Auto Insurance for Tradesmen and Manufacturers (Rates & Discounts)

Tradesmen and manufactures will need a commercial auto insurance policy. Auto insurance for tradesmen and manufacturers will cost more because of increased annual mileage. Companies like Progressive offer discounts to help tradesmen and manufacturers save on their auto insurance rates, but don't choose a auto insurance company for tradesmen and manufacturers until you compare quotes.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

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What You Should Know

  • Auto insurance for tradesmen and manufacturers tends to be pricey because of high annual mileage
  • A commercial auto insurance policy may be the best option for tradesmen and manufacturers
  • Auto insurance discounts can help cut down on the cost of a commercial policy

Auto insurance for tradesmen and manufacturers can be costly because they do a lot of driving. High annual mileage is something that auto insurance companies consider when quoting auto insurance rates for tradesmen and manufacturers. High mileage equals high rates.

Understanding auto insurance helps find the right policy for your driving situation. You will find that a commercial policy will work best for tradesmen and manufacturers. High mileage and a commercial policy will be expensive. Auto insurance discounts can help you save a lot.

To find affordable auto insurance for tradesmen and manufacturers, enter your ZIP code here.

Who has the cheapest commercial auto insurance for tradesmen and manufacturers?

The best commercial auto insurance companies for tradesmen and manufacturers will be those that offer discounts to help keep costs down. All top-rated insurance companies will have some discounts, but comparing what insurers offer will lead you to the best deals.

Here’s a look at what discounts you can find with various auto insurance companies.

Auto Insurance Discounts Available by Company
Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Claim Free
Continuous Coverage
Daytime Running Lights
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Electronic Stability Control
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Forward Collision Warning
Full Payment
Further Education
Good Credit
Good Student
Green Vehicle
Lane Departure Warning
Life Insurance
Low Mileage
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newer Vehicle
Newly Licensed
Occasional Operator
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Utility Vehicle
Vehicle Recovery
VIN Etching
Young Driver
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GEICO and Progressive auto insurance are known for offering great base rates. Additionally, they have some excellent discounts. However, you should still take the time to compare auto insurance quotes for tradesmen and manufacturers from all the major insurance companies.

Keep in mind that whether you are looking at large or small business auto insurance, the cost can vary drastically based on the company you choose. Each company assigns a risk level to you as a driver, and this will determine your base rate.

When determining risk, insurance companies look at:

  • Age
  • Driving Record
  • Annual Mileage
  • Credit Score
  • Claims History
  • Location
  • Education

Annual mileage will play a significant role in your rates when looking at commercial policies.

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Is a commercial auto insurance policy required for tradesmen and manufacturers?

If you drive your personal vehicle for work, you will need a commercial policy. If you are involved in an accident while on the job, a standard auto insurance policy will not cover you or your vehicle. You will be stuck trying to handle the financial burden of an accident on your own.

A commercial auto insurance company for tradesmen and manufacturers will provide coverage to you, the goods you may be hauling, and your vehicle. So, while commercial policies are more costly, they are necessary and worth it.

If you are driving a company vehicle, your employer is likely carrying a commercial policy on the car. In this case, there is nothing to worry about. If using your vehicle, you can check with your job to see if commercial auto insurance is provided before purchasing it.

When you are ready to buy auto insurance for tradesmen and manufacturers, enter your ZIP code here and compare rates from various companies.

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