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Michigan Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with a Michigan commercial auto policy
Many of Michigan's 983,000 small businesses need commercial auto insurance for the cars, trucks, and vans they use for work. This type of policy can give you the protection you need, since personal insurance usually excludes business vehicles.
More than 1.2 million small business owners nationwide trust Progressive Commercial to help protect their vehicles and livelihoods. Each customer gets coverage tailored to their needs, whether they own several delivery trucks in Livonia or a single farm tractor near Traverse City.
Trusted by over 1.2 million small businesses nationwide
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Industry Leader
#1 in America*
Trust your vehicles to the top commercial auto and truck insurer.
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Customers
1.2 million+
People nationwide count on us for their commercial auto needs.
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Experience
50+ years
Supporting small business owners for over half a century.
Commercial auto insurance in Michigan for a variety of business types
Business auto
Vehicles driven by employees or used for business tasks, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto policies typically don't cover vehicles used for work.
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Contractors
Contractors often use vehicles to travel between job sites and transport tools, equipment, and other supplies. These daily work activities usually call for a commercial policy.
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Food truck
Food trucks, restaurants, and ice cream vendors that depend on vehicles usually need specialized insurance. Many also have permanently attached equipment that a commercial auto policy can help protect.
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For-hire livery
Most vehicles used to transport people for a fee need a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing businesses also require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nation,Δ covering everything from dump trucks to tractor trailers. Our network of repair shops and specialty claims services are available whether you're driving locally or outside of Michigan.
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Tow truck
We offer protection for wreckers, rollbacks, and roadside repair vehicles. You can also add specialty tow coverages like on-hook and garagekeepers legal liability for when a customer's vehicle is in your care.
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Michigan commercial auto insurance cost
The average monthly cost in 2025 for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ Your Michigan commercial auto rate can vary based on several factors, and there may be ways to save based on your setup.
Profession
Some industries have more risk than others. A handyman who carries tools and equipment to various job sites every day can expect to pay more than an insurance agent who runs occasional errands.
Vehicle
Your vehicle's size and use affect your rate. A large dump truck used for hauling bulk gravel will have a higher premium than a small pickup truck used for carrying mulch for light landscaping jobs.
Driving history
Accidents and violations can cause your rate to increase. Insurers will typically review the past three years of driving history for all covered drivers when setting your rate.
Location
It's common to pay more for commercial auto insurance in Detroit than in a smaller city like Grand Rapids. That's because prices are usually higher in places with more claims or expensive settlements. Areas prone to weather-related events, such as tornadoes, can also be a factor.
Travel radius
Your regular driving distance can influence your commercial auto rate. A vehicle with a local route within Dearborn's city limits is usually considered lower risk than a vehicle with a regional route that covers the greater Detroit metropolitan area.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with Michigan's state minimum insurance may pay less than someone needing higher limits.
Understanding commercial auto split limits
Michigan's state minimum residual liability insurance limits are 50/100/10. Together, these are known as a split limit. They separate your insurer's maximum payouts into three third-party groups:
- $50,000 for each person injured
- $100,000 for all people injured
- $10,000 for property damage in another state
If you choose the state's minimum coverages, your policy will pay up to these amounts if you're in an accident.
Michigan commercial auto insurance requirements
Michigan law requires vehicle owners to carry no-fault insurance, which includes three primary protections:
- Personal injury protection (PIP): Covers medical care and partial wage replacement for drivers and passengers in your vehicle. You'll need limits of $50,000 and up, depending on your situation.
- Property protection insurance (PPI): Can pay for damage your car causes to other people's property in Michigan, including their buildings, fences, and parked vehicles. Typically, the mandatory minimum is $1 million.
- Residual liability insurance (RBI/PD): Provides protection for bodily injury and property damage in situations where Michigan's no-fault law doesn't apply.
Your residual liability coverage only applies to specific situations where you could be sued, including:
- An accident in Michigan causes serious injury or death
- You're involved in a Michigan accident with a non-resident driver
- An accident happens outside of Michigan
Most commercial policies require a minimum residual liability limit of $50,000 per person, $100,000 per accident for bodily injury, and $10,000 for property damage. You might need higher limits based on the types of vehicles listed on your policy.
Vehicles registered with the U.S. Department of Transportation (USDOT) or operating under a motor carrier number may be required by the Federal Motor Carrier Safety Administration to carry higher limits. For example, many interstate vehicles like semi trucks must have a combined single limit of at least $750,000.
Michigan commercial auto resources:
- Michigan Auto Insurance Guide (Michigan Department of Insurance and Financial Services)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in MI
Businesses that use company vehicles should have commercial insurance to help protect them from auto-related claims. Professions that need commercial auto insurance in Michigan include:
- Landscapers
- Handyman services
- Auto mechanics
- Painting contractors
- Snow plow services
- Food trucks
- Cleaning services
- Real estate agents
- Pizza delivery
- Distributors
Browse more professions we insure.
Get Michigan commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* covering more than 2.3 million vehicles. Here are a few reasons why small business owners trust us:
Expert policy service by phone or online
Our customer service team is available 24 hours Monday through Friday, and between 6:30 a.m. and 2 a.m. on weekends. Whether you want to adjust your coverages, request an insurance certificate, or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters handle commercial auto claims quickly, so you can get back on the road sooner.
Discounts†
Save 10% or more when you pay in full on commercial auto insurance and take advantage of our other discounts to get an affordable rate for your Michigan policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, and workers' compensation.
Commercial auto insurance anywhere in Michigan
We offer Michigan commercial auto insurance statewide, including these major cities:
- Detroit
- Warren
- Ann Arbor
- Flint
- Livonia
- Grand Rapids
- Sterling Heights
- Lansing
- Dearborn
- Troy
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