Commercial Auto Insurance
If your business owns, leases, or uses vehicles for work purposes, you need commercial auto insurance. Personal auto policies do not cover vehicles used for business — and driving uninsured can result in fines, lawsuits, and license suspension.
What Does Commercial Auto Cover?
- Liability — bodily injury and property damage you cause
- Collision — damage to your vehicle from accidents
- Comprehensive — theft, vandalism, weather, fire
- Uninsured/underinsured motorist — protection from other drivers
- Medical payments — injury to your driver/passengers
- Hired & non-owned auto — employees using personal or rental vehicles
Who Needs Commercial Auto?
- Contractors with work trucks
- Delivery and courier services
- Sales teams driving to client meetings
- Any business with company-owned vehicles
- Businesses where employees drive personal cars for work
How Much Does Commercial Auto Cost?
A single commercial vehicle typically costs $1,200–$3,000/year. Fleets get volume discounts. Key factors include vehicle type, driver records, mileage, and cargo.
Compare Top Commercial Auto Carriers
Commercial auto rates vary widely. Compare the leading carriers for business vehicles:
- Progressive vs GEICO — Two commercial auto leaders compared
- Hartford vs GEICO — Full-service vs budget auto carrier
- Progressive vs Hartford — Commercial auto and GL head-to-head
- Progressive vs biBERK — Commercial auto specialists compared
- Travelers vs Hartford — Two A++ carriers on auto, property & more
- Progressive vs Travelers — Pricing compared across all commercial lines
Cheapest commercial auto: GEICO and Progressive typically offer the lowest rates. Compare auto quotes →