Progressive, Allstate, and Farmers Insurance have some of the best coverage options for commercial vehicle insurance, with policies for small businesses and big fleets.
Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Commercial auto insurance policies cover vehicles used for business purposes. Whether you haul equipment in your personal pickup or have a fleet of box trucks, a commercial auto insurance policy provides protection against financial hardship.
Personal car insurance policies are generally a lower risk for insurers and won’t cover accidents that occur when you’re using your vehicle for business. Commercial car insurance has higher liability limits than personal coverage, but it also has higher premiums and deductibles.
Compare policies from top companies below to find an insurer that fits your commercial auto insurance coverage needs.
Quick Facts
Insuring a commercial use vehicle is often more expensive than insuring a personal vehicle because the payouts are generally higher.
Some auto insurers offer business-use endorsements on personal car insurance policies, but this add-on covers only certain business tasks.
Most commercial auto insurance policies don’t cover goods or equipment stored inside a company car or commercial vehicle. Commercial inland marine coverage pays for theft or damage to these assets.
Best commercial car insurance companies
Insurify reviewed policy options from top commercial auto insurance companies to find the best coverage for every type of business.
You can compare the commercial car insurance companies below to find the right policy for your needs.
Allstate: Best for customer support
customer supportAllstate
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Allstate offers commercial auto insurance policies alongside business liability and property insurance so you can easily manage commercial policies in one place. Customers report a more positive experience than average with Allstate, according to the National Association of Insurance Commissioners (NAIC) Complaint Index.
Pros
Provides rental car coverage if your business vehicle is in an accident
Offers coverage for a wide array of vehicle types and across several industries
Superior credit rating, indicating a strong ability to pay claims[1]
Cons
Doesn’t cover the contents inside business vehicles
Commercial auto insurance isn’t available in every state
Must call an agent to request a quote
Farmers Insurance: Best for small businesses
small businessesFarmers
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Farmers Insurance offers some of the best commercial auto insurance for small business owners, with special coverages for contractors and food trucks. Contractor coverage includes insurance for tools and equipment stored in the business vehicle. Farmers also offers coverage for leased or loaned business vehicles.
Pros
Telematics features to monitor employee safety habits in some states
Specialized policies for contractors
Offers food truck coverage
Cons
Coverage not available in every state
More customer complaints than average, according to the NAIC
Some policyholders report poor customer service
State Farm: Best for non-owned business vehicles
non-owned business vehiclesState Farm
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State Farm offers commercial auto insurance policies for various vehicles, including pickup trucks, farm vehicles, and vans. The insurer also provides add-on coverage for non-owned vehicles, including employees who use their cars for business and people who hire, lease, or finance vehicles.
State Farm’s commercial insurance products ranked second for customer satisfaction in a 2024 J.D. Power study.[2]
Pros
Offers coverage for farm vehicles
Ranks highly for customer satisfaction
Offers bundling options with a business owners policy (BOP)
Cons
Requires separate coverage for tools stored in business vehicles
Some customers report issues with the claims process
Must speak to an agent to get a quote
Progressive: Best for specialized policies
specialized policiesProgressive
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Progressive is the largest commercial auto insurance company in the U.S., providing policies for a wide range of vehicles, including food trucks, dump trucks, vans, tow trucks, and box trucks.[3] Progressive also offers other types of business insurance for easy policy management in one place.
Pros
Specialized insurance for most types of commercial vehicles
Bundling discounts for commercial auto, personal auto, and business insurance
Offers coverage in all 50 states
Cons
Some customers report issues with the claims process
Limited support from local agents
No coverage in Washington, D.C.
Travelers: Best for commercial fleets
commercial fleetsTravelers
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Travelers is one of the best commercial auto insurance companies for fleet vehicle coverage. The insurance company offers blanket additional insured coverage, meaning businesses with large fleets, like taxis or delivery vans, don’t need to list each contracted person on the policy.
Pros
Industry-specific coverage for multiple sectors
Liability coverage limits of up to $1 million
Offers gap insurance for leased or financed cars
Cons
No self-service option to get quotes online
Some customers report issues with the claims process
Ranks low for customer satisfaction, according to J.D. Power
Our editorial team analyzed regional and national auto insurance companies that sell commercial policies to assess which offer the best rates, coverage options, customer service, and savings. We prioritized competitive rates, 24/7 customer service, and specialty or supplemental coverages. We considered third-party financial strength rating data from AM Best and J.D. Power.
What is commercial car insurance?
Personal auto insurance covers the car you drive outside of work, but commercial auto insurance covers vehicles used for business. Commercial auto insurance typically has higher liability limits and covers a broader range of vehicles than personal auto insurance.
Whether you have a commercial fleet of taxis or delivery trucks or are a business owner who uses your personal vehicle for work, you need commercial auto insurance for the proper coverage.
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Who needs commercial car insurance?
Company owners who use a personal vehicle for business purposes, as well as owners of certain vehicle types, like food trucks, need commercial car insurance. Personal auto insurance policies exclude large fleet vehicles.
Common businesses that need commercial auto coverage include:
Contractors, builders, and landscapers who haul equipment and tools in their vehicles
Field technicians, like HVAC professionals, who travel to customers’ homes
Caterers who deliver food for events
Businesses that use company cars to transport goods or services
Transportation services
Delivery companies
Good to Know
Independent contractors, like rideshare drivers and gig delivery drivers, don’t need commercial car insurance. Instead, insurers offer rideshare insurance as an add-on to personal car insurance policies.
What commercial auto insurance covers
Commercial car insurance policies generally include the following coverages:
Liability coverage
If you cause an accident, liability coverage pays for medical bills and property damage for the other driver and their vehicle.
Collision coverage
Collision insurance pays for damage to your vehicle after an accident, regardless of fault.
Comprehensive coverage
Part of a full-coverage policy, comprehensive insurance pays to repair or replace your vehicle after non-accident damage, like from weather events or falling objects.
Uninsured/underinsured motorist coverage
UM/UIM insurance covers your medical bills and the damage to your vehicle if you’re in an accident with an uninsured or underinsured driver.
Medical payments coverage
MedPay covers medical bills or funeral expenses for you and your passengers if you sustain an injury in an accident.
Some commercial auto insurance companies also offer add-on coverage, such as coverage for tools and equipment stored in your vehicle and coverage to lease another car if your business vehicle is in an accident. Commercial car insurance offers higher liability limits than personal auto policies to cover costlier auto exposures, like lawsuits or settlements.
What commercial auto insurance doesn’t cover
Commercial vehicle insurance doesn’t cover all costs related to an accident or theft. Insurers commonly exclude the following from coverage:
Contents inside your business vehicle, including tools, equipment, or goods
A medical event while driving the commercial vehicle, unrelated to a collision
Accidents caused by driving under the influence
Accidents that occur while using a business vehicle for personal use
Ridesharing vehicles or gig delivery work
To ensure you have coverage, closely review your insurance needs and policy language with a licensed insurance agent.
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Best commercial car insurance FAQs
Check below for answers to the most common questions about commercial auto insurance.
The best commercial auto policy depends on your business needs. Some insurers, like Farmers, have policies tailored for small businesses and contractors. Other insurance companies, like Travelers, specialize in coverage for large commercial fleets.
No. Commercial auto insurance premiums are usually higher than personal car insurance costs because the policies are a greater risk for insurers and payout limits are higher. Business-use sedans, SUVs, and pickups are cheaper to insure than delivery vehicles or tow trucks.
Personal car insurance covers medical bills and property damage you cause while driving your car to work or for leisure. Personal auto insurers may cover a passenger vehicle for limited business activities under a business use endorsement. But if you use your business vehicle for deliveries or transporting goods and people, you need commercial vehicle insurance to account for the higher risk.
Progressive is the largest commercial auto insurance company in the U.S., according to the NAIC. The insurer covers about 15% of the market, followed by Travelers with a 5% share.
Commercial auto insurance policies cost between $220 and $1,200 per month, according to Insurify data. Premiums depend on several risk factors, including the vehicle type, the policyholder’s driving record, the business’s location, and the coverage level. Comparing rates with several insurers can help you find the lowest premium for the coverage you need.
Yes. State Farm offers commercial truck insurance for pickups, box trucks, and flatbeds. State Farm also provides commercial inland marine policies, which cover equipment and items inside the business vehicle.
Yes. Liberty Mutual offers commercial car insurance for every business size, from single vehicles to large fleets. A commercial policy from Liberty Mutual covers liability, physical damage, bodily injury, and uninsured motorists.
Yes. Allstate offers commercial vehicle insurance coverage for cars, SUVs, vans, pickup trucks, box trucks, and service utility vehicles. Allstate’s commercial auto insurance includes collision, comprehensive, UM/UIM, rental car, and liability coverage.
Sources
AM Best. "AM Best Affirms Credit Ratings of The Allstate Corporation and Core Subsidiaries; Downgrades Ratings on Certain Subsidiaries."
J.D. Power. "Small Commercial Insurance Customer Retention Hinges on Trust in Rising Rate Environment, J.D. Power Finds."
Digital Insurance. "20 insurers with the largest commercial auto market share."
Cassie Sheets
Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.
Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.
Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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