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.

Our top pick: Insurance321 commercial car insurance

Insurance321 matches you with an agent or broker who can find the best commercial car insurance coverage for your business.

• Large network of insurers
• Coverage for any business vehicle
• Fast, convenient matching

• Free quotes in minutes
• Fleet & commercial experts
• Coverage for any industry
• Supports 30,000 businesses

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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.

Compare commercial car insurance

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Name	Product	AM Best financial rating	Available states
Progressive commercial car insurance		A+	All 50 states	This big-name lender offers general and specialized coverage for your drivers or fleet. But don’t expect top customer support.	Get quotes More Info	Compare	loading Fetching your data...
Insurance321 commercial car insurance		Not rated	All 50 states	Insurance321 matches you with an agent or broker who can find the best commercial car insurance coverage for your business.	Get quotes More Info	Compare	loading Fetching your data...
CoverWallet commercial car insurance		Not rated	All 50 states	Your customized business vehicle insurance starts with a quick expert assessment to find the best coverage for your company.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual commercial car insurance		A	All 50 states	Reduce the risk of fleet accidents with Liberty Mutual’s driver safety training and monitoring.	Get quotes More Info	Compare	loading Fetching your data...
Allstate commercial car insurance		A+	All 50 states	Thanks to customizable coverage and speedy claims, this big-name insurer can help protect you, your employees and your assets.	Get quotes More Info	Compare	loading Fetching your data...
Esurance commercial car insurance		A+	All states except AK, DE, HI, MT, NH, VT, WY	Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 43 states.	Get quotes More Info	Compare	loading Fetching your data...
Farmers commercial car insurance		A	All 50 states	Backed by nearly 100 years in the business and an A+ AM Best rating, Farmers Insurance aims to help you find the coverage you need for your business.	Get quotes More Info	Compare	loading Fetching your data...

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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.

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.