Progressive Commercial Auto Insurance Review and Quotes (2025)
Progressive is a solid choice for commercial auto insurance thanks to its flexible coverage options, competitive fleet rates, and tech-forward tools like Snapshot ProView.
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Written byBen Luthi
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
Table of contents
Progressive offers specialized commercial auto insurance coverage for small businesses, contractors, rideshare drivers, and large fleets. Whether you’re insuring a single food truck, a for-hire vehicle, or a dozen delivery vans, Progressive provides protection to help safeguard your business assets.
Progressive doesn’t offer many add-on coverages to customize your policy, and some vehicles aren’t eligible for coverage. But it provides helpful tools like Snapshot ProView to track and improve fleet safety.
Quick Facts
Progressive offers customizable commercial auto insurance along with helpful digital tools.
The insurer provides extensive vehicle coverage and several discount opportunities.
Progressive is financially strong and offers same-day policy options but doesn’t cover all types of specialty vehicles.
Progressive commercial auto insurance at a glance
Progressive
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Progressive offers flexible and robust commercial auto insurance coverage for various business types. With options available for everything from contractor vans to tractor trailers, Progressive can tailor a policy to meet your company’s unique insurance needs.
Along with price transparency, it stands out for its fleet management tools and accessible claims process. Depending on your business type, the company states that average premiums can range from $257 per month for contractors to $1,041 per month for a for-hire transport truck.[1]
For small to midsize businesses, contractors, delivery services, and fleets requiring coverage, Progressive is worth considering.
Pros
Covers many types of vehicles
Telematics-driven safety program
Price transparency
Cons
Some specialty or older vehicles may be ineligible for coverage
Few optional coverages available
Not available in Washington, D.C.
How Progressive commercial auto insurance works
Progressive commercial auto insurance offers protection for business-use vehicles, including liability coverage, physical damage protection, and specialized add-ons for hired and non-owned vehicles. Policies are designed around business vehicles’ specific risk profiles and usage.
One standout feature the company offers is Snapshot ProView. This telematics tool tracks driver behavior and vehicle usage, helping businesses manage fleet safety and potentially qualify for discounts. Fleet management tools through the program include:
Near-live vehicle tracking
Geofencing
Trip reporting
Safety scorecards
To simplify coverage management and reduce costs, Progressive also allows bundling with other business insurance policies. Whether you run a one-person handyman business or operate a fleet of box trucks, you can customize Progressive’s policies to fit your operation.
You can get an insurance quote online or through an independent insurance agent. In addition to quotes, the company can assist with state filings in select states and federal filings for interstate trucking, hazardous cargo, for-hire trucking, and for-hire passenger transportation.
Customize Your Commercial Auto Policy
Protect your business vehicles today
Progressive commercial auto discounts
Commercial auto insurance discounts can help you maximize your savings on coverage, so it’s important to pay attention to what insurance companies offer.
With Progressive, discounts primarily focus on your relationship with the insurer and safe driving. See below for some of the discounts the insurer offers:
Business Discount Type | Potential Savings |
|---|---|
| Prior insurance (if you’ve maintained continuous coverage for 12 months preceding your quote) | Not disclosed |
| Multi-product bundling | Not disclosed |
| Pay in full | 13%+ |
| Electronic payment | Not disclosed |
| Personal vehicle bundling | Not disclosed |
| Smart Haul program | 12%+ |
| Snapshot ProView | 8%–20% |
Progressive commercial auto ratings
Financial strength and customer satisfaction ratings are essential considerations when choosing a commercial auto insurer. Strong financial ratings indicate the company’s ability to pay claims reliably, even during widespread events or economic downturns.
Customer satisfaction scores reflect real-world service quality, including claims handling, billing, and support. These ratings help business owners assess an insurer’s trustworthiness, stability, and overall value before committing to a policy.
Overall, Progressive has strong financial strength, ranking just below the best possible score.[2] While J.D. Power doesn’t include the insurer in its small commercial insurance satisfaction study, Progressive has a high volume of customer complaints compared to other commercial insurers. Here’s a look at Progressive’s industry ratings:
Rating Source | Score | What This Means |
|---|---|---|
| AM Best Financial Strength | A+ | Very reliable |
| J.D. Power Small Commercial Insurance Customer Satisfaction | Not rated | Not rated |
| NAIC Commercial Complaint Index | 2.95 | More complaints than expected |
Progressive commercial auto coverage options
Progressive provides basic coverage options plus a few add-ons. But its customization options are limited compared to other commercial auto insurers. Coverage options include the following:[3]
Liability coverage
Liability insurance pays for bodily injury and property damage if you or an employee causes an accident while driving a business vehicle. You can choose split limits or a combined single limit. It’s important to note that commercial liability limits are typically higher than personal auto policy limits due to increased exposure for businesses.
Comprehensive and collision coverage
Comprehensive insurance pays for business vehicle damage caused by theft, vandalism, fire, or weather events. Collision insurance pays for vehicle repairs if your car hits another car or object, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damage if a driver without insurance or inadequate coverage hits your commercial vehicle. It can cover medical bills and vehicle repair costs.
Medical payments coverage
Medical payments coverage helps pay for medical expenses for the driver and their passengers after an accident, no matter who was at fault.
Hired auto coverage
Hired auto coverage protects vehicles that you rent, lease, or borrow for business purposes. It extends your existing liability protection to that vehicle.
Non-owned auto coverage
Non-owned auto coverage applies when employees use their personal vehicles for work tasks. If they’re involved in an accident during a business errand, this coverage helps protect your company from liability.
Roadside assistance coverage
Roadside assistance pays for up to one hour of labor if a covered vehicle breaks down. Services include towing, locksmithing, flat-tire changes, fuel or fluid delivery, jump-starts, and more.
Additional business insurance options
In addition to commercial auto insurance, Progressive offers several business insurance products, including the following:
General liability insurance: This provides protection against lawsuits stemming from regular business operations.
Professional liability insurance: Also known as errors and omissions insurance, it protects you against lawsuits arising from professional advice and services you provide.
Business owners policy: This policy includes property and liability insurance in one package.
Cyber insurance: Cyber insurance protects your business against threats to computer systems and data.
Contractors insurance: This protects contractor businesses against work-related accidents and lawsuits.
Inland marine insurance: Inland marine insurance offers additional coverage for tools and equipment that are lent, transported, or stored away from your business. You can purchase it as an add-on to a general liability or business owners policy.
Workers’ compensation: This provides financial support for employees who are injured or become sick on the job and also protects employers from workplace injury-related lawsuits.
Bundling these with your commercial auto policy can offer convenience and potential cost savings.
Protect Your Business Vehicles
Cover cargo vans, pickups, food trucks, and more
Progressive commercial auto insurance FAQs
For more information on Progressive commercial auto insurance, see the answers to the frequently asked questions below.
Is Progressive a legitimate commercial auto insurer?
Yes. Progressive is the largest commercial auto insurer in the country, offering coverage across all 50 states, excluding only Washington, D.C.[4] The insurer has strong financial strength ratings and more than 50 years of business insurance experience.
How do you file a commercial auto claim with Progressive?
You can file a claim online or by calling Progressive’s 24/7 claims line. A claims representative will guide you through the process and help coordinate repairs, liability investigations, and payouts.
Can you get same-day commercial auto coverage from Progressive?
Yes. Progressive often provides same-day commercial coverage. You can get a quote online or over the phone and have coverage immediately after payment.
Does Progressive cover specialty commercial vehicles?
Progressive insures many types of specialty vehicles, including pickup trucks, food trucks, dump trucks, tow trucks, box trucks, buses, limousines, and even rideshare vehicles. But it doesn’t cover emergency vehicles, golf carts, exhibition vehicles, or vehicles not licensed for road driving.
Sources
- Progressive Commercial. "How much is commercial auto insurance?."
- AM Best. "AM Best Affirms Credit Ratings of The Progressive Corporation and Its Subsidiaries."
- Insurance Information Institute. "Insuring Your Business: Small Business Owners' Guide to Insurance."
- National Association of Insurance Commissioners. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2024 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM: Total Commercial Auto."
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
