Cheap Commercial Auto Insurance


Request for a quoteCheap commercial auto insurance provides bodily injury, property damage, personal injury protection, uninsured, and underinsured motorist coverage. These coverages are required by Minnesota law. Optional coverages are comprehensive & collision. These coverages are all very similar to personal auto insurance in Minnesota.

Bodily Injury Liability

If you do bodily injury or cause death in an auto-related claim or pedestrian, this protection can help pay those costs. Minnesota’s minimum liability limits are $30,000 limit per person and $60,000 per accident or 30/60.  We recommend $100,000 per person, and $300,000 per occurrence, 100/300 or higher.

Property Damage Liability

If you are in an auto accident that happens to be your fault, this coverage helps pay for property damage.  This property damage may be to vehicles, homes, buildings, and other structures. The minimum limit in Minnesota is $10,000. We recommend $100,000 or higher. Think about the price of new vehicles these days.

Personal Injury Protection

PIP is Minnesota’s No-Fault coverage. Originally designed to free up the courts, this coverage means each insurance company pays for its own medical bills. The minimum in Minnesota is $20,000/$20,000 or $40,000 combined.  $20,000 for medical and $20,000 for wage loss, disability, or funeral costs. If you are on the job at the time of the accident and are covered by workers’ compensation insurance, workers comp pays first.

Uninsured Motorist

If you’re in an accident that is not your fault, Uninsured motorist coverage/UM helps pay medical expenses. The other party needs to be at fault and not have liability insurance. The minimum in Minnesota is 25/50. $25,000 per person and $50,000 per accident. We recommend $100,000 per person & $300,000 per occurrence, 100/300 or higher.  This coverage can benefit you.  So, the more coverage, the better!

Minnesota Cheap Commercial Auto Insurance

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Underinsured Motorist

If you’re in an accident that is not your fault, and underinsured motorist /UIM helps pay for medical expenses. The other party needs to be at fault and not have enough liability insurance protection. The minimum in Minnesota is $25,000 per person and $50,000 per accident (25/50). We recommend $100,000 per person and $300,000 per occurrence (100/300) or higher.  This coverage can benefit you.  So, the more coverage you have, the better.

Comprehensive Coverage

Helps pay for repairs or replacements from fire, theft, deer, birds, animals, glass, etc. In Minnesota, you can remove the deductible by adding full glass coverage.  This can depend on the carrier and the type/size of the auto.

Collision Coverage

Helps pay for necessary repairs or replacement (totaled) if your vehicle is damaged in an accident. Most claims occur when the vehicle is in motion. However, if your auto is parked and struck by a moving auto, that is collision coverage too. Common examples would be someone hitting your vehicle in a parking lot and not leaving a note. Also, hitting your vehicle and having no insurance. So, you file a claim under your own insurance policy.


The cost can vary depending on numerous factors, the type of vehicle, driving record(s), coverage, claims history, etc.

Smaller commercial auto owners might see $400-600 per year for one vehicle.  For full coverage, you could expect $700-1,200 per year. Give us a try; you might be pleasantly surprised.

Larger vehicles such as a new tow truck garaged in Minneapolis, MN, or St. Paul, MN, might see costs at $4,000-$5,000 per year.  Tow trucks in the suburbs, rural areas, and older units are lower cost. Having 2-3 years of prior insurance and good driving records & claims history can be significant in this situation. By the way, we are Minnesota tow truck and wrecker insurance experts.

Business Owners in Minnesota may also need general liability insurance, commercial auto insurance, contractors insurance, liquor liability insurance, workers comp insurance, builders risk insurance, and even bonds.  We also offer personal insurance, car insurance, homeowners insurance, boat insurance, motorcycle insurance, life insurance.

Selecting the right insurance professional/broker is key to having the proper coverage at affordable rates.  We happen to be a local Minnesota independent insurance agency representing over 25 carriers. It would be best if you had a choice in companies, quotes, and protection.

Please give us your information vehicle and driver’s information once. We will bring multiple quotes to the table.


Look at the many different types of business autos we insure:

Light Trucks – Defined as vehicles weighing less than 14,000 lb
  • Automobile – Car
  • Light Duty Truck
  • Mini Truck
  • Mini Van
  • Panel Van
  • Pickup Truck
  • SUV – Sport Utility Vehicle
Medium Trucks – Defined as vehicles weighing between 14,000 to 26,000 lb.
  • Box Truck
  • Delivery Truck
  • Flatbed Truck
  • Straight Truck
  • Van
Heavy Trucks – Defined as vehicles weighing between 26,001to 33,000 lb and over.
  • Concrete Transport Truck (Cement Mixer)
  • Dump Truck
  • Log Carrier
  • Mobile Crane
  • Refrigerator Truck
  • Rubbish or Garbage Truck
  • Semi-Trailer Truck
  • Tank Truck
  • Tow Truck and Wrecker
  • Tractor Unit


Get ready for a low-cost experience on your business auto insurance. We work with Minnesota business owners statewide and have learned how to make it fast, easy & affordable.

1. Get a quote now!

Just provide your information once, then let us shop multiple insurance companies.  We will save you both time and money. Ask us your questions, help, and answers are always free.Request for a quoteComplete our “Quick Quote” form. Our experienced insurance agents are in touch and start working on your quote right away.

2. Contact us in the morning and be insured in the afternoon.

After you have received your quote, had time to review it, and had your questions answered, say, sign me up!  We will rush the commercial auto insurance papers to sign electronically on your smartphone or computer. Click, click, click, they come back to us without any printing, faxing, or scanning required. It’s super easy.

Call us old-fashioned, but we like to process payments by phone. Our carriers have flexible payment options and low-down payments.

3. It’s done! Your covered!

You have just made a quality-informed decision. Now have the right commercial auto insurance coverage at the right price. We make it simple and easy.


It would be best if you had affordable protection, great coverage, and excellent service. That is where we come in, Insuring Minnesota. It would be best if you had an agent that is experienced, accurate & fast. One that is honest, trustworthy, and that cares, Insuring Minnesota. With years of experience and cutting-edge technology we deliver.

It’s time to get your Minnesota Commercial Auto Insurance Quote.  Do you qualify for our best program and lowest pricing? Please tell us about your business and commercial auto insurance needs. We promise to listen. Then we will get busy shopping multiple Minnesota business auto insurance companies.  Let us give you a choice. Give us a try, and you will be happy you did.

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