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Compare commercial car insurance for your industry

List of commercial car insurance by business type

Updated

Fact checked

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.

  • Retail & services
    • Plumbers
    • Repair service
    • Lawncare
  • Food service
    • Restaurants
    • Bars
    • Food trucks
    • Caterers
  • Transportation
    • Buses
    • Trucks
    • Cabs
    • Limos
    • Delivery drivers
  • Technology companies
    • Tech support
    • Utilities
    • Cable companies
  • Automotive services
    • Car dealers
    • Repair and service shops
    • Rental car business
    • Car wash
  • Manufacturing
    • Suppliers
    • Wholesalers
    • Distributors
    • Pharmaceutical reps
  • Construction
    • Contractors
    • Surveyors
    • Inspectors
  • Professional services
    • Attorneys
    • Real estate agents
    • Engineers
    • Insurance adjusters
  • Public sector
    • Government staff
    • Military members
    • Police officers
    • Mail carriers
  • Nonprofit
    • Social advocacy groups
    • Animal welfare groups
    • Trade groups

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

Name Product AM Best financial rating Available states
Progressive commercial car insurance
A+
All 50 states
Cover nearly any business vehicle from box trucks to limos with big savings from discounts, safety programs and a single deductible.
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.
CoverWallet commercial car insurance
Not rated
All 50 states
Compare multiple quotes for business auto insurance to find the cheapest rates from this online commercial insurance broker.
Geico commercial car insurance
A++
All 50 states
Discover discounts you won't find with other commercial insurers and pick the most convenient pay schedule for your business.
Esurance commercial car insurance
A+
All states except AK, DE, HI, MT, NH, VT, WY
Help yourself to dozens of coverage options and accelerated claims process for business cars, vans or box trucks.
Liberty Mutual commercial car insurance
A
All 50 states
Take advantage of telematics to monitor and improve employees' driving and save on insurance premiums.
Allstate commercial car insurance
A+
All 50 states
Customized, industry-specific polices like leased car coverage plus quick claims filing.
Farmers commercial car insurance
A
All 50 states
Enjoy an agent’s help building standard or specialized coverage, including mobile business interruption or food truck packages.
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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.

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