Commercial Auto Insurance Florida

For over 35 years, business owners and fleet managers have trusted Colucci Insurance to secure the Best Commercial Auto Insurance Florida has to offer. Since 1990, our agency has specialized in helping local contractors, trucking companies, and service businesses navigate the complexities of the Florida insurance market. We understand that in the Sunshine State, your vehicles are the lifeline of your business.

Whether you operate a single delivery van in Tampa or a fleet of semi-trucks crossing state lines, finding reliable coverage shouldn’t break the bank. As an independent agent, we work for you—not the insurance carrier—ensuring we can shop the market to find you commercial motor vehicle policies that don’t sacrifice coverage quality.

For Quotes Call 833-865-3380 or fill out our easy to use quote form: Quote Request Form.

When you search for Commercial Auto Insurance Quotes, you will find two types of agents: captive and independent. Captive agents are tied to one specific company and can only offer you that company’s price, regardless of whether it’s the best deal for you.

Colucci Insurance is different. As an independent agency, we have access to multiple top-rated carriers. This allows us to compare rates and coverage options from the best companies to find a plan that fits your specific needs. Basically, when you receive multiple quotes, you save the most on Florida Commercial Auto Insurance.

• Local Experience: We have been the local experts in providing commercial auto insurance in Florida since 1990.

• Affordability: We offer low down payments and EZ monthly payments to help with your cash flow.

• Trust: We are proud of our reputation. Check out our Better Business Bureau Profile to see our commitment to excellence.

• Reputable: Our reputation is second to none. Read review from local customers on our Google My Business Profile.

It is critical that your business stays compliant with state laws to avoid fines or suspension of your registration. Florida mandates specific liability limits based on the type of vehicle and its Gross Vehicle Weight (GVW).

According to Florida Statute 627.7415, commercial motor vehicles must carry the following minimum bodily injury and property damage liability coverage:

• 26,000 – 34,999 lbs GVW: $50,000 per occurrence.

• 35,000 – 43,999 lbs GVW: $100,000 per occurrence.

• 44,000 lbs or more GVW: $300,000 per occurrence.

Important Note for Interstate Truckers: If your vehicles cross state lines, you likely fall under federal regulations enforced by the FMCSA (Federal Motor Carrier Safety Administration). These requirements are often stricter than state minimums.

We also highly recommend connecting with industry organizations like the Florida Trucking Associaiton to stay updated on regulations and safety standards.

Beyond auto policies, we provide comprehensive business protection. If you are a contractor or business owner, you likely need more than just vehicle insurance. We can bundle your policy with General Liability Insurance to ensure you are fully protected. Visit our general liability insurance page for more details.

Registering a commercial vehicle in Florida involves a few more steps than a personal car. You must visit the Florida Highway Safety and Motor Vehicles (FLHSMV) department or your local county tax collector.

Proof of Insurance: You must have a valid commercial motor vehicle insurance policy.

Heavy Vehicle Use Tax (HVUT): For vehicles with a gross weight of 55,000 lbs or more, you must file Form 2290 and pay the Heavy Vehicle Use Tax. Additional information on the HVUT tax is on the FLHSMV HVUT Website.

Registration: Visit your local County Tax Collector to get your plates.

Main Florida County Tax Collector Offices:

• Hillsborough County Tax Collector: Main Branch: 601 E Kennedy Blvd, 14th Floor, Tampa FL 33602.  All locations for Hillsborough County.

• Miami-Dade County Tax Collector: Main Branch: 200 NW 2nd Ave, Miami FL 33128. All locations for Miami-Dade County.

• Orange County Tax Collector: Main Branch: 301 S Rosalind Ave, Orlando FL 32801. All locations for Orange County.

• Duval County Tax Collector: 231 E Forsyth St, Jacksonville, FL 32202

• For a complete list of locations and requirements by county, visit the FLHSMV Locations Website.

We know that insurance costs are a major expense for any business. To save money try to reduce your operational risks. Simple steps can make a big difference in your premium:

• Hire drivers with clean driving records.

• Invest in dash cams to exonerate drivers in not-at-fault accidents.

• Regularly maintain your vehicles to prevent mechanical failures.

For more in-depth tips, read our blog post on ways to ways to reduce your commercial auto costs.

We provide quotes across the entire state. Click on your city below to learn more about our local services:

• Tampa – St Petersburg – Clearwater – Brandon – Riverview – Wesley Chapel – Lakeland – Bradenton – Cape Coral – Fort Myers – Lehigh Acres

• Ocala – Gainesville – Kissimmee – Orlando – Deltona – Daytona Beach – Jacksonville

• Boca Raton – West Palm Beach – Miami

Costs vary greatly depending on your vehicle type, driving history, and coverage limits. However, we specialize in finding the most affordable options for your specific business needs.

The best quotes come from independent agents who can shop the market for you. At Colucci Insurance, we compare rates from multiple top-rated carriers to ensure you get the best deal.

Yes, we offer low down and EZ monthly payments. We understand cash flow is vital for businesses, so we work to find payment plans that fit your budget.

To save money on commercial vehicle insurance, contact independent agents such as Colucci Insurance. We not only specialize in commercial auto but will provide you with multiple quotes from the best companies, ensuring you find the cheapest rate available.

Florida requires specific liability limits based on vehicle weight, starting at $50,000 for vehicles over 26,000 lbs. See our “Florida Requirements” section above for details.

We take pride in our service. You can read what our customers say about us on our Google Profile.

Don’t overpay for your business insurance. Trust the local experts with over 35 years of experience to protect your livelihood.

Call Colucci Insurance now at 833-865-3380 for a fast, free quote!

Commercial Auto Insurance Florida FAQ – Get Affordable Quotes Today