Commercial Auto Insurance Florida

For over 35 years, businesses have trusted Colucci Insurance to secure Low Cost Commercial Auto Insurance in Florida. Since 1990, we have specialized in helping contractors, fleet managers, and business owners navigate the complex insurance market. Whether you own a single work truck or manage a fleet of delivery vans, our experience ensures you stay protected while keeping your overhead low.

For quotes call 833-865-3380 or submit your quote request here 24/7: Florida Commercial Auto Insurance Quotes.

Finding affordable coverage 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 on commercial auto insurance in Florida. 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.

It is critical that your business stays compliant with state laws to avoid fines or suspension of your registration. Addtionally Florida mandates specific liability 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 the state. Most commercial vehicles, including heavy pick-up trucks, box trucks, and dump trucks, must meet these minimums.

State of Florida Liability Limits by Vehicle Weight:

• 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, you are subject to federal regulations set by the Federal Motor Carrier Safety Administration (FMCSA), which typically require a minimum of $750,000 CSL.

When searching for coverage, many business owners have similar questions. We have compiled the most helpful answers to assist you in your search.

The cost of commercial auto insurance varies significantly depending on your industry, vehicle type, driving history, and coverage limits. 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 every business has a unique risk profile. One carrier might offer the lowest rate for a landscaper but be expensive for a courier service. The “cheapest” option is found by using an independent agency like Colucci Insurance. Because we shop your profile with companies like Progressive, National General, 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 Florida Department of Highway Safety and Motor Vehicles (FLHSMV) or your local county tax collector’s office.

• To find the nearest office to you, view the FLHSMV locations by county.

• 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.

Stop overpaying! Call Colucci Insurance today to start saving money.

Call 833-865-3380 Now

Or submit your Low Cost Commercial Auto Insurance Online Quote 24/7 Click Here.