Pennsylvania Commercial Auto Insurance

Your Complete Commercial Vehicle Insurance Guide for Pennsylvania

Full analysis of auto theft rates and top industries in your city and state.

Popular Questions about Pennsylvania Commercial Auto Insurance

When do you need Pennsylvania commercial auto insurance?

When you are transporting people or goods with your own vehicle. Think of trucks making deliveries or of a limo service.

When your employees operate a vehicle you own for business purposes. Think of a salesperson meeting with clients around the state.

Small businesses are the backbone of Pennsylvania's economy. This state is a great place to chase your entrepreneurial dreams, but running a business comes with serious risks. If you own company vehicles, the risks substantially increase. A routine car accident can quickly become disastrous if the company car isn't adequately insured, with liability expenses piling up and creating a mountain of debt. Commercial vehicle insurance safeguards your Pennsylvania business from financial damage after a collision.

Here’s what full coverage commercial auto insurance looks like:

Pennsylvania commercial auto insurance can protect your business from a number of serious risks. If the company vehicle is involved in an accident, your insurance policy will cover the cost of medical bills or vehicle repairs. Uninsured motorist coverage will protect your assets if your business vehicle is damaged in an accident caused by an uninsured driver.

  • Pays for someone else’s medical bills. We call this “bodily injury liability.”
  • Pays for damage to your commercial vehicle. We call this “comprehensive & collision coverage."
  • Pays for damage to someone else's vehicle. We call this “physical damage liability.”
  • Pays you if an uninsured driver causes an accident. We call this “uninsured motorist coverage."

How is Pennsylvania commercial auto insurance different from personal auto insurance?

  • Commercial auto insurance can be more expensive than a personal auto policy.
  • Commercial auto insurance often has higher coverage limits.
  • Commercial auto insurance covers only drivers who are listed on the policy.

The cost of Pennsylvania commercial vehicle insurance

When you shop for commercial vehicle insurance, keep in mind that rates can vary significantly based on several factors. If your business owns a single car, the cost will be low compared with the cost to another business that owns a whole fleet of commercial trucks and cargo vans. Rates will also change depending on the size and use of your vehicles.

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

Pennsylvania commercial vehicle Insurance rates vary based on these factors:

  • Driving history of drivers on the policy
  • Number and age of vehicles on the policy
  • Number of drivers on the policy
  • Auto claims history of the business

Find the best Pennsylvania commercial vehicle insurance in your city

To get the lowest rates on Pennsylvania commercial auto insurance, look for an independent insurance agent in your city. Independent agents are free to quote from multiple policies, giving you more options and better chances of finding a personalized coverage plan that is right for your business.

Phoenixville

Largest Phoenixville Industries That Need Commercial Auto Insurance

  • Manufacturing | 17%
  • Health care & social assistance | 23%
  • Administrative, support and waste management services | 10%

Factors Affecting Commercial Auto Insurance in Phoenixville

One of the perks of living in Phoenixville is the low crime rate. Auto theft is pretty rare in this area, which could help lower rates on commercial vehicle insurance. Your business industry will also impact your rates. Vehicles used to transport hazardous materials for manufacturing have higher insurance costs compared with a company car used for transporting employees short distances. The level of risk your vehicle will encounter is directly tied to the cost for insurance.

2.94

National auto theft rate 
(per 1,000 vehicles)

0.6

Phoenixville auto theft rate 
(per 1,000 vehicles)

Ephrata

Largest Ephrata Industries That Need Commercial Auto Insurance

  • Health care | 17%
  • Manufacturing | 17%
  • Construction | 8%

Factors Affecting Commercial Auto Insurance in Ephrata

Ephrata is a growing city, with thriving health care and manufacturing industries. Rates for commercial vehicle insurance  vary depending on your business sector and the risks you face. The city crime rate also influences auto insurance costs, but luckily, the crime rate is quite low in Ephrata. Since auto theft is rare, you might see reduced costs for commercial auto insurance.

  • National auto theft rate (per 1,000 vehicles) 2.94 
  • Ephrata auto theft rate (per 1,000 vehicles): 0.36

Coatesville

Largest Coatesville Industries That Need Commercial Auto Insurance

  • Health care | 17%
  • Manufacturing| 13%
  • Transportation | 5%

Factors Affecting Commercial Auto Insurance in Coatesville

Rates on Coatesville commercial auto insurance are based on several factors. City safety plays a big role because areas with a high crime rate have an increased risk for auto theft. In Coatesville, the auto theft rate is slightly lower than the national average, which could help lower rates. Your premium will also depend on the number of vehicles you need to insure and the driving records of your employees who are driving the business vehicles. 

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Coatesville auto theft rate (per 1,000 vehicles): 2.13

Franklin Park

Largest Franklin Park Industries That Need Commercial Auto Insurance

  • Professional, scientific and technical services | 15%
  • Health care | 15%
  • Manufacturing | 7%

Factors Affecting Commercial Auto Insurance in Franklin Park

Franklin Park commercial vehicle insurance can vary in price depending on how many vehicles your business owns and who is driving them. Rates are ultimately tied to your risk factors. If your business has a fleet of trucks racking up lots of mileage each day to transport manufacturing goods, you'll have a higher risk for accidents, which could increase your rates. On the other hand, a single company-owned vehicle used primarily for traveling back and forth to a medical research lab will have lower rates.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Franklin Park auto theft rate (per 1,000 vehicles): 0

Kingston

Largest Kingston Industries That Need Commercial Auto Insurance

  • Health care | 22%
  • Manufacturing | 10%
  • Construction | 4%

Factors Affecting Commercial Auto Insurance in Kingston

The crime rate in your area will play a big role in your rates for commercial auto insurance. In Kingston, auto theft is pretty rare, which could help you save on your insurance premiums. You'll also see a difference in cost from one industry to the next. That's largely because each industry is different in terms of the number of vehicles the company owns and the way they are used. It's more expensive for a manufacturing company to insure a fleet of trucks than for a business that only needs to insure a single company car.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Kingston auto theft rate (per 1,000 vehicles): 0.39

Meadville

Largest Meadville Industries That Need Commercial Auto Insurance

  • Health care | 20%
  • Manufacturing | 9%
  • Transportation | 4%

Factors Affecting Commercial Auto Insurance in Meadville

In cities where the crime rate is high, commercial auto insurance premiums tend to be more expensive. Fortunately, Meadville has a very low auto theft rate, which helps local businesses save on the cost to insurance company-owned vehicles. Your rate will also depend on the number of vehicles you need to cover, your drivers and their driving history. It  will also depend on whether you face elevated risks due to transporting hazardous materials. 

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Meadville auto theft rate (per 1,000 vehicles): 0.46
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