Commercial Auto Insurance in Indiana

Running a business in Indiana often means your vehicles are crucial to daily operations. Whether you’re delivering equipment across Indianapolis, transporting goods between Fort Wayne and South Bend, or operating a service van in rural counties, commercial auto insurance protects your business from unexpected accidents and expenses. With Indiana’s mix of urban roads and rural highways, having the right coverage ensures your operations run smoothly, regardless of traffic or weather conditions.

GEICO’s flexible and affordable commercial auto insurance provides coverage for your business vehicles and also allows personal use under a single policy. You can rest assured that your vehicles are protected wherever your business takes them.

What is Commercial Auto Insurance in Indiana?

Commercial auto insurance is designed for vehicles primarily used for business purposes. Unlike personal auto coverage, these policies extend protection to unique situations that come along with operating a business, including cargo and vehicle damage.

For example, if your company vehicle is used to deliver goods, meet clients, or transport equipment, commercial auto insurance can help cover damages, liability claims, and the costs of injuries. This ensures both your business and your employees are financially protected in the event of an accident.

Who Needs Commercial Auto Insurance in Indiana?

Any Indiana business that operates vehicles for work purposes should carry commercial auto insurance. Common examples include:

• Contractors and Tradespeople: Electricians, plumbers, and HVAC technicians who carry expensive tools and equipment.
• Carpenters, Painters, and Contractors: These workers move equipment and supplies between job locations.
• Landscapers and Snow Plow Services: Vehicles used to transport heavy landscaping equipment.
• Caterers and Food Vendors: These businesses use vehicles to bring food and supplies to events.
• Delivery Services: Businesses that transport products, goods, or materials need to cover any potential accidents.
• Real Estate Agents and Salespeople: Professionals who use their vehicles to meet clients and attend property showings.
• Long Haul Trucking: Long-distance drivers carry valuable cargo and must follow strict safety rules.

Remember, all drivers who operate a business vehicle must be listed on the policy to ensure you get the coverage you need. Because coverage can vary between insurers, confirm what personal use is permitted under your commercial auto policy.

Minimum Indiana Commercial Auto Insurance Requirements

Indiana requires commercial auto insurance to protect other drivers and property in the event of an accident. Minimum liability coverage includes:

To see how accidents and coverage types influence your policy, it’s essential to look at what each component actually covers. The size of a settlement generally doesn’t impact insurance costs, but other factors, like at-fault vs. not-at-fault accidents, do. Medical payments (MedPay) coverage, for example, is designed to pay for the medical expenses of you and your passengers after a collision, regardless of fault.

Optional Commercial Auto Coverages & Add-Ons in Indiana

While Indiana’s minimum coverage is a solid starting point, many business owners prefer more complete protection. GEICO offers optional add-on coverages that can expand your plan to fit your business needs. These extra protections go beyond the basics, helping safeguard your vehicles, employees, and finances from a wider range of risks:

• Collision Coverage: Pays for damage to your vehicle from a collision, regardless of fault.
• Comprehensive Coverage: Covers non-collision incidents, such as theft, vandalism, or weather damage.
• Medical Payments Coverage: Helps with medical expenses for you or your passengers after an accident.

Federal Compliance for Business Vehicles in Indiana

Businesses in Indiana operating larger vehicles may need to comply with federal safety and registration standards. The Federal Motor Carrier Safety Administration (FMCSA) and U.S. Department of Transportation (USDOT) require companies to obtain a USDOT number if they operate vehicles with a gross vehicle weight of 10,001 pounds or more.

Indiana-based carriers are required to follow FMCSA rules, including conducting regular vehicle inspections, maintaining accurate driver qualification files, and adhering to hours-of-service requirements. Depending on your operations, you may also need detailed vehicle maintenance records and implement driver drug and alcohol testing programs.

Types of Vehicles Covered in Indiana

GEICO provides commercial auto insurance for a wide range of vehicles, allowing businesses of all kinds to receive the coverage they need. Some vehicles, such as food trucks, come with additional considerations, so it’s essential to research the specific requirements for your vehicle before selecting a plan.

Some of the different types of vehicles covered by GEICO include:

• Business Vehicles: Company cars, SUVs, and pickups used for business errands or deliveries.
• Contractor Vehicles: Work vans and trucks for transporting tools and equipment.
• Delivery & Service Vehicles: Vans or trucks for deliveries, repairs, or client visits.
• Food Trucks and Catering Services: Food trucks and catering vans that need protection while on the road. It’s important to note that food spoilage, food-borne illness, allergic reactions, product liability, and equipment breakdowns are not covered under commercial auto insurance, so businesses should consider additional coverage like General Liability (GL) for these situations.
• Heavy Trucks: Includes tractor-trailers, dump trucks, box trucks, flatbeds, and cargo & freight trucks.
• Owner-Operator Trucks: Independently operated trucks or vans, including those leased to a company.
• Non-Trucking Liability: Coverage for trucks when not hauling cargo or under dispatch.
• Specialty Vehicles: Refrigerated trucks, buses, or other unique vehicles as needed.

Factors Affecting the Cost of Indiana Commercial Auto Insurance

In Indiana, several factors influence the cost of commercial auto insurance. While premiums tend to align with national averages, personal factors such as the type of work you do, the vehicles you drive, and the coverage you choose will have the most significant impact on the premium you actually pay.

Some factors that may affect your premium include:

• Job or Industry: Jobs like construction or delivery typically have higher premiums.
• Type of Vehicle: Larger vehicles or those used to transport goods often cost more to insure.
• Driving History: Drivers with a clean history usually pay lower rates.
• How Far You Drive: If your vehicle travels long distances or goes through busy areas, your costs may increase.
• Coverage Amount: Choosing higher limits or additional coverage will increase the premium.

GEICO also offers commercial auto insurance payment plans to help Indiana businesses get the protection they need. It’s also important to note that the size of a settlement generally doesn’t impact insurance costs.

How to Save on Commercial Auto Insurance in Indiana

GEICO focuses on giving business owners in Indiana the right commercial auto insurance at the right price. When combined together these savings can significantly lower your premiums while ensuring that your business continues to have the protection it needs. Consider these options to help reduce your premiums:

• Pay in Full: You can save money by paying your entire bill at once instead of monthly payments.
• DriveEasyPro Rewards and Savings: Our telematics program can reward you with lower rates for safe driving. DriveEasy Pro is designed to help you understand your driving habits and may help you unlock savings.
• Vehicle Equipment Features: Business vehicles with certain safety features such as anti-lock brakes, airbags, anti-theft devices, or auxiliary running lamps may qualify for lower rates.
• Good Driving Record: Drivers with clean driving records may qualify for lower rates because they’re less likely to be involved in accidents.
• Defensive Driving Discount: Eligibility varies by state, but completing a defensive driving course may help you save even more.
• CDL Experience Discount: Based on the number of drivers with a Commercial Driver’s License (CDL), your business may be eligible for extra savings.

Why Choose GEICO for Indiana Commercial Auto Insurance?

GEICO provides personalized, cost-effective solutions for Indiana business owners. Our policies cover a wide range of vehicle types, and the fast claims process helps minimize downtime after an incident. Flexible payment options, dedicated insurance specialists, and strong financial backing ensure that your business vehicles are protected no matter the size of your delivery trucks.

With flexible payment options, personalized coverage, and experienced agents, GEICO is here to support your business, no matter how big or small.

How to Get an Indiana Commercial Auto Insurance Quote from GEICO

Getting a free commercial auto insurance quote in Indiana is easy. You can apply online or speak with a customer support specialist by calling 866-509-9444. Simply provide your business information, driver details, and coverage preferences. GEICO helps Indiana businesses find the right coverage for their vehicles, employees, and operations quickly and confidently.

Start your quote today and gain the peace of mind that comes from knowing your Indiana commercial vehicles are properly insured.