Progressive Commercial Auto Insurance Review and Quotes (2025)
Progressive is a solid choice for commercial auto insurance thanks to its flexible coverage options, competitive fleet rates, and tech-forward tools like Snapshot ProView.
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Progressive offers specialized commercial auto insurance coverage for small businesses, contractors, rideshare drivers, and large fleets. Whether you’re insuring a single food truck, a for-hire vehicle, or a dozen delivery vans, Progressive provides protection to help safeguard your business assets.
Progressive doesn’t offer many add-on coverages to customize your policy, and some vehicles aren’t eligible for coverage. But it provides helpful tools like Snapshot ProView to track and improve fleet safety.
Quick Facts
Progressive offers customizable commercial auto insurance along with helpful digital tools.
The insurer provides extensive vehicle coverage and several discount opportunities.
Progressive is financially strong and offers same-day policy options but doesn’t cover all types of specialty vehicles.
Progressive commercial auto insurance at a glance
How Progressive commercial auto insurance works
Progressive commercial auto insurance offers protection for business-use vehicles, including liability coverage, physical damage protection, and specialized add-ons for hired and non-owned vehicles. Policies are designed around business vehicles’ specific risk profiles and usage.
One standout feature the company offers is Snapshot ProView. This telematics tool tracks driver behavior and vehicle usage, helping businesses manage fleet safety and potentially qualify for discounts. Fleet management tools through the program include:
Near-live vehicle tracking
Geofencing
Trip reporting
Safety scorecards
To simplify coverage management and reduce costs, Progressive also allows bundling with other business insurance policies. Whether you run a one-person handyman business or operate a fleet of box trucks, you can customize Progressive’s policies to fit your operation.
You can get an insurance quote online or through an independent insurance agent. In addition to quotes, the company can assist with state filings in select states and federal filings for interstate trucking, hazardous cargo, for-hire trucking, and for-hire passenger transportation.
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Progressive commercial auto discounts
Commercial auto insurance discounts can help you maximize your savings on coverage, so it’s important to pay attention to what insurance companies offer.
With Progressive, discounts primarily focus on your relationship with the insurer and safe driving. See below for some of the discounts the insurer offers:
Business Discount Type  | Potential Savings |
|---|---|
| Prior insurance (if you’ve maintained continuous coverage for 12 months preceding your quote) | Not disclosed |
| Multi-product bundling | Not disclosed |
| Pay in full | 13%+ |
| Electronic payment | Not disclosed |
| Personal vehicle bundling | Not disclosed |
| Smart Haul program | 12%+ |
| Snapshot ProView | 8%–20% |
Progressive commercial auto ratings
Financial strength and customer satisfaction ratings are essential considerations when choosing a commercial auto insurer. Strong financial ratings indicate the company’s ability to pay claims reliably, even during widespread events or economic downturns.
Customer satisfaction scores reflect real-world service quality, including claims handling, billing, and support. These ratings help business owners assess an insurer’s trustworthiness, stability, and overall value before committing to a policy.
Overall, Progressive has strong financial strength, ranking just below the best possible score.[?] While J.D. Power doesn’t include the insurer in its small commercial insurance satisfaction study, Progressive has a high volume of customer complaints compared to other commercial insurers. Here’s a look at Progressive’s industry ratings:
Rating Source | Score | What This Means |
|---|---|---|
| AM Best Financial Strength | A+ | Very reliable |
| J.D. Power Small Commercial Insurance Customer Satisfaction | Not rated | Not rated |
| NAIC Commercial Complaint Index | 2.95 | More complaints than expected |
Progressive commercial auto coverage options
Progressive provides basic coverage options plus a few add-ons. But its customization options are limited compared to other commercial auto insurers. Coverage options include the following:[?]
Additional business insurance options
In addition to commercial auto insurance, Progressive offers several business insurance products, including the following:
General liability insurance: This provides protection against lawsuits stemming from regular business operations.
Professional liability insurance: Also known as errors and omissions insurance, it protects you against lawsuits arising from professional advice and services you provide.
Business owners policy: This policy includes property and liability insurance in one package.
Cyber insurance: Cyber insurance protects your business against threats to computer systems and data.
Contractors insurance: This protects contractor businesses against work-related accidents and lawsuits.
Inland marine insurance: Inland marine insurance offers additional coverage for tools and equipment that are lent, transported, or stored away from your business. You can purchase it as an add-on to a general liability or business owners policy.
Workers’ compensation: This provides financial support for employees who are injured or become sick on the job and also protects employers from workplace injury-related lawsuits.
Bundling these with your commercial auto policy can offer convenience and potential cost savings.
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Progressive commercial auto insurance FAQs
For more information on Progressive commercial auto insurance, see the answers to the frequently asked questions below.
Is Progressive a legitimate commercial auto insurer?
Yes. Progressive is the largest commercial auto insurer in the country, offering coverage across all 50 states, excluding only Washington, D.C.[?] The insurer has strong financial strength ratings and more than 50 years of business insurance experience.
How do you file a commercial auto claim with Progressive?
You can file a claim online or by calling Progressive’s 24/7 claims line. A claims representative will guide you through the process and help coordinate repairs, liability investigations, and payouts.
Can you get same-day commercial auto coverage from Progressive?
Yes. Progressive often provides same-day commercial coverage. You can get a quote online or over the phone and have coverage immediately after payment.
Does Progressive cover specialty commercial vehicles?
Progressive insures many types of specialty vehicles, including pickup trucks, food trucks, dump trucks, tow trucks, box trucks, buses, limousines, and even rideshare vehicles. But it doesn’t cover emergency vehicles, golf carts, exhibition vehicles, or vehicles not licensed for road driving.
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