Get Your Commercial Auto Insurance in Florida

Finding commercial auto insurance in Florida that meets your budget doesn’t need to be difficult. Kemper Auto offers budget-friendly and customizable options for commercial and personal auto insurance.

Choose Kemper Auto for your commercial auto insurance quote in Florida 

While you may be eager to get your commercial auto insurance quote in Florida to drive your business vehicle without worry, it’s important that you first understand the state’s commercial auto insurance requirements for business car insurance. Luckily, at Kemper Auto, we know these state mandates inside and out and can help break them down for you.  

Florida requires commercial auto insurance for business vehicles, with set limits for personal injury protection (PIP) and property damage liability (PDL) coverage. Luckily, Kemper Auto is a trusted provider with over 100 years of experience and a BBB A+ rating, so we can help you understand what you need to cover your business vehicle.  

On this page, you will find what you need to know about Florida auto insurance requirements, coverage options, and how to get personalized, affordable quotes. Read on to learn how to get your commercial auto insurance. 

Florida commercial auto insurance requirements: What every business needs to know 

If you use a vehicle for business tasks like carrying materials between sites or visiting clients, you need to carry commercial auto insurance. Under Florida state law, businesses that own, lease, or regularly use vehicles for work purposes must carry commercial auto insurance, with minimum coverage limits of: 

• $10,000 PIP

• $10,000 PDL 

If your employees also use their personal vehicles to complete work activities, you may need hired and non-owned auto coverage (HNOA) to help cover costs if they are in an accident.  

Auto insurance requirements in Florida are overseen by the Florida Department of Highway Safety and Motor Vehicles, which regulates compliance across the state. Not maintaining proper coverage when you are on the road can result in penalties, fines, or suspension of your license and driving privileges. Make sure your vehicle meets all state auto insurance requirements to help keep your business functioning smoothly.

Florida commercial vehicle insurance: Types of coverage available 

If you want flexibility in your auto insurance options for your Florida business, the good news is that there are various coverage types to choose from. Here are the common options and how they can protect your business vehicle(s): 

• Liability insurance (bodily injury and property damage): Required in Florida, this coverage helps pay for injuries or damage you cause to others in an accident. There is bodily injury liability, which can cover medical expenses or lost wages, for example, and property damage liability (repairs other person’s vehicle or property).  

• PIP: Required by law, the coverage can cover medical expenses and lost wages for you or your employees after a covered accident, regardless of who was at fault 

• Collision: This can pay for repairs to your business vehicle if damaged in an accident, regardless of fault. While not required by law, collision coverage may be required by lenders if your vehicle is financed or leased.  

• Comprehensive: This can protect you financially against non-collision events like fire, theft, vandalism, severe weather, and other covered events. This coverage is not required in Florida.  

• Uninsured/underinsured motorist: Can cover medical costs or other expenses (if applicable in your policy) if you are hit by a driver with little to no auto insurance coverage. This coverage is not required by law.  

• Cargo insurance: This is an optional coverage that can financially protect the equipment, tools, and other applicable goods (depending on your policy) against loss, theft, or damage. 

At Kemper, we also offer additional coverage options to make covering unforeseen events easier for you and your business. A couple of other coverages not required by law that we offer are: 

• General liability: Can cover certain business liability events 

• Roadside assistance: Can help with essential services like towing, battery jumps, lockouts and more 

• Car rental reimbursement: Helps cover the cost of a temporary replacement vehicle while your vehicle is being repaired after a covered accident 

Speak with a Kemper Auto agent about your business and vehicles so you can choose the right commercial auto insurance coverage options for your situation.  

Who needs coverage for commercial car insurance in Florida? 

Whether your business needs commercial car insurance depends on whether you use any vehicles for business use, even in the most minimal sense. In Florida, commercial auto insurance generally applies to a range of vehicles, including cars, pickup trucks, and vans, within certain specifications.  

Even if you run a small business, you likely need commercial auto insurance if your business uses: 

• Business-owned vehicles: Vehicles owned by a company and used for transporting tools, equipment, employees, and more.  

• Employee-owned vehicles used for work: If employees use their personal vehicles for business tasks, like deliveries or visiting clients  

• Leased or financed vehicles: Vehicles that are leased or financed and used for business purposes may require commercial auto insurance, particularly with collision and comprehensive coverage.  

There are typical industries that tend to need commercial auto insurance, especially if they rely on vehicles for daily operations, such as: 

• Contractors (construction, electrical, plumbing, HVAC) 

• Landscapers and lawn care  

• Delivery services (and couriers) 

• Food trucks (and mobile vendors) 

• Service providers (cleaning and janitorial, for example) 

At Kemper, we cover a variety of vehicle body types and insure business vehicles from a range of industries, with over 6,000 occupations. If you need commercial car insurance in Florida, Kemper can help.  

Cheapest commercial auto insurance in Florida: Pricing factors 

Commercial auto insurance costs can have a lot to do with personal and local factors. Not everyone’s price will look the same, especially due to different business operations, driver profiles, and unique environments based on ZIP codes. Some of the main factors that may impact your premium are: 

• Driving record: Maintaining a clean driving history can lower your premiums. 

• Vehicle (age, make, model, usage) 

• Business location: Where you garage your work vehicle can impact pricing. 

• Business type: Higher-risk industries may end up paying more for auto insurance. 

• Coverage limits: The higher limits you have, typically the more costly your premiums will be. 

• Deductibles: Higher deductibles for collision and comprehensive coverage can lead to lower premium prices.  

• Claims history: Frequent or severe losses due to accidents can raise rates.  

• Area-specific risks: Florida has unique risks due to natural events like hurricanes, flooding, storms, and others that increase physical damage claims and can lead to higher insurance costs. Also, insurance may be more costly in high-traffic areas like Miami, Tampa, and Orlando.  

While many factors are out of your control, there are ways you can save on car insurance. If you are looking for ways to get the cheapest commercial auto insurance in Florida, here are a few tips: 

• Flexible payments: Auto insurance providers, like Kemper Auto, offer payment options that can lead to reduced pricing, like a discount for paying your premium in full.  

• Prior coverage: A consistent insurance history can signal reduced risk as a driver and can lower your rates 

• Multi-vehicle: You can insure multiple vehicles under one policy, and insurers like Kemper Auto can offer a discount.

• Telematics (Kemper Copilot): Consider using tracking systems that may help you save.  

Frequently asked questions (FAQ) about commercial auto insurance in Florida 

What is the difference between personal and commercial auto insurance? 

Personal auto insurance is for everyday driving, while commercial auto insurance covers driving that is for business use. Commercial policies typically have higher liability limits and cover tasks like delivering goods or employees. 

Can I use personal auto insurance for business purposes in Florida? 

Generally, no. Most personal policies exclude business use of vehicles, so if you get into an accident while doing a work task with personal auto insurance, your claim may be rejected.  

What does commercial auto insurance cover in Florida?  

You must have the core protections required by the state, which are personal injury protection (PIP) and property damage liability (PDL) with at least the legal limits set. You can also opt for other coverage, such as collision and comprehensive.  

How do I find the cheapest commercial auto insurance in Florida? 

Implement helpful strategies like comparing quotes from multiple insurers, taking advantage of discounts, and adjusting your deductible (for collision and comprehensive) to help you pay less on your premium.  

How quickly can I get coverage for a business vehicle? 

With Kemper Auto, you can get commercial auto insurance within minutes. Simply speak with an agent by calling 800-782-1020 to get started.  

Get a commercial auto insurance quote in Florida 

Commercial auto insurance quotes in Florida don’t need to be complicated. If you have the necessary information ready to go, the process can be quick and easy. First, here’s what you’ll need: 

• Business details: Name, garaging address for your vehicle(s), type of work, and vehicle usage 

• Identification: Typically, you’ll need your driver’s license. At Kemper Auto, we also accept other forms of identification, such as foreign or temporary licenses, state IDs, and Matricula Consulars. 

• Vehicle information: Make, model, year, vehicle identification number (VIN) 

• Driving record: Typically, your insurer can pull up your driving history, including traffic violations, license status, and other details, but you may be asked about them, such as prior accidents.  

Once you have the necessary details and documents, you can begin the process of activating your policy: 

• Apply: Online, by phone at 800-782-1020, or with a local agent  

• Initial underwriting: Insurers review your information 

• Get a quote: Obtain your quote once your information has been processed. You can get a personalized quote in minutes with Kemper Auto today! Remember, a quote is not always your final price and may change after underwriting is complete.  

• Activate policy: Make your payment, usually choosing monthly installments or paying in full, and start your coverage. 

You can get started with Kemper Auto quickly today. Take advantage of flexible payment options and expertise from local agents ready to help you get affordable commercial auto insurance quotes. 

Choosing the right Florida commercial auto insurance company 

Choosing the right auto insurance provider for you means finding one that aligns with your priorities, whether that’s flexibility, affordability, or reliability. Here are key factors you may want to consider: 

• Coverage flexibility: Look for an insurer that can tailor coverage to your business and make sure you comply with state law.  

• Claims process: A smooth and responsive claims process can matter a lot, especially when car accidents or other unforeseen events can be stressful.  

• Financial strength: Research providers that have the financial stability to pay claims reliably 

• Agent availability: Often, having access to local agents can make a difference as they can help you understand your options and provide personalized support. 

Kemper Auto offers affordable, customizable auto insurance solutions that fit a variety of industries. If you want to find commercial auto insurance in Florida that adapts to your business growth and is budget-friendly, Kemper Auto can help.  

Connect with a local agent today to get started! Call 800-782-1020.