How Much Does Commercial Auto Insurance Cost in Michigan?
Michigan pricing is near the national average. Updated for 2026.
Commercial Auto Insurance Pricing in Michigan
In Michigan, the average cost for commercial auto insurance is $2,208 per vehicle/year, which is 8% lower than the national average of $2,400. Most Michigan residents pay between $1,104 and $4,600.
Michigan has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Commercial auto insurance covers vehicles used for business purposes — company cars, work trucks, delivery vehicles, and fleet vehicles. It provides higher liability limits than personal auto insurance and covers employees driving company vehicles.
Michigan vs National Average
What Affects Commercial Auto Insurance Cost in Michigan?
Vehicle Type
Sedan/car: $1,200-$2,500/year. Pickup/van: $1,500-$3,500. Box truck: $2,500-$5,000. Semi: $5,000-$15,000
Industry
Office/sales: base rate. Delivery: +20-40%. Construction: +30-60%. Trucking: +50-100%
Coverage
State minimum liability: $800-$1,500. $1M combined single limit: $2,000-$5,000. Comprehensive + collision: add $500-$2,000/vehicle
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💡 Tips to Save on Commercial Auto Insurance in Michigan
- 1.Bundle with a Business Owner's Policy (BOP) for 10-20% discount
- 2.Higher deductibles ($1,000-$2,500) reduce premiums 15-25%
- 3.Fleet discounts kick in at 5+ vehicles (10-25% savings)
- 4.Implement driver safety training to reduce claims and lower future premiums
📈 Commercial Auto Insurance in Michigan Cost Trends (2020–2024)
Prices have increased +17.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $1,876 | — |
| 2021 | $1,955 | +4.2% |
| 2022 | $2,082 | +6.5% |
| 2023 | $2,140 | +2.8% |
| 2024 | $2,208 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Commercial Auto Insurance in Michigan
Recent Reports
Frequently Asked Questions
Do I need commercial auto insurance?
Yes, if vehicles are titled to a business, used primarily for business, used by employees, transport goods or people for hire, or display business signage. Personal auto policies typically deny claims if the vehicle was being used for business at the time of an accident.
What does commercial auto insurance cover?
Liability (bodily injury and property damage you cause), collision (your vehicle damage), comprehensive (theft, weather, vandalism), medical payments, uninsured motorist, and hired/non-owned auto (employees using their own cars for business).
Commercial Auto Insurance Cost in Other States
Related Cost Guides for Michigan
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