Commercial Auto Insurance Quote
Get a commercial auto insurance quote that protects your business vehicles, your drivers, and your company. We compare carriers to find coverage for cars, trucks, vans, and fleets of all sizes.
Personal auto insurance doesn't cover vehicles used for business purposes. If your employees drive company cars, make deliveries, transport equipment, or visit client sites, you need commercial auto coverage. It's not optional. It's required.
Commercial auto protects your vehicles, covers liability when your drivers cause accidents, and keeps your business moving.
What Commercial Auto Insurance Covers
• Liability coverage - Injuries and property damage your driver causes to others. This is the core coverage and usually the largest portion of your premium.
• Collision coverage - Damage to your vehicle in an accident, regardless of fault. Pays for repairs or replacement.
• Comprehensive coverage - Non-collision damage: theft, vandalism, fire, weather, animal strikes. Protects your investment when parked.
• Medical payments - Medical costs for you and passengers in your vehicle, regardless of fault.
• Uninsured/underinsured motorist - Protects you when at-fault drivers lack adequate insurance.
• Hired and non-owned auto - Critical coverage for employees using personal vehicles for business. Their personal policy might not cover work-related use.
Who Needs Commercial Auto Insurance?
• Businesses with company-owned vehicles - Any vehicle titled to the business needs commercial coverage.
• Contractors who drive to job sites - Tools and equipment often need to be transported.
• Delivery services - Food delivery, courier services, and local delivery operations.
• Sales teams on the road - Salespeople visiting clients and prospects.
• Service providers - HVAC techs, plumbers, electricians, and other mobile service businesses.
• Anyone whose employees drive for work - Even occasional business use can void personal auto coverage.
Hired and Non-Owned Auto: Don't Skip It
What happens when an employee uses their personal car for a business errand and causes an accident? Their personal insurance might deny the claim because it was business use. You need hired and non-owned auto coverage to fill this gap.
This coverage protects your business when employees drive their own vehicles, when you rent vehicles, or when you borrow vehicles for business purposes. It's inexpensive and essential for most businesses.
What Affects Your Commercial Auto Rate?
• Vehicle types and values - Expensive vehicles cost more to insure. Larger vehicles have more liability exposure.
• Driver records - Clean driving records mean lower rates. Violations and accidents increase premiums.
• Annual mileage - More miles mean more exposure and higher rates.
• Cargo carried - Hazardous materials and valuable cargo increase risk.
• Coverage limits - Higher limits provide better protection but cost more.
• Radius of operation - Local operations cost less than regional or national fleets.