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March 17, 2022
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Common Questions for Commercial Trucking for North Carolina

If you own or use a vehicle for your business in North Carolina, you likely need to purchase a commercial auto insurance policy. There are typically numerous coverages available under a commercial auto insurance policy, so be sure to check in with your ACF Insurance Services Inc. agent to determine which policies best fit your business’s needs.  

What Is Covered Under Commercial Auto Insurance? 
Commercial auto policies are similar to personal auto policies in that there are a variety of coverages you can often select when purchasing or building a policy. You typically have several different options available to you when it comes to commercial auto insurance, and you may be required by state law or lenders to carry certain coverages.  
Truck on the road
Here’s a list of common coverages under commercial auto policies:  

  • Liability coverageIn the state of North Carolina, businesses that use, own, rent or lease vehicles for business purposes must have minimum levels of liability insurance. This coverage helps pay for damages you may cause to a third party if you’re in an accident. There are typically two portions of a liability policy: 

  • Bodily injury liabilityThis portion helps pay for medical expenses that you or your business may be liable for in the event of an at-fault accident. 

  • Property damage liabilityThis portion helps pay to repair or replace the other driver’s vehicle or other property if you or another insured driver are at fault. 

  • Medical paymentsHelps pay for your injuries as well as injuries to passengers in your insured vehicle, no matter who’s at fault in an accident. 

  • Uninsured motorist bodily injuryHelps cover costs if you or an insured driver are injured by an underinsured or uninsured driver in an accident. 

  • Uninsured motorist property damageHelps cover costs if your insured vehicle is damaged by another driver who is uninsured or underinsured. 

  • ComprehensiveHelps provide coverage if your vehicle is damaged for reasons other than an accident, such as vandalism or theft. 

  • CollisionHelps pay for repairs or replacement of your insured vehicle in the event of an at-fault accident. 


To determine the coverages right for you and your auto policy, contact your agent for more information.  

How Much Does Commercial Auto Insurance Cost in North Carolina? 
The cost of your commercial auto insurance can vary. The average cost for commercial auto insurance in North Carolina ranges from $8,732 to $11,049, according to Commercial Trucking Insurance HQ. Variables affecting your rates include what you’re hauling, your driving history, types of coverage and how long you’ve been in the business. To discuss your premium costs, be sure to contact your agent.  

Get Started With Commercial Auto Insurance 
At ACF Insurance Services Inc., we’re ready to assist you with your coverage needs. To learn more about commercial auto insurance in North Carolina, contact an agent today.  

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