Commercial auto insurance cost tracks the vehicle first. Heavier units carry higher statutory minimums, cost more to repair and do more damage when something goes wrong.
| Vehicle or account | Relative cost | What moves it |
|---|---|---|
| Hired and non-owned auto only | Among the smallest lines on a policy | Payroll, number of employees driving |
| One light pickup or cargo van, liability only ($1M CSL) | Lower than trucks and fleets | Driver records, radius, prior coverage |
| Same vehicle with collision and comprehensive | Above liability only | Vehicle value, deductible, named-storm terms |
| Box truck or dump truck (26,000 lbs and up) | Well above light vehicles | Weight tier, cargo, DOT filings, driver experience |
| Contractor or delivery fleet | Scales with vehicle count; per-unit cost usually falls as the fleet grows | Fleet safety program, telematics, loss runs |
The table shows relative cost rather than prices on purpose. Where your account lands depends on the factors in the right-hand column, which is why every quote starts with your vehicles and drivers rather than a price list.
Weight is where the step changes happen. Florida requires $50,000 in combined bodily injury and property damage liability at 26,000 to 34,999 pounds, $100,000 at 35,000 to 43,999 pounds and $300,000 at 44,000 pounds and above (s. 627.7415, Fla. Stat.), and trucks under federal regulation need at least $750,000 for interstate for-hire freight (49 C.F.R. § 387.9). Each of those thresholds shows up in the price.
