Commercial Auto Insurance Cost in Florida

In our quotes, a whole commercial auto policy for a Florida business runs $1,000 to $45,000 a year (about $80 to $3,750 a month). One pickup at Florida minimum limits runs $1,000 to $9,000 a year. The business-type ranges further down come from separate groups of quotes, so some of them go higher or lower than the overall range. The spread is wide because the price follows your vehicles, drivers, limits and claims.

Commercial auto price ranges in Florida

These are annual prices from real quotes our agency has run for Florida businesses. They are ranges, not quotes. Your real price depends on your vehicles, drivers, limits and claims. The full breakdown is in our Florida commercial insurance price guide.

Per vehicle (one-vehicle policies)

• Pickup or light truck, Florida minimum limits: $1,000 to $9,000 a year ($80 to $750 a month)
• Pickup, $300,000 limit: $3,500 to $15,000 a year ($290 to $1,250 a month)
• Pickup, $1,000,000 limit: $5,000 to $29,000 a year ($410 to $2,450 a month)
• Cargo van, Florida minimum limits: $900 to $7,000 a year ($75 to $590 a month)
• Cargo van, $1,000,000 limit: $7,000 to $24,000 a year ($580 to $2,000 a month)
• Box truck, Florida minimum limits: $400 to $6,000 a year ($30 to $500 a month)
• Box truck, $1,000,000 limit: $5,500 to $35,000 a year ($450 to $2,950 a month)
• Tow truck, Florida minimum limits: $6,500 to $16,000 a year ($540 to $1,350 a month), with on-hook and garagekeepers priced on top

In our quotes, box trucks at minimum limits have sometimes priced below pickups at minimum limits. The driver list, radius, use and claims history move the price more than the vehicle type alone.

By type of business (whole policy, per year)

• Trucking and hauling: $2,500 to $65,000
• For-hire freight and long haul: $3,500 to $75,000
• Courier and local delivery: $2,500 to $26,000
• Food trucks: $700 to $12,000
• Contractors and trades: $900 to $38,000
• General contractors: $900 to $55,000
• Landscaping and lawn: $2,500 to $28,000
• Restaurants and food: $800 to $11,000
• Window, door and glass installers: $2,500 to $22,000

A one-truck business and a 15-truck fleet can sit in the same category, which is why these ranges are wide. County ranges for Hillsborough and Pasco are in the Florida commercial insurance price guide. Where you land inside a range comes down to the factors below.

The business operation comes first

A contractor carrying its own tools, a courier carrying customer packages, a mover handling household goods, and a for-hire carrier can use similar vehicles and still have different exposures. Describe the work that produces most revenue and any meaningful secondary services.

Your website should match the application. If the site promotes towing, delivery, passenger transportation, or statewide work that was not disclosed, the underwriter may ask questions or change the terms.

Drivers can materially change price and eligibility

Insurers may review age, license type, experience, violations, accidents, claims, and vehicle assignments. Young drivers, serious violations, multiple incidents, or limited commercial experience can reduce available options or increase price.

Include every regular, occasional, backup, family, employee, and contractor driver. Omitting a difficult driver does not create a valid savings if that person will operate the vehicle.

Vehicle type, weight, value, and equipment matter

Cost can change with body type, GVWR, use, repair costs, purchase value, lienholder, and selected physical damage. Lift gates, refrigeration, service bodies, cranes, ramps, shelving, and other equipment should be photographed and valued.

Trailers, cargo, tools, and customer property are separate questions. A quote that excludes them may look lower because it covers less.

Radius changes the operating picture

Give the normal daily radius and the farthest expected trip. “Local” is not a measurable answer. A service van traveling within one county is not automatically comparable to a courier crossing Florida or a truck entering other states.

Radius also interacts with mileage, stops, highways, overnight travel, filings, and contracts. Do not reduce the declared radius to obtain a better price; update the agent when routes expand.

Garaging location is not merely the mailing address

Insurers may consider where each vehicle is kept overnight, including employee homes, yards, lots, and secure facilities. Location can affect theft, weather, catastrophe, traffic, and repair-cost assumptions. Provide the actual garaging address for each unit and describe gates, lighting, cameras, keys, and take-home practices accurately.