Question 1

How much is commercial auto insurance in Washington?

Accepted Answer

Commercial auto insurance in Washington typically costs $1,500 to $5,000+ per vehicle per year, depending on the vehicle type, use, driver records, and coverage limits. Fleet discounts are available for businesses insuring 3+ vehicles. We shop multiple carriers to find the most competitive rates.

Question 2

Do I need commercial insurance for DoorDash or Uber in Seattle?

Accepted Answer

Yes, if you use your personal vehicle for rideshare or delivery services like Uber, Lyft, or DoorDash, you need commercial or rideshare-specific insurance. Personal auto policies typically exclude coverage during commercial use. We offer affordable rideshare insurance options that bridge this gap.

Question 3

How much does fleet insurance cost per vehicle?

Accepted Answer

Fleet insurance in Washington typically costs $1,200 to $4,000 per vehicle per year, with significant discounts for larger fleets. A fleet of 5+ vehicles often qualifies for 10-20% lower per-vehicle rates compared to individual policies. The exact cost depends on vehicle types, driver records, and radius of operation.

Question 4

What is the difference between personal and commercial auto insurance?

Accepted Answer

Commercial auto insurance covers vehicles used for business purposes and typically offers higher liability limits, covers multiple drivers, and includes specialized coverages like hired/non-owned auto and cargo. Personal auto insurance covers personal-use vehicles only. Using a personal policy for business driving can result in denied claims.

Question 5

Does Good People Insurance offer multi-vehicle fleet discounts?

Accepted Answer

Yes, we offer significant fleet discounts for businesses insuring multiple vehicles. Our carrier partners provide tiered pricing with better rates as fleet size increases. We also offer flexible fleet management with easy add/remove capabilities as your fleet changes. Contact us for a custom fleet quote.

Question 6

What commercial auto coverage is required in Washington state?

Accepted Answer

Washington state requires commercial vehicles to carry minimum liability coverage of $25,000/$50,000 for bodily injury and $10,000 for property damage. However, most commercial operations need higher limits. We typically recommend $1,000,000 combined single limit. Federal requirements for interstate trucking are even higher.

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