Commercial Auto Insurance Cost Calculator
Last updated: October 15, 2026
Estimate an annual commercial-auto insurance budget from vehicle count, base premium, driver risk, industry risk, deductible choices and endorsements.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated annual commercial-auto premium
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- Estimated monthly premium: —
- Premium before deductible discount: —
- Estimated deductible discount: —
- Average annual premium per vehicle: —
On this page
Quick summary: Estimate an annual commercial-auto insurance budget from vehicle count, base premium, driver risk, industry risk, deductible choices and endorsements.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate an annual commercial-auto insurance budget from vehicle count, base premium, driver risk, industry risk, deductible choices and endorsements.
How to use it
Enter Number of insured vehicles; Base annual premium per vehicle ($); Driver and claims risk factor; Industry and vehicle-use factor; Estimated deductible discount (%); Hired, non-owned and other endorsements ($); Policy and administrative fees ($). Select Calculate to update the results.
How the calculation works
Vehicle count is multiplied by the base premium and editable driver and industry factors. The deductible discount is subtracted before endorsements and fees are added.
Worked example: starting scenario
| Number of insured vehicles | 5 |
|---|---|
| Base annual premium per vehicle ($) | 2400 |
| Driver and claims risk factor | 1.15 |
| Industry and vehicle-use factor | 1.2 |
| Estimated deductible discount (%) | 8 |
| Hired, non-owned and other endorsements ($) | 1800 |
| Policy and administrative fees ($) | 350 |
| Estimated annual commercial-auto premium | $17,385.20 |
|---|---|
| Estimated monthly premium | $1,448.77 |
| Premium before deductible discount | $16,560.00 |
| Estimated deductible discount | $1,324.80 |
| Average annual premium per vehicle | $3,477.04 |
Important limitations
Driver records, vehicle type, radius, cargo, state, limits, filings, claims and insurer underwriting determine actual premiums.