The average cost of commercial auto insurance in California ranges from $1,500 to $2,800 per vehicle per year, but can vary widely. Here are the primary factors that affect your premium:
1. Business Location : Urban areas like Los Angeles, San Diego, and San Francisco have higher premiums due to increased traffic, accident rates, and crime. Rural businesses may pay less.
2. Type of Vehicle : Larger or specialized vehicles like box trucks, tow trucks, or refrigerated vans will typically cost more to insure. 3. Driving History Insurers look at the driving history of every employee who will operate a commercial vehicle. Clean records help lower your premium.
4. Usage of Vehicles : How far and how often the vehicle is driven can impact the cost. Long-haul trucks generally cost more than local delivery vans.
5. Type of Coverage : Basic liability coverage is cheaper, but businesses often need additional protection:
6. Claims History : A business with a history of frequent claims will face higher premiums.
7. Employee Experience : Companies that hire experienced drivers typically enjoy lower premiums.
You may be eligible for significant discounts, including:
Selecting the right policy requires evaluating your business’s risks and coverage needs. At InsuranceIsland, we help you compare quotes from over 25+ top-rated carriers to find the best value for your business.
Our advisors will:
It’s important to stay compliant with California Department of Motor Vehicles (DMV) and Department of Insurance regulations. If your vehicles require USDOT or CA# numbers, ensure your insurance provider files the necessary forms on your behalf.
| Industry | Average Annual Premium (Per Vehicle) |
| Contractors | $2,000 – $3,500 |
| Food Delivery Services | $2,200 – $3,800 |
| Landscaping | $1,800 – $2,900 |
| Trucking & Freight | $3,500 – $6,000+ |
| Sales Representatives | $1,500 – $2,200 |
Why Choose InsuranceIsland?
At InsuranceIsland, we specialize in commercial auto insurance in California, offering personalized coverage tailored to your business needs. Whether you’re a startup or a long-standing business, we’ll work with you to secure the right coverage at competitive rates.
📞 Call us: 703-957-9541
📱 Text: 1-833-259-5066
📧 Email: sales@insuranceisland.com
Protect your business on the road with reliable, affordable, and comprehensive commercial auto insurance in California.
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