About $213 a month
Commercial auto in Minnesota
Insureon average for Minnesota customers, updated March 2026
Minnesota · state requirements
Commercial auto insurance in Minnesota
For Minnesota businesses running vans, pickups and trucks: the no-fault package every vehicle needs, the MnDOT filings for hauling for pay, what coverage costs and what to have ready.
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What similar businesses pay
- Commercial auto in Minnesota
- About $213 a month
- Contractor autos (national)
- $260 a month
- For-hire transport trucks (national)
- $926 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Minnesota costs
$260 a month
Contractor autos (national)
Progressive Commercial national average, 2025
$926 a month
For-hire transport trucks (national)
Progressive Commercial national average, 2025
Insureon reports that its Minnesota customers pay an average of $213 a month, or $2,560 a year, for commercial auto, based on policies bought through it as of March 2026. Most of those customers have fewer than five employees, so the figure mostly reflects one or two cars, pickups or vans. Progressive Commercial’s 2025 national averages show how much the vehicle matters: $260 a month for contractor autos and $926 for for-hire transport trucks. Every Minnesota policy must include no-fault benefits and uninsured and underinsured motorist cover on top of liability, and a for-hire carrier filing a Form E should expect to land toward the top of that range.
What moves your price
- Where each vehicle is garaged: Insureon notes location, down to the city, changes the price
- The liability limits your contracts require above the 30/60/10 floor
- Vehicle type, weight and value, and whether you haul goods or people for pay
- Whether workers’ comp covers your drivers, since it pays before no-fault for employees
- Each driver’s record and your claims history
- Collision and comprehensive deductibles
Minnesota
What’s different in Minnesota
The property damage floor is just $10,000
Minnesota Statutes 65B.49 sets the minimum at $30,000 per person and $60,000 per accident for bodily injury and $10,000 for property damage, per vehicle. A crash into a newer pickup or loaded trailer can exhaust $10,000 quickly, and the rest is a claim against your business.
Your policy’s PIP pays first for people in work vehicles
Under 65B.47, when a vehicle is used in the business of transporting people or property, or is furnished by an employer, the no-fault benefits on that vehicle’s policy pay first for the driver and occupants: at least $40,000 per person, split $20,000 medical and $20,000 for lost income and other losses (65B.44).
Pain and suffering claims start at $4,000 in medical bills
Under 65B.51 an injured person can sue for noneconomic damages once reasonable medical expenses exceed $4,000, or after permanent injury, permanent disfigurement, death or 60 days of disability. A moderate crash can cross that line.
UM and UIM are mandatory on every vehicle
Section 65B.49 requires separate uninsured and underinsured motorist coverages on every vehicle registered or principally garaged in Minnesota, each at least $25,000 per person and $50,000 per accident. You cannot waive them.
An uninsured vehicle loses the no-fault shield
Under 169.797, an owner who lets an uninsured vehicle be driven commits a misdemeanor with a fine of at least $200, and a third offense within 10 years is a gross misdemeanor. The state revokes the registration and suspends the driver’s license, and the owner keeps full tort liability.
Deer crashes peak in November
The Minnesota Department of Public Safety counted 6,218 reported deer crashes from 2016 to 2020, with 18 deaths and 124 serious injuries, and estimates two-thirds go unreported. Damage to your own vehicle falls under physical damage coverage, not liability.
Coverage
Coverage Minnesota businesses need
Residual liability
Pays for injuries and property damage your vehicles cause to others. Minnesota requires 30/60/10 per vehicle; contracts commonly ask for far more.
How commercial auto works →Basic economic loss benefits (PIP)
Required no-fault cover of at least $40,000 per person for medical bills, lost income and funeral costs, regardless of fault.
How commercial auto works →Uninsured and underinsured motorist
Required at $25,000 per person and $50,000 per accident each. Pays your drivers and passengers when the at-fault driver has no insurance or too little.
How commercial auto works →Collision and comprehensive
Repairs or replaces your own vehicles. Comprehensive generally handles deer strikes, theft and hail; lenders usually require both.
How commercial auto works →Hired and non-owned auto
Covers your liability when employees drive rented vehicles or their own cars on business errands.
How commercial auto works →Workers’ compensation
Pays before no-fault for employees hurt in a crash under 65B.61, and covers injuries loading and unloading vehicles.
How workers’ compensation works →Motor truck cargo
Pays for damage to goods you haul, which auto liability excludes. Minnesota household goods movers must carry $50,000 under 221.141.
Umbrella or excess
Adds limits above your auto liability when a contract asks for $1 million or more.
How umbrella / excess works →Rules
Minnesota requirements
Every vehicle registered or principally garaged in Minnesota needs the no-fault package in Minnesota Statutes chapter 65B. Businesses that haul property or passengers for pay inside the state also answer to MnDOT under chapter 221.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every owner of a Minnesota-registered or garaged vehicle | $30,000 per person, $60,000 per accident, $10,000 property damage, per vehicle (Minn. Stat. 65B.49, subd. 3). |
| Basic economic loss benefits (PIP) | Every policy on a Minnesota vehicle | $40,000 per person: $20,000 medical, $20,000 income loss and other losses (Minn. Stat. 65B.44). |
| Uninsured and underinsured motorist | Every owner of a Minnesota-registered or garaged vehicle | Each at least $25,000 per person and $50,000 per accident (Minn. Stat. 65B.49, subd. 3a). |
| Form E and certificate of registration | For-hire carriers of property within Minnesota | $100,000/$300,000 bodily injury and $50,000 property damage, filed before you haul; MCS-90 attached; 30 days’ notice to cancel (MnDOT; Minn. Stat. 221.141). |
| USDOT number | Carriers of passengers and property operating within Minnesota | Required by MnDOT; the intrastate number is free. Private carriers over 10,000 lb follow federal rules. |
| Household goods movers | MnDOT household goods permit holders | Form E liability plus $50,000 cargo insurance on Form H (Minn. Stat. 221.141, subd. 4). |
| Passenger carriers | Intrastate for-hire passenger carriers and limousines | At least 49 CFR 387.33 amounts (Minn. Stat. 221.141); MnDOT lists $5 million for 16 or more passengers, $1.5 million for 8 to 15 and per limousine. |
| Penalty for no insurance | Owners who allow an uninsured vehicle to be driven, and drivers | Misdemeanor, fine of at least $200; registration revoked and license suspended (Minn. Stat. 169.797). |
Compare commercial auto options in Minnesota.
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
- Cover employee drivers with workers’ comp: under 65B.61 it pays before no-fault, and the auto insurer must give a matching premium reduction.
- Keep every Form E continuous and act on any cancellation notice the day it arrives.
- Check driver records yearly: on a policy covering fewer than five commercial vehicles, a recent license suspension is one of the few lawful grounds to cancel (65B.15).
- Raise physical damage deductibles, or drop collision, on older vehicles you could afford to replace yourself.
- If insurers turn you down, ask about the Minnesota Automobile Insurance Plan, which cancellation notices must mention (65B.19).
- Compare quotes at renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- USDOT number and MnDOT certificate of registration, if you haul for pay
- Vehicle list with VINs, weights, values and garaging addresses
- Driver list with license numbers and dates of birth
- What you carry (tools, freight, household goods or passengers) and your radius
- Loss runs from current and prior insurers
- Your workers’ comp policy details
- Contract limits required on certificates
Common questions
Commercial auto insurance in Minnesota: questions
Is Minnesota a no-fault state for business vehicles?
Yes. Every policy must include at least $40,000 per person in no-fault benefits under 65B.44, and a vehicle used in the business of transporting people or property pays first for its own driver and occupants under 65B.47.
Can I reject uninsured motorist coverage on a commercial policy in Minnesota?
No. Section 65B.49 requires separate uninsured and underinsured motorist coverages of at least $25,000 per person and $50,000 per accident on each Minnesota vehicle.
What does a Minnesota Form E filing require?
MnDOT requires for-hire property carriers’ insurers to file a Form E showing $100,000 per person, $300,000 per accident and $50,000 property damage before any hauling. The business name and address must match your application.
Who pays when an employee is hurt in a company vehicle?
Workers’ comp pays first under 65B.61. No-fault fills some gaps, such as disability income where the weekly no-fault benefit exceeds the weekly workers’ comp benefit.
Can my insurer cancel a small commercial auto policy mid-term?
For fewer than five vehicles rated on a commercial basis, only for reasons listed in 65B.15, such as nonpayment or misrepresentation, with 30 days’ notice, or 10 days for nonpayment or in the first 60 days. Nonrenewal takes 60 days’ notice.
Get covered.
Tell us about your business once. We compare options and a licensed agent follows up, usually the same day.
Sources (9)
- Minnesota Revisor: Minn. Stat. 65B.49, insurers (2026)
- Minnesota Revisor: Minnesota Statutes 2026, chapter 65B (65B.14–65B.19, 65B.44, 65B.47, 65B.48, 65B.51, 65B.61)
- Minnesota Revisor: Minn. Stat. 169.797, penalties for failure to provide vehicle insurance (2026)
- Minnesota Revisor: Minn. Stat. 221.141, insurance or bond (2026)
- MnDOT: Motor carriers of property (2026)
- MnDOT: Minnesota Trucking Regulations, section 16, insurance requirements (2022)
- Insureon: commercial auto insurance in Minnesota (updated March 2026)
- Progressive Commercial: how much is commercial auto insurance (2025)
- Minnesota Department of Public Safety: what to do if you hit a deer (2021)
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.