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Compare Commercial Auto Insurance Quotes

Coverage for business vehicles, fleets, and hired/non-owned auto — from single trucks to full fleets.

Reviewed by John Abbott, licensed P&C insurance producer (MO license #3003876211)

Vehicle & Fleet Coverage

Covers your work trucks, vans, and fleet vehicles for liability, collision, and comprehensive losses.

Hired & Non-Owned Auto

Covers employees driving rental cars or personal vehicles for business — a commonly overlooked exposure.

Cargo & Equipment

Add inland marine coverage to protect tools, equipment, and cargo in transit on your vehicles.

Google Reviews5.0 ★★★★★Average Customer Rating
MA

“They made insurance weirdly painless. Lightning-fast, clear explanations, and pricing that gave me real confidence I wasn't overpaying.”

Mike Altier ★★★★★

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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.

Cheapest commercial auto: GEICO and Progressive typically offer the lowest rates. Compare auto quotes →

Frequently Asked Questions

Yes — you need hired and non-owned auto (HNOA) coverage to protect your business when employees drive personal or rental vehicles for work purposes.
A single commercial vehicle costs $1,200-$3,000/year. Fleets get volume pricing. Cost depends on vehicle type, driver records, and annual mileage.
No. Most personal auto policies exclude business use. If you have an accident while using your car for work, your personal insurer can deny the claim.
HNOA covers liability when employees drive rental cars or personal vehicles for business. It fills the gap between your business liability and the employee personal auto policy.