Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Estimated fleet premium
$14,790
Per vehicle per year
$3,610
Per vehicle per month
$301
Liability portion per vehicle
$2,280
Physical damage per vehicle
$1,330
Hired & non-owned add-on
$350
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How to use this
- 1Enter vehicles (count).
- 2Enter vehicle class.
- 3Enter radius of operation.
- 4Enter combined single limit.
- 5Enter driver violations / at-fault crashes (3 yrs) (count).
- 6Enter average vehicle value ($).
- 7Enter physical damage coverage.
- 8Enter hired & non-owned auto?.
- 9Read your estimated fleet premium on the right — it updates as you type.
- 10Hit Share to keep the scenario or send it to someone.
About this calculator
Commercial auto is priced per vehicle, and the four inputs that move it most are vehicle weight class, radius of operation, the driving records of the people behind the wheel, and the combined single limit your contracts require. A local service van on a 50-mile radius with clean drivers is a fraction of the cost of a straight truck running 400-mile lanes, and one driver with a major violation can add more to the bill than a whole extra vehicle. This calculator prices a mixed fleet, applies hired-and-non-owned coverage for employees using their own cars on company business, adds the physical damage portion based on vehicle values and deductible, and reports both total annual premium and cost per vehicle per month so it can be built into job pricing. Real quotes depend heavily on loss history, garaging location, cargo carried, and whether a client contract demands a $1M or $2M limit with additional-insured status — that contractual requirement is usually what determines the limit you actually buy.
Worked example
Using the values the calculator loads with:
Inputs
- Vehicles: 4 count
- Vehicle class: Light trucks & vans (under 10k lbs)
- Radius of operation: Local — under 50 miles
- Combined single limit: $1,000,000
- Driver violations / at-fault crashes (3 yrs): 0 count
- Average vehicle value: 38000 $
- Physical damage coverage: Yes — comp & collision
- Hired & non-owned auto?: Yes
Results
- Estimated fleet premium: $14,790
- Per vehicle per year: $3,610
- Per vehicle per month: $301
- Liability portion per vehicle: $2,280
- Physical damage per vehicle: $1,330
- Hired & non-owned add-on: $350
What each field means
Inputs
- Vehicles (count)
- The vehicles used in the calculation, measured in count. Starts at 4 count so you have a working example on load. Accepted range: 1–200 count.
- Vehicle class
- Pick the option that matches your situation — the maths changes per option. Choices: Cars / SUVs, Light trucks & vans (under 10k lbs), Medium trucks (10k-26k lbs), Heavy trucks (over 26k lbs).
- Radius of operation
- Pick the option that matches your situation — the maths changes per option. Choices: Local — under 50 miles, Intermediate — 50-200 miles, Long haul — over 200 miles.
- Combined single limit
- Pick the option that matches your situation — the maths changes per option. Choices: $500,000, $1,000,000, $2,000,000.
- Driver violations / at-fault crashes (3 yrs) (count)
- The driver violations / at-fault crashes (3 yrs) used in the calculation, measured in count. Starts at 0 count so you have a working example on load. Accepted range: 0–20 count.
- Average vehicle value ($)
- The average vehicle value used in the calculation, measured in $. Starts at 38000 $ so you have a working example on load. Accepted range: 0–400000 $.
- Physical damage coverage
- Pick the option that matches your situation — the maths changes per option. Choices: Yes — comp & collision, Liability only.
- Hired & non-owned auto?
- Pick the option that matches your situation — the maths changes per option. Choices: Yes, No.
Results
- Estimated fleet premium
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Per vehicle per year
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Per vehicle per month
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Liability portion per vehicle
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Physical damage per vehicle
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Hired & non-owned add-on
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
Can I insure work vehicles on a personal policy?
Usually not. Personal auto policies exclude regular business use beyond commuting, and a denied claim on a work vehicle is exactly the scenario that closes small businesses. Vehicles titled to the business need a commercial policy.
What is hired and non-owned auto coverage?
It covers liability when employees drive rented vehicles or their own cars for company errands. It is inexpensive and closes a gap most small businesses do not realise they have.
Why does radius matter so much?
Longer radius means more highway miles, higher speeds, more severe losses, and often interstate filing requirements. Rating plans treat it as one of the strongest severity predictors.
Do DOT-regulated trucks price the same way?
No. Motor carriers with federal authority face minimum financial responsibility limits, filings, and cargo coverage that sit outside this estimate. Treat heavy-class output here as a floor.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Commercial Auto Insurance Cost Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/commercial-auto-insurance-cost-calculator
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/commercial-auto-insurance-cost-calculator" target="_blank" rel="noopener">Commercial Auto Insurance Cost Calculator — RevenueLab</a> (2026).</p>
Source: [Commercial Auto Insurance Cost Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/commercial-auto-insurance-cost-calculator) (2026).