Commercial Auto Insurance Florida
For over 35 years, business owners and fleet managers have trusted the Colucci Independent agency to secure cheap Commercial Auto Insurance Florida quotes. 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 insurance 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 information Call 833-865-3380 or fill out our Quote Request Form.
Why Choose Colucci Insurance?
When you search for Commercial Auto 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 insurance 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!
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Local Experience: We have been the local experts in providing low cost commercial auto insurance Florida quotes since 1990.
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Affordability: We offer low down payments and EZ monthly payments to help with your cash flow.
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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 reviews from local customers on our Google My Business Profile.
Florida Commercial Auto Insurance Requirements
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:
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26,000 – 34,999 lbs GVW: $50,000 per occurrence.
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35,000 – 43,999 lbs GVW: $100,000 per occurrence.
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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
We also highly recommend connecting with industry organizations like the
Additional Coverages We Offer
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.
How to Register a Commercial Vehicle in Florida
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:
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Hillsborough County Tax Collector: Main Branch: 601 E Kennedy Blvd, 14th Floor, Tampa FL 33602. All locations for Hillsborough County.
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Miami-Dade County Tax Collector: Main Branch: 200 NW 2nd Ave, Miami FL 33128. All locations for Miami-Dade County.
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Orange County Tax Collector: Main Branch: 301 S Rosalind Ave, Orlando FL 32801. All locations for Orange County.
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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.
How to Save
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:
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Hire drivers with clean driving records.
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Invest in dash cams to exonerate drivers in not-at-fault accidents.
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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.
Frequently Asked Questions (FAQ)
How much does commercial motor vehicle insurance cost?
Costs vary greatly depending on your vehicle type, driving history, coverage limits and location. For instance rates in Miami are higher than in Jacksonville. However, we specialize in finding the most affordable options for your specific business needs.
Where can I find the Best Florida Commercial Auto Insurance Quotes?
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 regsardless in your in Orlando or St Petersburg.
Do you offer monthly payments?
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. Our customer in Lakeland like the convenient payment plans.
Who's the cheapest for commercial auto insurance in Florida?
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.
What are Florida Commercial Vehicle Insurance Requirements?
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.
What are your Google reviews?
We take pride in our service. You can read what our customers say about us on our Google Profile.
Get Your Free Quote Today
Don’t overpay for your business insurance. Trust the local experts with over 35 years of experience to protect your livelihood.
Contact Colucci Insurance now for a fast, free quote!
📞 Call Us At 833-865-3380
To review our operational commitment to client security and corporate compliance, please see our comprehensive
“This page written by Daniel Colucci owner and Commercial Transportation Specialist at Colucci Insurance with 35+ years of industry experience”.
Commercial Auto Insurance Florida FAQS – Get Affordable Quotes Today
What is commercial auto insurance?
Commercial auto insurance protects businesses that use vehicles for work-related purposes. It covers liability for accidents, property damage, and other risks associated with company cars, vans, trucks, or fleets—unlike personal auto policies, which typically exclude business use.
In Florida, businesses operating vehicles for commerce must carry commercial coverage to comply with state laws and protect against costly claims.
Do I need commercial auto insurance in Florida?
Yes. Florida state law requires commercial auto insurance for any business that owns, leases, rents, or uses vehicles for business purposes—including delivery vans, contractor trucks, service vehicles, or fleets.
Even if you use a personal vehicle for occasional business tasks, your personal policy may not provide adequate coverage. Without proper commercial insurance, you risk fines, registration issues, or uncovered claims.
What are the minimum commercial auto insurance requirements in Florida?
Florida requires all vehicles (personal and commercial) to carry:
- $10,000 Personal Injury Protection (PIP)
- $10,000 Property Damage Liability (PDL)
For commercial motor vehicles with a Gross Vehicle Weight (GVW) of 26,000 lbs or more, higher combined single-limit liability applies under Florida Statute 627.7415:
- 26,000–34,999 lbs: $50,000 per occurrence
- 35,000–43,999 lbs: $100,000 per occurrence
- 44,000 lbs or more: $300,000 per occurrence
Interstate trucking may require additional federal minimums through the FMCSA. Colucci Insurance helps ensure you meet—and exceed—these requirements with the right coverage.
Who needs commercial auto coverage?
- Contractors and construction businesses
- Trucking and delivery companies (including hot shot and intermodal)
- Service businesses with company fleets
- Any Florida business using vehicles for work, even occasionally
If your business registers commercial vehicles with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), proof of insurance is required.
What does commercial auto cover?
A standard policy typically includes:
- Liability coverage — Bodily injury and property damage to others
- Physical damage — Collision and comprehensive (theft, vandalism, weather)
- Uninsured/underinsured motorist coverage
- Optional add-ons: hired and non-owned auto (HNOA), cargo insurance, and more
We can bundle commercial auto with general liability insurance for better protection and savings.
How much does commercial auto insurance cost in Florida?
Costs vary based on factors like vehicle type and weight, fleet size, driving records, location (e.g., Tampa Bay area), and coverage limits. Florida’s high risk factors (uninsured drivers, litigation, weather) can make premiums higher, but shopping multiple carriers helps.
Colucci Insurance offers low down payments and EZ monthly payments to fit your cash flow. As an independent agency, we compare quotes from top-rated carriers to find you affordable rates.
How can I save money on commercial auto insurance in Florida?
- Maintain clean driving records for all drivers
- Install safety features like dash cams and GPS tracking
- Bundle with other business policies (e.g., general liability)
- Choose appropriate coverage limits for your needs
- Work with an independent agent who shops the market
Contact Colucci Insurance for personalized tips and competitive quotes across Florida.
Can I use my personal auto insurance for business vehicles in Florida?
Generally, no. Personal auto policies exclude or limit coverage for business use. Using a personal vehicle for work without proper endorsement or a commercial policy can leave you unprotected in an accident. A dedicated commercial auto policy is the safest and most compliant option.
What vehicles qualify as commercial in Florida?
Vehicles used in commerce, especially those with a GVW of 26,000 lbs or more, or any vehicle primarily used for business (delivery, service calls, hauling, etc.). This includes box trucks, semi-trucks, vans, and even passenger vehicles used for work.
How do I register a commercial vehicle in Florida?
You’ll need proof of insurance meeting state minimums when registering at a local county tax collector’s office or through FLHSMV. Heavier vehicles may also require a Heavy Vehicle Use Tax (HVUT) filing (Form 2290).
Colucci Insurance provides the documentation you need quickly.
Why should I choose Colucci Insurance?
- Independent agency — We shop multiple top carriers for the best rates and coverage
- Local experts — Serving Tampa, St. Petersburg, Clearwater, Brandon, Riverview, and all of Florida since 1990
- Affordable options — Low down payments and flexible monthly payments
- Excellent reputation — A+ BBB rating and strong Google reviews
- Fast service — Quick quotes and responsive support for contractors and truckers
We specialize in hard-to-place risks, including trucking and hot shot transport.
How do I get a free quote?
It’s easy! Call us at 1-833-865-3380 or fill out our quick online quote form. We’ll gather details about your vehicles, business, and needs, then shop the market to deliver competitive options—often on the same day.
Serving the entire state of Florida with local knowledge and personalized service.