Compare commercial car insurance for your industry

Your business might need auto insurance for transport vans, utility pickups and more, but it can be difficult to find the right level of coverage within your budget. Compare guides by industry to find the best commercial auto policies for your business.

Car insurance guides by business type

Which businesses need commercial auto insurance?

Companies that rely on vehicles for normal business operations need commercial auto coverage. Most states have requirements for certain kinds of vehicles, like vehicles carrying passengers or trucks carrying cargo or hazardous goods.

What kind of coverage do I need for my business?

Coverage can vary depending on your business, how many vehicles you have and many other factors.

• Type of vehicles. Tow trucks need vastly different coverage from school buses. A broker or insurer with expertise in your industry can help you find the right coverage.
• Number of vehicles and drivers. More vehicles will make your policy more expensive, but you may be able to get a multi-vehicle discount.
• Location and travel distance. Accident rates, population density and road conditions can vary depending on your location, and the farther your drivers travel, the more risk factors insurers have to consider.
• Coverage types. Transportation companies might need higher passenger coverage limits, while construction business might need higher cargo coverage for expensive tools.
• Coverage limits. You may be able to adjust your coverage limits to suit the needs of your business.
• Storage. Keeping your company vehicles in a garage or safe, covered area typically means better rates.
• Credit history. A higher credit score should get you better rates or even a discount.
• Driving history. Drivers with clean records and specialized licenses could help bring down the cost of coverage.

Compare commercial car insurance

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Name	Product	AM Best financial rating	Available states
CoverWallet		Not rated	All 50 states	Compare multiple quotes for business auto insurance to find the cheapest rates from this online commercial insurance broker.	Get quotes More Info	Compare	loading Fetching your data...
Insurance321 commercial car insurance		Not rated	All 50 states	Connect with a commercial agent who understands your industry and receive a personalized quote in as little as four minutes.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual commercial car insurance		A	All 50 states	Take advantage of telematics to monitor and improve employees' driving and save on insurance premiums.	Get quotes More Info	Compare	loading Fetching your data...
Allstate commercial car insurance		A+	All 50 states	Customized, industry-specific polices like leased car coverage plus quick claims filing.	Get quotes More Info	Compare	loading Fetching your data...

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Bottom line

Every business that relies on vehicles needs auto insurance, but not every company needs the same coverage and policy. Your industry is a big factor in what kind of coverage and how much protection your business needs.

Compare your commercial auto options to find the right insurance for your business.

Frequently asked questions

• Do I need garage keepers liability coverage?

  Yes, you’ll typically want this coverage if you store vehicles in a garage or warehouse on your property. Mechanics, towing companies, car washes and car dealers often get this coverage to protect customers’ cars while stored on site.

• Do I need insurance for my whole fleet?

  The general rule is that you’re required to have insurance for any vehicle that will be driven on a road. For example, you wouldn’t typically need insurance for a farm tractor you only use to plow your field or a golf cart you only use to drive across your campground. If you have certain vehicles that are backups, seasonally used or out of commission, you can remove them from your policy when they’re not in use.

• What is an operator's policy?

  An operator’s policy means you drive a vehicle you don’t own. A delivery company might employ different drivers for company-owned vehicles, and an operator’s policy would protect the delivery drivers while they’re on the clock. The owner of the car might be the company manager who doesn’t drive the trucks on deliveries, so only the drivers need to be on the policy.

  Compare that to an owner’s policy, where you own the car and the policy protects both you and anyone you allow to drive it. This kind of policy might be used for a company car owned by the business owner who shares the use of the vehicle with the sales team. The owner and drivers are all insured with the same policy by listing the employees as named drivers on the policy.

• Would I need special insurance to deliver food?

  Yes. It’s usually cheapest to get a business rider on your personal auto policy that covers you when you’re using your car to deliver food, like delivering pizza or using delivery apps like UberEats, GrubHub, or Instacart.