Massachusetts Commercial Auto Insurance

Full analysis of insurance costs, laws & facts

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

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Commercial car insurance cost: $1,200 - $2,400 per year

Commercial truck insurance cost: $800 - $2,000 per year

Commercial bus insurance cost: $35,000 per year

Popular Questions About Massachusetts Commercial Auto Insurance

When do you need Massachusetts commercial auto insurance?

Business auto insurance is the equivalent of your personal auto insurance policy, but it protects vehicles and drivers associated with your business. If your business owns vehicles, this policy will insure your business for costs associated with collisions or other vehicle damage. It also provides liability coverage for your business if one of your drivers is at fault for an accident.

Your commercial auto policy can cover:

Remember, while your business may rely on cars and trucks to transport employees to and from meetings or move products and materials, one accident can cause a financial nightmare for your business. If one of your employees is responsible for an accident, your company may be required to pay for the damage to other cars and for the medical expenses of any injured drivers or passengers. 

But with the proper Massachusetts commercial auto insurance, you can be sure your business is protected from the costs of roadway threats. 

What does Massachusetts commercial auto insurance cover?

Massachusetts commercial auto insurance pays for covered claims so your business doesn’t have to. It reimburses you for a variety of expenses when you are faced with a fender-bender, an unexpected break-in or theft, or even if weather or a falling tree damages one of your vehicles. 

Fix your car

Fix someone else's car 

Pay for someone else's medical bills 

Pays you if an uninsured driver causes an accident

How is Massachusetts commercial auto insurance different from personal auto insurance?

Commercial auto insurance is designed for businesses that typically have several drivers and multiple vehicles. For this reason, there are several differences between commercial auto coverage and personal auto coverage. 

How much does Massachusetts commercial auto insurance cost?

Massachusetts commercial auto insurance rates vary significantly from business to business. Premiums are based on the number of vehicles your company owns and the types of coverage you need (you may not need the same coverage for every vehicle). 

The cost to insure a sedan for a salesperson who drives locally will be very different from the cost to insure a large truck that transports goods across the country. 

Here are some ranges for commercial auto insurance premiums across the U.S.:

Your Massachusetts commercial auto insurance rates will vary depending on:

How do I find the best commercial auto insurance in Massachusetts?

The best way to find the commercial auto insurance policy that fits your company’s needs and budget is to work with an independent agent in Massachusetts. Independent agents have access to multiple insurance companies, so you can choose the coverage that fits your unique risks. 

Top Commercial Auto Insurance Companies in Massachusetts

An independent insurance agent compares policies from multiple companies to find the best coverage for your needs. 

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More in Massachusetts Insurance Guide:

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