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Massachusetts Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with a Massachusetts commercial auto insurance
Many of Massachusetts' 756,000 small businesses need commercial auto insurance to protect against accidents and mishaps involving their business vehicles. Commercial autos are considered to have more risk than personal autos and often need specific coverages and limits beyond what a personal auto policy can cover.
More than 1.2 million small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a single-vehicle courier business in Boston or a snow plow company with several trucks in Worcester.
Trusted by over 1.2 million small businesses nationwide
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Industry Leader
#1 in America§
Trust your vehicles to the top commercial auto and truck insurer.
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Customers
1.2 million+
People nationwide count on us for their commercial auto needs.
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Experience
50+ years
Supporting small business owners for over half a century.
Commercial auto insurance in Massachusetts for a variety of business types
Business auto
Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance typically doesn't cover vehicles used for work purposes.
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Contractors
Contractors often use vehicles to transport tools, equipment, and supplies between job sites. These daily work activities usually call for commercial auto coverage rather than a personal policy.
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Food truck
Food trucks, restaurants, and ice cream vendors depend on vehicles to deliver products and serve customers. Many also have expensive, permanently attached equipment that a commercial auto policy can help protect.
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For-hire livery
Vehicles used to transport people for a fee need a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing businesses also require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nation,Δ insuring everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services are accessible whether you're driving locally or outside of Massachusetts.
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Tow truck
We offer protection whether you own a wrecker, rollback, or roadside repair vehicle. You can add specialty tow coverages like on-hook and garagekeepers legal liability to protect you when a customer's vehicle is in your possession.
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Massachusetts commercial auto insurance cost
The average monthly cost in 2025 for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ The cost of your Massachusetts commercial auto insurance will vary based on several factors. You can also take advantage of discounts to find ways to save on your policy.
Profession
Some industries have more risk than others. An electrician who carries tools and equipment to various job sites every day can expect to pay more than an insurance agent who runs occasional errands.
Vehicle
Your vehicle's size and use affect your rate. A heavy food truck with a grill and a deep fryer will likely have a higher premium than a small cargo van with minimal equipment.
Driving history
Accidents and moving violations can cause your premium to go up. Insurers will typically review the last three years of driving history for everyone listed on your policy.
Location
It's common to pay more for commercial auto coverage in a large city like Boston than in a smaller city like Pittsfield. That's because prices are usually higher in places that have more claims or expensive settlements. Areas prone to weather-related events, such as tornadoes and hurricanes, can also affect your rate.
Travel radius
The distance you routinely travel can influence your commercial auto rate. For example, a vehicle with a local route within Springfield's city limits is considered lower risk than a vehicle with a regional route that covers all of Massachusetts.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Massachusetts state minimum limits of 25/50/30 will pay less than someone needing a combined single limit of $1 million.
Massachusetts commercial auto liability split limit explained
Massachusetts' state minimum liability limit of 25/50/30 is called a split limit. It separates the dollar amounts payable by your insurer for bodily injury and property damage into three groups:
- $25,000 for each person injured
- $50,000 for all people injured
- $30,000 for all property damaged
If you choose the state minimum limits, your policy will pay up to these amounts if you're at fault for an accident. Learn more about liability coverage in Massachusetts.
Massachusetts commercial auto insurance requirements
Massachusetts law requires commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury, and $30,000 for property damage. Some policies may need to carry higher limits based on the types of vehicles they insure.
The state also requires personal injury protection (PIP). This coverage helps pay medical expenses for drivers, passengers, and certain pedestrians injured in an accident, regardless of who's at fault.
Commercial vehicles also need uninsured motorist (UM) insurance, which helps cover medical expenses and other costs if an uninsured, underinsured, or hit-and-run driver injures you in an accident.
Vehicles with a U.S. Department of Transportation (USDOT) motor carrier number will have separate coverage requirements. For example, the Federal Motor Carrier Safety Administration (FMCSA) typically requires semi trucks and other large vehicles traveling interstate to carry a minimum combined single limit of $750,000.
Massachusetts commercial auto insurance resources:
- Basics of Auto Insurance in Massachusetts (Mass.gov)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in MA:
- Landscapers
- Handyman services
- Painting contractors
- Snow plow services
- Accountants
- Cleaning services
- Manufacturers
- Distributors
- Event planners
- Bakeries
Browse more professions we insure.
Get Massachusetts commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* protecting over 2.3 million commercial vehicles. Here are a few of the many reasons small business owners trust us:
Expert policy service by phone or online
Our customer service representatives are available 24 hours on weekdays and between 6:30 a.m. and 2 a.m. on weekends. Whether you want to adjust your coverages, request an insurance certificate, or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast.
Discounts†
Save 10% or more when you pay in full on commercial auto insurance and take advantage of our other discounts to get the best rate for your Massachusetts policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, and workers' compensation.
Commercial auto insurance anywhere in Massachusetts
We offer Massachusetts commercial auto insurance statewide, including these major cities:
- Boston
- Springfield
- Lowell
- New Bedford
- Lynn
- Worcester
- Cambridge
- Brockton
- Quincy
- Fall River
Get a commercial auto insurance quote for your Massachusetts business.
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