  • PUBLIC ADMINISTRATION
  • ACCOMMODATION & FOOD SERVICE

Meridian, MS Commercial Auto Insurance

Meridian has a diverse economy based in manufacturing, construction and retail. It also has a strong healthcare sector, and the area is also served by two military facilities. 

No matter what sector your business belongs to, you’ll need commercial vehicle insurance to protect against threats like auto theft and collisions. Auto theft can be a concern in Meridian. If your business-owned autos are more likely to be stolen or vandalized, you may pay more for your commercial auto coverage in Meridian. 

AUTO THEFT RATE IN U.S. 2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN MERIDIAN 3.45 (PER EVERY 1,000 VEHICLES)

The number of vehicles you own and their makes and models are the most important factors in your overall Meridian commercial auto insurance premium. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 

The most prevalent industries in Meridian are:

  • MANUFACTURING
  • CONSTRUCTION
  • RETAIL TRADE

Tupelo, MS Commercial Auto Insurance

Tupelo was the first city in the U.S. to put in place an electrical power grid. Historically it has served as a regional transportation hub, and today it has a strong tourism and hospitality sector, as well as manufacturing, retail, and distribution companies. 

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. Tupelo is highly susceptible to severe weather and tornados, which can cause damage to property and vehicles. Fortunately, the city has a relatively low property crime rate, which eliminates some risk exposure for your business-owned vehicles. 

AUTO THEFT RATE IN U.S.  2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN TUPELO UNREPORTED

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 Tupelo are:

  • MANUFACTURING
  • RETAIL TRADE
  • ACCOMMODATION & FOOD SERVICE 

Olive Branch, MS Commercial Auto Insurance

Olive Branch was the fastest growing city in the U.S. from 1990 to 2010, and continues to grow at a rapid pace as middle class families move out of central Memphis into the suburbs. The economy in Olive Branch is driven by small businesses that have called the city home for decades, as well as the manufacturing, transportation, and retail industries. 

Businesses in Olive Branch face a number of roadway threats for their commercial autos, from collisions to theft and vandalism. The auto theft rate in Olive Branch is lower than the national average, so most business owners don’t face an increased risk for auto theft. 

AUTO THEFT RATE IN U.S. 2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN OLIVE BRANCH 1.09 (PER EVERY 1,000 VEHICLES)

The number of vehicles you own and their makes and models are the most important factors in your overall Olive Branch commercial auto insurance premium. Depending on your industry, you may have several different types of vehicles that serve multiple purposes. 

The most prevalent industries in Olive Branch are:

  • MANUFACTURING
  • TRANSPORTATION & WAREHOUSING
  • RETAIL TRADE

Horn Lake, MS Commercial Auto Insurance

Horn Lake is an important business center in Mississippi, driven largely by the manufacturing, transportation, and construction industries. Several large manufacturers make their home in Horn Lake. 

Fortunately for Horn Lake business owners, the city’s low crime rate translates into lower commercial auto insurance rates. Auto theft is relatively rare in Horn Lake, and while your insurance company will a 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.

AUTO THEFT RATE IN U.S. 2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN HORN LAKE 0.81 (PER EVERY 1,000 VEHICLES)

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. 

The most prevalent industries in Horn Lake are:

  • MANUFACTURING
  • TRANSPORTATION & WAREHOUSING
  • CONSTRUCTION

Clinton, MS Commercial Auto Insurance 

Clinton is the tenth largest city in Mississippi. It has at times been home to several large corporations, but most have since left the area. Today, the city’s economy is driven by retail, manufacturing, and hospitality businesses. 

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. Clinton is a very safe city with a low rate of property crime, and you may be able to pay less for commercial auto insurance as a result. 

AUTO THEFT RATE IN U.S.  2.37 (PER EVERY 1,000 VEHICLES)

AUTO THEFT RATE IN CLINTON UNREPORTED

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 Mississippi. The most prevalent industries in Clinton are:

  • RETAIL TRADE
  • MANUFACTURING
  • ACCOMMODATION & FOOD SERVICE