Popular QuestionsPopular Questions about Utah Commercial Auto Insurance

When do you need Utah 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.

The risks you face as a locally owned business are immense. It's almost hard to keep track of them, but company vehicles are an important part of the equation, that can't be missed. No matter what industry you're in, if you have a company car, you need coverage to protect against motor vehicle accidents and resulting liability expenses. Situations like this can financially devastate a small company that is not property insured. Luckily, a comprehensive commercial vehicle insurance policy can protect your business from the financial impact an accident can have.

Here’s What Full Coverage Commercial Auto Insurance Looks Like:

Utah commercial auto insurance will pay for covered claims so your business doesn’t have to. It will protect businesses that use commercial trucks, make deliveries or offer transportation services. Whether you get into an accident or experience an auto theft, coverage will make sure you stay financially stable.

  • 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 Utah commercial auto Insurance different from personal auto insurance?
  • Commercial auto insurance can be more expensive than a personal auto policy.
  • Commercial auto insurance will often have higher coverage limits.
  • Commercial auto insurance covers only drivers who are listed on the policy.
The cost of Utah commercial vehicle insurance

With commercial vehicle insurance, there is no “one size fits all.” The variables that affect the kind of coverage you need include the size of your company and whether you have one company car, a dump truck, a fleet of limousines or freight trucks, or a few delivery vans, not to mention the state and local regulations you must keep in mind. That's why each policy is different — and why you'll pay more or less than your neighbors.

  • 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: $2500+

Utah commercial vehicle insurance rates vary based on these factors:

  • Driving history of drivers on policy
  • Number and age of vehicles on policy
  • Number of drivers on policy
  • Auto claims history of business
Top Utah insurance companies for commercial vehicles
liberty mutual insurance
foremost insurance group
mutal of enumclaw insurance

InformationFind the Best Utah Commercial Vehicle Insurance in Your City

How Does Your City Measure Up?

Salt Lake City

Largest Salt Lake City Industries That Need Commercial Auto Insurance

  • Retail trade | 13%
  • Manufacturing | 13%
  • Professional, scientific and technical services | 11%

Factors Affecting Commercial Auto Insurance in Salt Lake City

City safety is a big factor in determining the cost of your Salt Lake City commercial auto insurance rates. Remember that it’s the city where the vehicle is housed, not just driven — and that it's important to protect your property and business against the unique risks in your specific area.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Salt Lake City auto theft rate  (per 1,000 vehicles): 4.61

Park City

Largest Park City Industries That Need Commercial Auto Insurance

  • Arts, entertainment and recreation | 15%
  • Professional, scientific and technical services | 13%
  • Accommodation and food services | 13%

Factors Affecting Commercial Auto Insurance in Park City

When you look at insurance options, you must consider the city's crime rate and average amount of vehicle-related crime. Accidents and break-ins can happen without warning, and you don't want to be caught in a situation without proper coverage.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Park City auto theft rate (per 1,000 vehicles): 4.50

Price

Largest Price Industries That Need Commercial Auto Insurance

  • Administrative and support, and waste management services | 10%
  • Retail trade | 9%
  • Mining, quarrying, and oil and gas extraction | 9%

Factors Affecting Commercial Auto Insurance in Price

The city where your vehicles are housed matters. The crime rate in the area will determine how much you pay for coverage and how much you need. Luckily, Price is generally a safe area, but it's always a good idea to be overprotected in case something happens.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Price auto theft rate (per 1,000 vehicles): 0.72

West Valley

Largest West Valley Industries That Need Commercial Auto Insurance

  • Manufacturing | 15%
  • Retail trade | 10%
  • Construction | 9%

Factors Affecting Commercial Auto Insurance in West Valley

Depending on how safe your city and neighborhood are, your commercial auto insurance rate could be higher or lower than the national average. Your coverage should take these things into account. That way, you'll receive 360 degrees of protection that cover the unique risks you face in West Valley.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • West Valley auto theft rate (per 1,000 vehicles): 1.05

Provo

Largest Provo Industries That Need Commercial Auto Insurance

  • Educational services | 20%
  • Retail trade | 12%
  • Professional, scientific and technical services | 9%

Factors Affecting Commercial Auto Insurance in Provo

Your commercial auto insurance rate will be based on specific factors like the location of your business and the crime rate in the area. You don't want to experience the aftermath of an auto theft or break-in, which is why you need comprehensive insurance to keep things running smoothly.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Provo auto theft rate (per 1,000 vehicles): 1.31

West Jordan

Largest West Jordan Industries That Need Commercial Auto Insurance

  • Manufacturing | 16%
  • Retail trade | 14%
  • Construction | 11%

Factors Affecting Commercial Auto Insurance in West Jordan

One of the many factors that will impact how much you pay for commercial auto insurance is city safety. The average crime rate in the area where your vehicle is housed will give you an idea of how much and what kind of coverage you need. That's why it's a good idea to have on your side a Trusted Choice agent, who can give you information you need and coverage you can trust.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • West Jordan auto theft rate (per 1,000 vehicles):2.55

Orem

Largest Orem Industries That Need Commercial Auto Insurance

  • Manufacturing | 13%
  • Educational services | 12%
  • Retail trade | 12%

Factors Affecting Commercial Auto Insurance in Orem

Orem's auto theft rate is lower than the national average, yet it can still impact how much you pay for commercial auto insurance. Remember that coverage is determined by the city where the vehicle is housed, not just driven. Anything from a break-in to a vehicle theft can wreak financial havoc on your business, so make sure you're prepared against the risks you face in the area.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Orem auto theft rate (per 1,000 vehicles): 1.32

Sandy

Largest Sandy Industries That Need Commercial Auto Insurance

  • Retail trade | 15%
  • Professional, scientific and technical services | 11%
  • Construction | 10%

Factors Affecting Commercial Auto Insurance in Sandy

Did you know that the crime rate in Sandy is almost the same as the national rate? City safety is a big factor in determining the cost of your commercial auto insurance rates, which is why coverage may be higher than you expect. You need the right kind of protection against the risks you face, so talk to a Trusted Choice agent to make sure your cars are safe from thefts, break-ins and accidents.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Sandy auto theft rate (per 1,000 vehicles): 2.26

Ogden

Largest Ogden Industries That Need Commercial Auto Insurance

  • Manufacturing | 25%
  • Construction | 15%
  • Administrative and support, and waste management services | 10%

Factors Affecting Commercial Auto Insurance in Ogden

A number of factors will go into determining how much coverage you need and how much you'll pay for commercial vehicle insurance. One of the most important things that often gets overlooked is city crime. It's important to know how likely it is for you to experience a break-in or theft — and to have peace of mind knowing you're completely covered.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Sandy auto theft rate (per 1,000 vehicles): 3.55

St. George

Largest St. George Industries That Need Commercial Auto Insurance

  • Accommodation and food services | 15%
  • Retail trade | 13%
  • Construction | 11%

Factors Affecting Commercial Auto Insurance in St. George

Your St. George commercial auto insurance rate is based not only on the types of vehicles you're insuring but also on the average amount of crime in your area. There are a lot of things to consider, but looking at the averages will give you an idea of how much protection you'll need.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Sandy auto theft rate (per 1,000 vehicles): 1.37

Layton

Largest Layton Industries That Need Commercial Auto Insurance

  • Manufacturing | 17%
  • Retail trade | 13%
  • Public administration | 11%

Factors Affecting Commercial Auto Insurance in Layton

City safety is a big factor in determining the cost of your Layton commercial auto insurance rates. That's why you should look at auto theft rates in your city — so you can see what you're up against and protect yourself appropriately. A Trusted Choice agent can find you the coverage you need at a price you can afford so a break-in or accident doesn't damage your bottom line.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Sandy auto theft rate (per 1,000 vehicles): 0.77

Taylorsville

Largest Taylorsville Industries That Need Commercial Auto Insurance

  • Manufacturing | 15%
  • Retail trade | 13%
  • Construction | 12%

Factors Affecting Commercial Auto Insurance in Taylorsville

Your Taylorsville commercial auto insurance rate is unique to you, your business and the vehicles you're trying to insure. Remember that it’s based on the city where the vehicle is housed, not just driven. Don't let a break-in, stolen vehicle or damaged car break the bank — get comprehensive insurance and stay on top of any unexpected accidents.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Taylorsville auto theft rate (per 1,000 vehicles): 0.95


SOUTH JORDAN

Largest South Jordan Industries That Need Commercial Auto Insurance

  • Fanufacturing | 14%
  • Finance and insurance | 10%
  • Professional, scientific and technical services | 9%

Factors Affecting Commercial Auto Insurance in South Jordan

City safety is a big factor in determining the cost of your South Jordan commercial auto insurance rates. Your coverage needs to match the specific risks you're up against. That way, you, your business and your company cars will be completely protected just in case an accident results in harm, or a criminal causes damage.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • South Jordan auto theft rate (per 1,000 vehicles): 1.38

Logan

Largest Logan Industries That Need Commercial Auto Insurance

  • Manufacturing | 22%
  • Educational services | 15%
  • Retail trade | 13%

Factors Affecting Commercial Auto Insurance in Logan

Logan may be a safe area, but theft rates can still impact the cost of your commercial auto insurance rates. Remember that it’s based on the city where the vehicle is housed, not just driven. To make things less complicated, you should team up with a Trusted Choice agent and find a comprehensive, yet affordable, policy.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Logan auto theft rate (per 1,000 vehicles): 0.48

Lehi

Largest Lehi Industries That Need Commercial Auto Insurance

  • Professional, scientific and technical services | 14%
  • Manufacturing | 13%
  • Retail trade | 11%

Factors Affecting Commercial Auto Insurance in Lehi

When you look at insurance options, you must consider the city's crime rates and average amount of vehicle-related crime. Accidents and break-ins can happen without warning, and you don't want to be caught in a situation without proper coverage. So get the right coverage with a Trusted Choice agent today.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Lehi auto theft rate (per 1,000 vehicles): 0.43

Murray

Largest Murray Industries That Need Commercial Auto Insurance

  • Manufacturing | 15%
  • Retail trade | 11%
  • Construction | 9%

Factors Affecting Commercial Auto Insurance in Murray

Take note: The crime rate in Murray is much higher than the national rate. City safety is a big factor in determining the cost of your commercial auto insurance rates, which is why coverage may be higher than you expect. You need the right kind of protection against the risks you face, so talk to a Trusted Choice agent to make sure your cars are safe from theft, break-ins and accidents.

2.94

National Auto Theft Rate 
(per 1,000 vehicles)

8.55

MURRAY Auto Theft Rate 
(per 1,000 vehicles)

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Murray auto theft rate (per 1,000 vehicles): 8.55

Bountiful

Largest Bountiful Industries That Need Commercial Auto Insurance

  • Retail trade | 13%
  • Professional, scientific and technical services | 11%
  • Manufacturing | 10%

Factors Affecting Commercial Auto Insurance in Bountiful

Although Bountiful's auto theft rate is lower than the national average, it can still impact how much you pay for commercial auto insurance. Remember that coverage is determined by the city where the vehicle is housed, not just driven. Anything from a break-in to a vehicle theft can wreak financial havoc on your business, so make sure you're prepared against the risks you face in the area.

  • National auto theft rate (per 1,000 vehicles): 2.94
  • Bountiful auto theft rate (per 1,000 vehicles): 1.85