Pennsylvania Commercial Auto Insurance | Compare Rates

The Keystone State is a thriving hub for over one million small businesses. Pennsylvania commercial auto insurance is essential to help with the high costs that can arise after a covered accident. Whether you're a contractor, food truck owner, landscaper, cleaner, or run a small business, Infinity Insurance Agency, Inc. (IIA) is here to help you find customized coverage that fits your business needs and budget.

You likely need commercial auto insurance if you use your company vehicle for business purposes, such as visiting client sites, carrying equipment or supplies, or displaying company logos on your van or truck. Business car insurance in PA can offer higher limits than personal policies, so you can continue to run your business with added peace of mind.

For a free quote, call IIA at 1-855-478-3705 or use our handy insurance calculator to get an estimate. 

Who needs Pennsylvania commercial auto insurance?  

If you're a small business owner in Philadelphia, Allentown, Pittsburgh, or any other part of Pennsylvania, commercial auto insurance is likely a priority. Businesses that often require it include:

• Contractors
• Food truck owners
• HVAC technicians
• Landscapers and lawn care professionals
• Cleaners
• Delivery services
• Any company that uses vehicles for business purposes 

IIA can help you find an affordable Pennsylvania commercial truck insurance option, or commercial auto insurance for these types of vehicles:

• Pickup trucks  
• Straight box trucks  
• Flatbeds  
• Dump trucks  
• Vans  
• Vehicles with attached equipment such as ladders or carpet washers  
• Trailers, and more! 

Our Spanish-bilingual agents are experts in Pennsylvania's commercial auto insurance requirements. They’re ready to guide you each step of the way. Get a free quote by calling 1-855-478-3705. 
 

Compare rates for business car insurance in PA  

It’s easy to get a quote with IIA. Our Spanish-bilingual agents make the process simpler by focusing on your business use and coverage needs. IIA provides competitive rate options without sacrificing coverage.

To get a commercial vehicle insurance quote in Pennsylvania, you can follow these simple steps:  

1. Have your business and vehicle details ready to share with an IIA agent  
2. Compare affordable coverage options from 20+ leading carriers
3. Build a customized policy and get same-day insurance ID cards or certificates of insurance (COIs) once your policy is active

Our agents are experts in Pennsylvania's commercial auto insurance requirements. They’re ready to guide you every step of the way. Call us today to get professional, Spanish-bilingual assistance.

Pennsylvania commercial auto insurance requirements

The minimum liability insurance requirements, according to the Pennsylvania Insurance Department, are:

• $15,000 for bodily injury per person
• $30,000 per accident
• $5,000 per accident for property damage 

These limits apply to damage you may cause to others or their property. However, commercial vehicles often need higher limits and specialized coverage designed for business use.  

Drivers may need higher limits if they:

• Drive larger vehicles
• Transport hazardous materials
• Operate in high traffic areas 

Pennsylvania law also requires drivers to have Medical Benefits coverage, which helps pay for your injuries after a covered accident, regardless of who is at fault. While the minimum limit is $5000, drivers may opt for higher limits, since accidents often lead to higher medical costs.  

Additional coverage options for business vehicles

If you want more extensive coverage to safeguard against financial losses that unexpected accidents or events could cause your business, consider these coverages:

• Collision coverage: This insurance helps pay for repairs to your business vehicle if it’s damaged in a covered accident.  
• Comprehensive coverage: This can help cover damages from non-collision events like vehicle theft, vandalism, or natural disasters.  
• Uninsured/underinsured motorist coverage (UM/UIM): This coverage may help pay for damages you incur if you're in an accident with a driver who has little or no insurance. In Pennsylvania, insurance companies are required to offer it. You may decline it in writing.  
• Hired and non-owned auto coverage (HNOA): It may help pay for injuries or property damage to others when an employee uses their personal vehicle for work tasks or when you rent a vehicle and use it for business purposes. 

By adding coverage to your policy that aligns with your needs and industry, you may be able to avoid paying large out-of-pocket costs after certain covered accidents. Collision and comprehensive coverages may be required if your business uses leased or financed cars.

What affects the cost of PA business car insurance?

The cost of commercial auto insurance can vary widely based on several factors, including:  

• Type of business: Different industries have varying risk levels, which may impact premiums. Learn more about business insurance by industry.
• Vehicle: Certain vehicles, like heavy-duty trucks, may cost more to insure.    
• Driving records: Your and your employees’ driving history can affect rates. A clean record may help lower your premiums.
• Coverage amounts: Choosing higher coverage limits or purchasing additional coverage may increase your premium.  
• Location: Where you’re located in the state may affect rates. Areas with higher accident rates may lead to higher premiums. 

To help you save more on business car insurance in PA, IIA works with carriers that offer commercial auto insurance discounts. Contact one of our agents to see how you could save by calling 1-855-478-3705.