Commercial Auto Insurance Gainesville

For over 35 years, business owners have trusted Colucci Insurance as the local expert for finding Commercial Auto Insurance in Gainesville. Since 1990, we have specialized in helping Gainesville contractors, fleet managers, and business owners protect their livelihoods while keeping overhead costs low.

As an independent insurance agency, we work for you—not the insurance companies. This allows us to provide multiple quotes from several top-rated carriers, ensuring you get the lowest prices without sacrificing the coverage you need. Whether you operate a single work truck along Archer Road or a fleet of delivery vans servicing the University of Florida area, our experience ensures you stay compliant and protected.

We are proud of our reputation for reliability and expertise. Visit our Better Business Bureau Profile to see why businesses across Florida trust us with their commercial needs.

For quotes call 833-865-3380 or fill out our easy to use quote form: Gainesville Commercial Auto Insurance Quotes.

Finding the best commercial auto insurance in Gainesville isn’t just about finding the cheapest rate—it’s about finding the right coverage that matches your specific business risks. At Colucci Insurance, we combine decades of local expertise with the pricing power of a national broker.

Why are we the best choice for Gainesville businesses?

• Local Knowledge: We understand the unique risks of operating in Alachua County, from seasonal traffic spikes to hurricane preparedness.

• Independent Advocacy: We shop the market for you, comparing policies from progressive carriers to find the perfect fit.

• Comprehensive Options: From General Liability Insurance to heavy truck coverage, we handle it all.

Every business owner wants to lower expenses. To find cheap commercial auto insurance in Gainesville, you need an agent who can identify discounts you might be missing. Because we are independent agents, we can force insurance carriers to compete for your business.

We help you lower your premiums by:

• Comparing rates from multiple providers.

• Identifying discounts for bundled policies (such as combining Auto and General Liability).

• Reviewing your driver lists to ensure you aren’t paying for high-risk drivers unnecessarily.

Getting commercial auto insurance quotes in Gainesville has never been easier. Instead of calling five different companies and repeating your information, make one call to Colucci Insurance. We will run your profile through our network of providers to generate a variety of quote options tailored to your budget.

Contact us today to start saving:

• Call Us: (813) 972-1947

• Submit a Quote Request Online: Click Here to Get Started

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).

• Commercial Drivers License: You may be required to obtains a CDL to operate certain vehicles.

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.

Not only is commercial auto insurance provided in Gainesville but across Florida as well.

• Brandon Commercial Auto Insurance –  Riverview Commercial Auto Insurance –  Wesley Chapel Commercial Auto Insurance – St Petersburg Commercial Auto Insurance 
• Clearwater Commercial Auto Insurance – Lakealnd Commercial Auto Insurance – Bradenton Commercial Auto Insurance – Sarasota Commercial Auto Insurance
• Cape Coral Commercial Auto Insurance – Fort Myers Commercial Auto Insurance – Leigh Acres Commercial Auto Insurance – Ocala Commercial Auto Insurance
• Tampa Commercial Auto Insurance – Kissimmee Commercial Auto Insurance – Orlando Commercial Auto Insurance – Deltona Commercial Auto Insurance 
• Jacksonville Commercial Auto Insurance – Daytona Beach Commercial Auto Insurance – Boca Raton Commercial Auto Insurance – West Palm Beach Commercial Auto Insurance
• Miami Commercial Auto Insurance  

The cost of commercial auto insurance varies based on your vehicle type, industry, and driving history. In Gainesville, premiums can range from $1,500 to $4,500 per year for light commercial vehicles (like cargo vans) and $5,000 to $9,000 per year for box trucks. Tractor-trailers often see premiums between $12,000 and $16,000. Contact us for an exact figure tailored to your business.

There is no single “cheapest” company for everyone because rates depend on your specific risk profile. However, independent agents like Colucci Insurance are typically the cheapest option because we can shop your policy with multiple carriers (like Progressive, National General, and others) to find the one offering the lowest rate for your specific needs.

The “best” insurance balances affordability with reliable claims service. For over 35 years, Colucci Insurance has been rated as a top provider because we offer personalized service that large, impersonal call centers cannot match. We are the local experts who understand the Gainesville market.

To save on commercial auto insurance in Gainesville, you should contact an independent agent like Colucci Insurance. We can provide multiple quotes & options from several insurance carriers, forcing them to compete for your business. Additionally to lower your costs you can do this my maintaining a clean driving record, hiring experienced drivers, and bundling your Commercial Auto with General Liability can lead to significant savings.

Commercial vehicles in Gainesville must be registered with the Alachua County Tax Collector. You will need proof of valid Florida insurance and, for heavy vehicles (55,000 lbs+), proof of Heavy Vehicle Use Tax Use Tax payment (Form 2290).

Local Registration Office: Alachua County Tax Collector 5830 NW 34th Blvd Gainesville, FL 32653

Heavy Vehicle Use Tax: For vehicles over 55,000 lbs, you must file Form 2290 before registering. You can find more information and forms at the IRS Form 2290 Heavy Highway Vehicle Use Tax page. Also additonal informaiton on the HVUT tax is on the FLHSMV IRP Registration page as well as Pdf HVUT Tax Bulletin you should find useful.

Call Colucci Insurance today at 1-833-865-3380 for your free quote!