Commercial Auto Insurance Miami

For over 35 years, business owners have trusted Colucci Insurance to secure Low Cost Commercial Auto Insurance in Miami. Since 1990, we have specialized in helping Miami contractors, fleet managers, and local business owners navigate the complex Florida insurance market.

Whether you are hauling cargo from the Port of Miami, managing a delivery fleet in Doral, or running a landscaping business in Coral Gables, our experience ensures you stay protected while keeping your overhead low.

Call 833-865-3380 or use our easy to use Quote Form 24 hours a day.

Finding affordable coverage in Miami-Dade County doesn’t mean you have to sacrifice protection. The secret to saving money on your policy is choice.

As an independent agent, Colucci Insurance works for you, not the insurance companies. We have access to multiple top-rated carriers, allowing us to shop your policy and force them to compete for your business.

That is how you save money on commercial auto insurance in Miami. Instead of being locked into one price from a single provider, we provide you with multiple quotes, ensuring you get the specialized coverage you need at the lowest possible rate.

Additionally available in Miami is general liabillity insurance. For quotes click here: Miami General Liability Insurance Quotes.

It is critical that your Miami business stays compliant with state laws to avoid fines or suspension of your registration. Additionally Florida mandates specific liabiility limits limits based on the type of vehicle and its Gross Vehicle Weight (GVW). We stay up to date with industry standards set by organizations like the Florida Trucking Association.

Below are the insurance requirements you will find for commercial trucks and autos across Miami and the state of Florida:

• Vehicles under 26,000 lbs: Required to carry $30,000 Combined Single Limit (CSL).

• 26,000 lbs – 35,000 lbs: Required to carry $50,000 Combined Single Limit (CSL).

• 35,000 lbs – 44,000 lbs: Required to carry $100,000 Combined Single Limit (CSL).

• Over 44,000 lbs: Required to carry $300,000 Combined Single Limit (CSL).

Note: If your business involves crossing state lines (Interstate commerce), you are subject to federal regulations set by the FMCSA, which typically require a minimum of $750,000 CSL.

Florida commercial auto insurance quotes provided in Tampa, Orlando, Miami and Jacksonville. 

The cost of insurance in Miami varies depending on your zip code, vehicle type, and driving history. However, based on our market data, here are general annual premium ranges you might expect:

• Light Commercial (Cars, Cargo Vans): $1,500 – $4,500 per year.

• Box Trucks: $5,000 – $9,000 per year.

• Semi Trucks / Tractor Trailers: $12,000 – $16,000 per year.

There is no single “cheapest” company for everyone because Miami’s traffic and risk profiles are unique. The “cheapest” option is found by using an independent agency like Colucci Insurance.

Because we shop your profile with companies like Progressive, Geico, National General, Berkshire Hathaway, Granada, Acsendant, and others, we find the carrier that offers the lowest rate specifically for your business needs.

Commercial vehicles must be registered locally. You can register your vehicle by visiting the Miami-Dade County Tax Collector’s office or a local FLHSMV service center.

• Downtown Miami Location: 200 NW 2nd Ave, Miami, FL 33128

• To find the office nearest to you, view the FLHSMV locations in Miami-Dade.

Remember to bring proof of valid Florida insurance, your vehicle title, and payment for registration fees. If you have a heavy vehicle (over 55,000 lbs), you may also need proof of your Heavy Vehicle Use Tax payment. Bring in completed Form 2290 pdf. Addtional information for this form vist the IRS website about form 2290.

Don’t let high premiums eat into your profits. Call Colucci Insurance today to start saving money.

Call 833-865-3380 Now Or submit your request online 24/7: Miami Commercial Auto Quote.