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The Best Commercial Auto Insurance

If you drive a business-owned vehicle for work purposes, you need commercial auto insurance. Our list of the best business vehicle insurance companies will help you find the right provider.

    Erica Seppala

  • Last updated onUpdated

    • Shelbi Wescott

  • REVIEWED BY

    Shelbi Wescott

    Expert Contributor

Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.

Commercial auto insurance is an essential type of coverage — and in some cases, a legal requirement for small businesses. Policies typically include liability, collision, comprehensive coverage, medical payments (personal injury protection, or PIP), and protection against uninsured motorists.

To help you find the right coverage, we compared more than 20 commercial auto insurance providers. Each was evaluated based on pricing, reliability, policy options, and overall value.

If your business involves transporting cargo across state lines with large commercial vehicles, you may need commercial trucking insurance. This type of coverage is designed for owner-operators and businesses regulated by the Federal Motor Carrier Safety Administration (FMCSA). If that applies to you, check out our guide to the best commercial truck insurance.

Learn More About Our Top Picks

CompanyBest ForNext StepsBest For
The Hartford Small Business Insurance

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  • Available in most states
  • 24/7 claims assistance
  • Comprehensive commercial auto coverage
  • Available in most states
  • 24/7 claims assistance
  • Comprehensive commercial auto coverage

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ERGO NEXT Business Insurance

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  • Available in most states
  • 24/7 claims support (via partners)
  • Bundle discounts across multiple policies
  • Available in most states
  • 24/7 claims support (via partners)
  • Bundle discounts across multiple policies

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biBERK

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  • Available in select states
  • 24/7 claims support
  • Direct-to-business pricing model
  • Available in select states
  • 24/7 claims support
  • Direct-to-business pricing model

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Progressive Commercial Insurance

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  • Available nationwide
  • 24/7 claims support
  • Flexible coverage for cars, trucks, and fleets
  • Available nationwide
  • 24/7 claims support
  • Flexible coverage for cars, trucks, and fleets

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Nationwide Commercial Insurance

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  • Available in most states
  • 24/7 claims support
  • Flexible coverage for fleet operations
  • Available in most states
  • 24/7 claims support
  • Flexible coverage for fleet operations

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Travelers Small Business Insurance

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  • Nationwide availability
  • 24/7 claims support
  • Strong network of local agents
  • Nationwide availability
  • 24/7 claims support
  • Strong network of local agents

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Read more below to learn why we chose these options.

The Best Commercial Car Insurance For Your Small Business

Commercial auto insurance is necessary for business-owned vehicles. Wondering how to find the best policy? Start with our list of the best commercial auto insurance providers.

How The Top Commercial Auto Insurance Companies Compare

Online QuotesLarge Vehicle Coverage
The Hartford Small Business Insurance
ERGO NEXT Business Insurance
biBERK
Progressive Commercial Insurance
Nationwide Commercial Insurance
Travelers Small Business Insurance

The Hartford Small Business Insurance: Best Overall Commercial Auto Insurance

The Hartford Small Business Insurance

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Read our Review

Total Rating 4.3
Pricing4.5

Features5.0

Customer Service3.0

User Reviews3.0

Pricing

Varies. Average general liability is $810/year

Types of insurance offered

30+ policy types

Time to receive quote

Usually same-day

Pros

  • Comprehensive commercial auto coverage options
  • Strong claims support with 24/7 availability
  • Suitable for a wide range of business sizes

Cons

  • Quotes typically require working with an agent

Why We Chose The Hartford

The Hartford stands out for its comprehensive commercial auto coverage and strong reputation among small and midsize businesses.

With flexible policy options, nationwide availability, and 24/7 claims support, The Hartford offers reliable protection for businesses that rely on vehicles as part of their operations.

The Hartford Pricing

The Hartford offers customized pricing based on factors such as your business type, number of vehicles, driving history, and coverage needs.

To receive a quote, you’ll typically need to work with an agent, as online pricing tools are limited. This allows for more tailored coverage but may take more time than fully digital providers.

The Hartford Coverage

The Hartford offers commercial auto insurance for a wide range of vehicles, including cars, vans, pickup trucks, box trucks, and service utility vehicles.

Policies can be customized with the following coverage options:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist coverage
  • Hired and non-owned auto coverage
  • Rental car coverage
  • Drive Other Car coverage (CA 99 10)

Like most commercial auto policies, The Hartford excludes certain types of claims, including:

  • Medical expenses unrelated to a covered accident
  • The contents of your business vehicle
  • Accidents involving employee-owned vehicles used for personal purposes
  • Certain rental car repair costs

Choose The Hartford If...

  • You need comprehensive coverage for multiple vehicles or drivers
  • You want reliable claims support from an established insurer
  • You prefer customized policies tailored to your business

Get Started With The Hartford Small Business Insurance

Read our in-depth review

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ERGO NEXT Business Insurance: Best For Bundled Discounts

ERGO NEXT Business Insurance

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Read our Review

Total Rating 4.4
Pricing4.9

Features4.3

Customer Service3.5

User Reviews4.3

Pricing

Starting at $19/month

Types Of Insurance Offered

8+ policy types

Time To Receive A Quote

Instant online quotes

Pros

  • Easy online quotes through partner providers
  • Discounts for bundling multiple policies
  • Convenient platform for managing business insurance

Cons

  • Commercial auto coverage provided through a partner insurer
  • Availability varies by state

Why We Chose ERGO NEXT

ERGO NEXT stands out for its ability to bundle multiple business insurance policies at competitive rates.

While it doesn’t directly underwrite commercial auto insurance, ERGO NEXT partners with Progressive to provide coverage --making it a convenient option for small businesses that want to manage multiple policies in one place.

ERGO NEXT Insurance Pricing

ERGO NEXT offers online quotes, though commercial auto insurance is provided through its partner, Progressive.

You can quickly request a quote online and compare pricing based on your business needs. Final costs will depend on factors such as vehicle type, location, and coverage selections.

ERGO NEXT Insurance Coverage

Through its partnership with Progressive, ERGO NEXT offers access to standard commercial auto insurance coverage, including:

  • Liability
  • Physical damage (collision and comprehensive)
  • Medical payments
  • Uninsured/underinsured motorist
  • Hired and non-owned auto coverage

Coverage is available for a range of business vehicles, including passenger vehicles, vans, trucks, and trailers.

Choose ERGO NEXT If...

  • You want to bundle commercial auto with other business insurance policies
  • You prefer getting quotes online quickly
  • You’re looking for a simple, all-in-one insurance platform

Get Started With ERGO NEXT Business Insurance

Read our in-depth review

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biBERK: Best For Competitive Pricing

biBERK

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Pros

  • Competitive pricing for small businesses
  • Fast and easy online quotes
  • Direct purchasing without brokers

Cons

  • Not available in all states

Why We Chose biBERK

biBERK stands out for its direct-to-business model, which helps keep costs competitive for small business owners.

As part of Berkshire Hathaway, biBERK combines strong financial backing with a streamlined online experience, making it a solid choice for businesses focused on affordability.

biBERK Pricing

biBERK offers personalized pricing based on your business type, vehicles, and coverage needs.

Quotes can be obtained quickly online, with a streamlined process that allows businesses to compare options and purchase coverage directly.

biBERK emphasizes cost savings through its direct model, which eliminates the need for traditional broker involvement.

biBERK Coverage

biBERK offers standard commercial auto insurance coverage, including:

  • Bodily injury liability
  • Property damage liability
  • Medical payments and personal injury protection
  • Uninsured/underinsured motorist coverage
  • Collision and comprehensive coverage

Policies can cover a wide range of business vehicles, including cars, trucks, vans, and trailers. Optional add-ons such as roadside assistance and rental reimbursement may also be available.

Choose biBERK If...

  • You want affordable commercial auto insurance
  • You prefer buying directly without working through a broker
  • You want a fast, online quote process

Get Started With biBERK

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Progressive Commercial Insurance: Best For Mixed Vehicles

Progressive Commercial Insurance

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Pros

  • Covers a wide range of vehicle types
  • Flexible options for mixed fleets
  • Discounts and policy customization available

Cons

  • Pricing requires a personalized quote

Why We Chose Progressive

Progressive stands out for its ability to cover a wide range of vehicles under one provider, from standard business cars to larger trucks and trailers.

With flexible policy options and additional trucking coverage available, Progressive is a strong choice for businesses that operate mixed vehicle fleets.

Progressive Pricing

Progressive offers personalized pricing based on your business type, vehicles, and coverage needs.

While quotes are customized, Progressive provides general pricing insights, with median commercial auto premiums reported at around $211 per month. Your actual rate will vary depending on your vehicles, driving history, and coverage selections.

Progressive Coverage

Progressive offers standard commercial auto insurance coverage, including:

  • Liability
  • Physical damage (collision and comprehensive)
  • Medical payments
  • Uninsured/underinsured motorist
  • Hired and non-owned auto coverage

In addition to standard policies, Progressive also offers truck insurance options, including motor truck cargo and trailer interchange coverage — making it a flexible choice for businesses with diverse vehicle needs.

Choose Progressive If...

  • You operate a mix of cars, trucks, or specialty vehicles
  • You want flexible coverage options under one provider
  • You may need additional trucking-related coverage

Get Started With Progressive Commercial Insurance

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Nationwide Commercial Insurance: Best For Fleets

Nationwide Commercial Insurance

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Read our Review

Total Rating 4.4
Pricing4.1

Features5.0

Customer Service4.1

User Reviews4.4

Pricing

By personalized quote only

Types Of Insurance Offered

BOP + specialized coverage

Time To Receive A Quote

Approximately 30 minutes

Pros

  • Strong option for businesses with multiple vehicles
  • Wide range of coverage add-ons
  • Scalable policies for growing fleets

Cons

  • Not available in all states
  • Pricing requires working with an agent

Why We Chose Nationwide

Nationwide stands out for its ability to support businesses that operate multiple vehicles, making it a strong choice for fleet-based operations.

With flexible policy options and a range of add-ons, Nationwide is well-suited for companies that need scalable coverage across multiple drivers and vehicles.

Nationwide Pricing

Nationwide offers personalized pricing based on factors such as the number of vehicles, vehicle types, driving history, and coverage selections.

Businesses with larger fleets or higher liability needs may see higher premiums, depending on their risk profile and coverage levels.

Nationwide Coverage

Nationwide offers standard commercial auto insurance coverage, including:

  • Liability
  • Physical damage (collision and comprehensive)
  • Medical payments
  • Uninsured/underinsured motorist

Additional options may include:

  • Roadside assistance
  • Rental reimbursement
  • Towing and labor
  • Gap coverage
  • Expanded protection for hired or leased vehicles

Nationwide’s coverage is designed to scale with businesses that manage multiple vehicles or require more complex policy structures.

Choose Nationwide If...

  • You operate a fleet of vehicles
  • You need scalable coverage across multiple drivers
  • You want access to a variety of add-on protections

Get Started With Nationwide Commercial Insurance

Read our in-depth review

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Travelers Small Business Insurance: Best Nationwide Coverage

Travelers Small Business Insurance

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Read our Review

Total Rating 4.0
Pricing3.8

Features4.5

Customer Service4.5

User Reviews1.6



Pros

  • Nationwide coverage across most business types
  • Strong local agent support
  • Multiple discount opportunities

Cons

  • No online quotes available
  • Requires working with an agent

Why We Chose Travelers

Travelers stands out for its broad availability and ability to support businesses operating across multiple states.

With a strong network of local agents and flexible policy options, Travelers is a reliable choice for businesses that need consistent coverage no matter where they operate.

Travelers Pricing

Travelers offers customized pricing based on your business type, vehicles, location, and coverage needs.

While quotes are not available online, working with an agent allows for more tailored policy recommendations. Travelers also offers various discount opportunities that may help reduce overall costs.

Travelers Coverage

Travelers offers standard commercial auto insurance coverage, including:

  • Liability
  • Physical damage (collision and comprehensive)
  • Uninsured/underinsured motorist coverage

Policies can be enhanced with a range of add-ons, such as:

  • Hired and non-owned auto coverage
  • Gap coverage for leased vehicles
  • Additional insured protections

Coverage is available for a wide variety of vehicles, including passenger cars, vans, trucks, trailers, and fleets.

Choose Travelers If...

  • You operate in multiple states
  • You want consistent coverage across locations
  • You prefer working with a local agent

Get Started With Travelers Small Business Insurance

Read our in-depth review

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Business Insurance Review Methodology

Merchant Maverick has been researching and reviewing business insurance since 2020. Our writers have tested over twenty different major insurance companies. In each review, we evaluate pricing, features, customer service, and user reviews.

Weighted Rating Breakdown

Pricing 45%
Features 30%
Customer Service 20%
User Reviews 5%

Read more about how we rate business insurance providers.

When comparing different business insurance companies, we consider many data points, including relative pricing, the number of standard insurance policies available, and the ability to create custom policies. Our lists of the best business insurance providers include only those we’ve deemed worthwhile from multiple vantage points and often share qualities such as low cost, a variety of niche business insurance policies, multiple ways to file claims, and excellent customer support.

We spend an average of 10-15 hours researching and updating each one of our lists, ensuring that the business insurance companies included meet our internal standards for quality and reputation.

What Types Of Commercial Car Insurance Do You Need?

Most commercial auto policies start with liability coverage, which is required by law in most states. From there, you can customize your policy with additional coverage based on your business needs.

Here are some of the most common types of commercial auto coverage:

Common Types Of Commercial Auto Coverage

  • Bodily Injury Liability: Covers medical expenses for others if your driver causes an accident.
  • Property Damage Liability: Pays for damage your driver causes to another person’s property.
  • Drive Other Car: Extends coverage to executives and their spouses when driving vehicles not listed on your policy, such as rentals or borrowed cars used for business.
  • Collision: Covers damage to your business vehicle after an accident, regardless of fault.
  • Comprehensive: Covers non-collision damage, such as theft, fire, or certain weather events.
  • Medical Payments: Helps cover medical expenses for your driver and passengers after an accident.
  • Uninsured/Underinsured Motorist: Covers expenses if the at-fault driver lacks sufficient insurance.
  • Personal Injury Protection (PIP): Covers medical expenses, lost wages, and related costs after an accident.
  • Hired & Non-Owned Auto: Covers vehicles your business uses but doesn’t own, such as employee or rental vehicles.
  • Rental Reimbursement: Helps cover the cost of a rental vehicle while your business vehicle is being repaired.
  • Roadside Assistance: Covers services like towing, jumpstarts, and lockouts.
  • Auto Loan or Lease Gap: Covers the difference between a vehicle’s value and the remaining loan or lease balance if it’s totaled.
  • Expanded Towing: Increases towing limits and may include additional roadside services.

Understanding these coverage options can help you build a policy that fits your business, so you’re protected without paying for coverage you don’t need.

Do Gig Workers Need Commercial Car Insurance?

If you use your personal vehicle for gig work — like driving for rideshare or delivery apps — you may wonder whether you need commercial auto insurance.

The answer depends on how you use your vehicle.

In most cases, gig workers don’t need a full commercial auto policy. Instead, you’ll likely need rideshare or delivery insurance, which can be added as an endorsement to your personal auto policy or purchased as a hybrid policy.

This type of coverage helps fill the gap between your personal auto insurance and the limited coverage provided by companies like Uber, Lyft, or DoorDash.

However, if you use a vehicle exclusively for business purposes — such as a dedicated delivery vehicle — you may need a commercial auto policy.

Regardless of your setup, it’s essential to inform your insurance provider that you’re using your vehicle for work. Many personal auto policies exclude coverage for business use, which could leave you unprotected in the event of an accident.

How To Find Cheap Commercial Auto Insurance

When it comes to insurance, cheaper isn’t always better, but that doesn’t mean you can’t find affordable coverage that still protects your business.

According to data from Insureon, the average cost of commercial auto insurance is around $147 per month. However, many small businesses pay less, depending on their risk profile and coverage needs.

If keeping costs down is a priority, here are a few ways to lower your premiums:

Limit Your Drivers

Only include employees with strong driving records on your policy. Adding more drivers or higher-risk drivers can increase your premiums.

Choose Vehicles Strategically

The type, age, and value of your vehicles matter. Older, lower-value vehicles are typically less expensive to insure than newer, high-cost models.

Customize Your Coverage

Avoid paying for coverage you don’t need. For example, if your vehicles rarely travel far, add-ons like roadside assistance or expanded towing may not be necessary.

Work With An Expert

An insurance agent or broker can help you balance cost and coverage, ensuring you’re not overpaying while still protecting your business.

Finding affordable commercial auto insurance comes down to understanding your risks and tailoring your policy accordingly.

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Erica Seppala

Erica Seppala

Editor & Senior Staff Writer at Merchant Maverick
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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