About $412 a month
Commercial auto in Florida
Insureon average for its Florida customers, updated March 2026
Florida · state requirements
Commercial auto insurance in Florida
For Florida businesses that run vans, pickups, box trucks, rigs or taxis: the no-fault PIP rules, weight-based liability minimums, filings, penalties and typical costs.
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Get commercial auto quotes in Florida
What similar businesses pay
- Commercial auto in Florida
- About $412 a month
- Commercial auto, national
- About $245 a month
- Business auto, national
- $207 a month per vehicle
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Florida costs
About $245 a month
Commercial auto, national
Insureon national average, updated March 2026
$207 a month per vehicle
Business auto, national
Progressive Commercial national median, 2025 new policies, clean records
$821 a month per truck
For-hire truck, national
Progressive Commercial national median, 2025 new policies, clean records
Insureon reports that its Florida customers pay an average of $412 a month, or $4,943 a year, for commercial auto, the highest of the states it lists and well above its national average of $245 a month. Its customers are mostly businesses with fewer than five employees. Progressive Commercial’s national 2025 medians show how much the vehicle matters: $207 a month per vehicle for business autos such as service vans and $821 a month for for-hire transport trucks, for liability and physical damage with no driver violations. Insureon lists location among the factors that set a Florida premium, citing Miami and Orlando as examples, along with vehicles, claims and driving records.
What moves your price
- Vehicle weight, with liability floors at 26,000, 35,000 and 44,000 pounds
- Garaging city or county, such as Miami versus a rural area
- Bodily injury limits you choose above the PIP and property damage minimums
- Driving records of every driver
- Whether you haul for hire, move household goods or carry passengers
- Claims history and years in business
- Vehicle values and physical damage deductibles
Florida
What’s different in Florida
No-fault PIP is the base requirement
FLHSMV requires every vehicle with a current Florida registration to carry at least $10,000 of personal injury protection and $10,000 of property damage liability. Under Florida Statute 627.736, PIP pays 80% of medical costs and 60% of lost income up to $10,000, plus a $5,000 death benefit, regardless of fault.
PIP has a 14-day treatment rule
Florida Statute 627.736 pays PIP medical benefits only if the injured person gets initial care within 14 days of the crash, and caps them at $2,500 unless a qualified provider finds an emergency medical condition. Tell drivers to seek care promptly after any crash.
Heavier trucks need liability by weight
Florida Statute 627.7415 requires combined bodily injury and property damage liability of $50,000 for commercial vehicles of 26,000 to under 35,000 pounds, $100,000 up to 44,000 pounds and $300,000 above that. Vehicles subject to federal rules must also carry the federal minimums.
Intrastate trucks need a USDOT number
The Florida Highway Patrol says companies must register for a USDOT number and display it on commercial vehicles, with no fee for intrastate-only carriers. Property vehicles under 26,001 pounds declared weight that need no placards are exempt; failing to register carries a $500 penalty.
Florida changed its negligence rules in 2023
House Bill 837, effective March 24, 2023, shortened the deadline to sue for negligence; Florida Statute 95.11 now allows two years. Under Statute 768.81, a party more than 50% at fault for its own harm cannot recover damages.
A lapse suspends plates and licenses
FLHSMV can suspend your driving privilege and license plate for up to three years if required coverage lapses, with no hardship license. Florida Statute 324.0221 sets reinstatement fees of $150, then $250, then $500 within three years.
Coverage
Coverage Florida businesses need
Bodily injury and property damage liability
Pays for injuries and damage your vehicles cause to others. Florida’s basic rule requires only property damage liability for most vehicles, so bodily injury limits are a choice your exposure, clients and contracts should drive.
How commercial auto works →Personal injury protection
Required on Florida-registered vehicles at $10,000. It pays your driver’s and passengers’ medical bills and lost income regardless of fault.
Uninsured and underinsured motorist
Pays for your drivers’ injuries beyond PIP when the at-fault driver has little or no bodily injury coverage, which Florida’s basic requirement does not demand.
Physical damage
Collision and comprehensive repair or replace your vehicles after a crash, theft, flood or windstorm. A lender or lessor may require it.
Hired and non-owned auto
Covers liability when employees drive their own cars for work or you rent vehicles. A personal auto policy may not respond to business use.
Motor truck cargo
Covers freight in your care. Florida movers must carry at least $10,000 per shipment for household goods lost or damaged through their negligence, unless a small mover posts a bond.
Umbrella or excess liability
Adds limits above the auto policy when a contract or your own exposure calls for more than the primary policy provides.
How umbrella / excess works →Rules
Florida requirements
Florida layers a no-fault PIP rule for every registered vehicle with weight-based liability minimums for trucks and separate rules for taxis and movers. Each row cites the statute or agency page it comes from.
| Requirement | Applies to | What it means |
|---|---|---|
| PIP and property damage liability | Every vehicle with four or more wheels registered in Florida | $10,000 PIP and $10,000 property damage liability (FLHSMV; Florida Statutes 627.733 and 627.736). |
| Commercial vehicle liability by weight | Commercial motor vehicles of 26,000 pounds or more | Combined liability of $50,000 under 35,000 pounds, $100,000 from 35,000 to under 44,000 pounds and $300,000 at 44,000 pounds or more (Florida Statute 627.7415). |
| Taxicabs | Vehicles registered as taxis | Bodily injury liability of $125,000 per person and $250,000 per occurrence, plus $50,000 property damage (FLHSMV). |
| Household goods movers | Movers operating in Florida | $10,000 per shipment for loss or damage to goods, or a $50,000 bond or deposit for movers with two or fewer vehicles; auto liability of $50,000 to $300,000 by weight (Florida Statute 507.04). |
| USDOT number | Commercial motor vehicles, including intrastate, except property vehicles under 26,001 pounds without placards | Register with the FMCSA and display the number; no fee for intrastate-only carriers; $500 penalty for failing to register (Florida Highway Patrol; Florida Statutes 316.302 and 316.70). |
| Federal minimum, general freight | Interstate for-hire carriers of nonhazardous property, 10,001 pounds or more | $750,000 (49 CFR 387.9), which Florida Statute 627.7415 also applies to vehicles subject to federal rules. |
| Federal minimum, hazmat | Interstate carriers of oil and hazardous materials | $1,000,000 for oil and listed hazardous materials; $5,000,000 for the highest-hazard bulk loads (49 CFR 387.9). |
| Penalty for lapsed coverage | Owners and registrants of Florida vehicles | License and plate suspension for up to three years; reinstatement fees of $150, $250 and $500 (FLHSMV; Florida Statute 324.0221). |
Compare commercial auto options in Florida.
One application, quotes from several insurers, reviewed by a licensed agent. Start with your email and finish later if you need to.
Pay less
How to lower the cost
- Hire drivers with clean records and review them regularly; Insureon lists driving records among the main factors in Florida pricing.
- Turn in a plate before cancelling coverage on a vehicle you are taking off the road, as FLHSMV advises, to avoid suspension and reinstatement fees.
- Garage vehicles securely and report accurate garaging addresses, since location drives Florida rates.
- Raise physical damage deductibles on older vehicles, or drop collision where the vehicle’s value is low.
- Train drivers to report every crash and seek care within 14 days so PIP claims are paid without dispute.
- Compare quotes from several insurers at each renewal, because each insurer prices the same fleet differently.
Before you start
What underwriters ask for
- Each vehicle’s VIN, year, make, model, weight and garaging address
- Each driver’s name, date of birth, license number and experience
- USDOT number, if you have one
- What you haul or whom you carry, and how far you travel
- Bodily injury limits your clients or contracts require
- Three to five years of loss runs
- Mover registration details, if you move household goods
Common questions
Commercial auto insurance in Florida: questions
What is the minimum commercial auto insurance in Florida?
Every Florida-registered vehicle needs $10,000 of PIP and $10,000 of property damage liability. Commercial vehicles of 26,000 pounds or more also need $50,000 to $300,000 of combined liability by weight under Statute 627.7415, and interstate for-hire freight carriers need $750,000 under 49 CFR 387.9.
Is bodily injury liability required for a business vehicle in Florida?
Not for most light vehicles under FLHSMV’s basic rule, but taxis, movers and commercial vehicles of 26,000 pounds or more have their own liability minimums. Without bodily injury coverage, a business can face an injury claim with no insurance to pay it.
Does PIP cover my employees in a company vehicle?
PIP pays for injuries to people covered under the policy regardless of fault, within the $10,000 limit and 14-day treatment rule. Workers’ compensation may also apply to employees hurt on the job, so ask how the two coordinate.
Do Florida intrastate carriers need a USDOT number?
Yes, according to the Florida Highway Patrol, unless the vehicle carries property, has a declared weight under 26,001 pounds and needs no hazmat placards. Intrastate-only carriers pay no registration fee.
What happens if my business vehicle’s insurance lapses in Florida?
FLHSMV can suspend the license and plate for up to three years. Reinstatement requires new coverage and a fee of $150 the first time, $250 the second and $500 for later ones within three years.
How much does commercial auto insurance cost in Florida?
Insureon reports an average of $412 a month for its Florida customers, updated March 2026, the highest of the states it lists. For-hire trucks cost more; Progressive Commercial’s 2025 national median for for-hire transport trucks is $821 a month.
Who can help me compare Florida commercial auto quotes?
Florin is an independent broker that compares options from several insurers. Have your vehicle list, driver list and USDOT number ready.
Get covered.
Tell us about your business once. We compare options and a licensed agent follows up, usually the same day.
Sources (15)
- FLHSMV: Florida insurance requirements
- Florida Statute 627.736, personal injury protection benefits
- Florida Statute 627.733, required security
- Florida Statute 627.7415, commercial motor vehicles
- Florida Statute 324.0221, suspension and reinstatement
- Florida Statute 507.04, household goods mover insurance
- Florida Statute 316.302, commercial motor vehicle safety rules
- Florida Highway Patrol: Florida USDOT numbers
- Florida Senate: HB 837 (2023), civil remedies
- Florida Statute 95.11, limitations periods
- Florida Statute 768.81, comparative fault
- 49 CFR 387.9, federal minimum levels of financial responsibility
- Insureon: commercial auto insurance in Florida (updated March 2026)
- Insureon: commercial auto insurance cost (updated March 2026)
- Progressive Commercial: commercial auto insurance cost (2025 data)
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated October 2026.