Commercial Auto Insurance Calculator

Fleet Discount applies once Number of Vehicles reaches 5 (and a larger discount once it reaches 10), reducing the total premium for the whole fleet -- since each vehicle is otherwise priced the same, that discount lowers Annual Cost per Vehicle at those two thresholds even though nothing about any individual vehicle changed. Between thresholds, Annual Cost per Vehicle stays flat as you add vehicles, since the discount rate itself doesn't change again until the next threshold.

Passenger transport carries the highest use-type factor in this model, followed by Long-haul, then Delivery, with Service/Trade as the lowest-cost baseline -- reflecting that carrying passengers or driving long distances typically carries more liability and accident exposure than local service calls. Switching Vehicle Use Type while holding every other input constant changes Total Annual Premium by that factor's full ratio.

Yes -- a higher Physical Damage Deductible means the insurer pays less on each physical-damage claim, so Total Annual Premium steps down at $1,000 and again at $2,500 in this model. It never increases as the deductible rises; the trade-off is that a higher deductible means more out-of-pocket cost per claim if a vehicle is actually damaged.

Annual Mileage per Vehicle applies a step-function multiplier: over 12,000 miles raises the rate 10%, and over 20,000 miles raises it 30%, reflecting the added crash exposure of higher-mileage driving. A fleet with vehicles driven under 12,000 miles a year pays the baseline rate on this factor, while a long-haul fleet logging 25,000+ miles per vehicle pays noticeably more.