State and location: Vermont and New Hampshire have the cheapest commercial vehicle insurance in the US (MoneyGeek 2026). Urban markets with dense traffic — New York, Los Angeles, Chicago — carry higher auto premiums.
Claims history: One at-fault accident can raise your commercial food truck auto insurance by 20% to 40%. A three-year claims-free record qualifies for safe driver discounts across most carriers.
Number of employees: Every added employee increases your workers’ comp exposure. Most carriers re-rate workers’ comp annually based on payroll.