If you decide to buy CDL driver car insurance, you will find that it is more expensive than typical insurance. This can come as a surprise if you think that you are only going to have to pay as much as you would for typical coverage, so it is good to know that it will be more expensive before you talk to a local provider about getting a new plan or policy. It is also good to understand exactly why you are being charged more money. This will help you to understand the charges so that you can appreciate why the coverage carries the price that it does. First of all, the coverage is more expensive because you will typically have other people in the vehicle with you. Studies have shown that distracted drivers are the ones who tend to crash the most. Those who have a lot of other people in the car with them are the ones who are distracted most often. This may have no impact on you in reality, but you will have to pay more simply because you are in a situation in which you could be distracted from paying attention to the road. Furthermore, you may need to pay more because you will have to get mandatory full coverage on the vehicle. Since you are using it for more than personal business, you need to have this higher level of coverage. You cannot just get standard PLPD like you can with a car that you use for personal transportation. Since it provides more coverage in the case of an accident, the CDL driver car insurance will cost you more money each month. This will pay off, however, if you are involved in an accident. Finally, you may have to pay more because of the increased use of the vehicle. When you use it for work, you may be on the road all day. Most people just use their cars to get to work and then to get back home, or to run errands. Since you are on the road more, the odds of your getting in an accident are higher.