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 →