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Written byJamie Johnson
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Edited bySara Getman
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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In This Article
Commercial auto insurance protects your business from accidents that happen while you or an employee is driving a car for work. Without a business auto policy, you’d be responsible for covering any damages and injuries yourself.[1] These policies are typically more expensive than personal car insurance, since they offer more protection for higher risks.
That said, it’s still possible to save money on a commercial auto insurance policy. Every insurer sets its premiums differently, so rates and coverages can differ quite a bit from one to the next.
Erie, Progressive, and Nationwide are some of our top picks for commercial auto policies, but it’s important to do your own research and compare quotes.
Here’s what you need to know about finding the best commercial car insurance policy at the best price.
Key Takeaways
Most U.S. states require commercial auto insurance for business vehicles.
Experts recommend getting at least $1 million in coverage, with $500,000 as the minimum — even for small businesses.[2]
Before choosing an insurer, it’s important to review and consider their industry ratings and financial strength.
Our Picks for the Best Commercial Car Insurance
Shopping around for commercial auto insurance is the best way to save money and find coverage that fits your company’s needs. We chose the commercial auto companies below based on their coverage options, pricing, discounts, customer service, industry ratings, and overall claims satisfaction.
Best for customer service
Erie Insurance
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Erie provides customizable business auto insurance with many additional coverages. It offers commercial liability protection, full coverage, roadside assistance, and even trailer coverage. You can also opt for free add-ons, such as lost earnings coverage.
Erie also has the highest customer satisfaction rating in the J.D. Power 2025 U.S. Small Commercial Insurance Study and an A+ rating from the Better Business Bureau.
Pros
High J.D. Power customer satisfaction rating
Many unique coverage add-ons
AM Best financial strength rating of A (Excellent)
Cons
Not available nationwide
High number of NAIC complaints
Quotes not available online
Best for discounts
Progressive
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Progressive is the best option if you want to save by taking advantage of discounts. You could earn a discount for maintaining continuous coverage, bundling policies, paying in full, or paying via electronic funds transfer (EFT).
Along with liability coverage, Progressive has full coverage, uninsured motorist insurance, and medical payment coverage. Plus Progressive protects all kinds of vehicles, from vans to trucks and trailers. The company also offers two telematics programs.
Pros
Covers many types of commercial vehicles
Available nationwide
Many available discounts
Cons
Doesn’t always have the lowest rates
Poor Trustpilot rating
Customers complain about sudden rate increases[3]
Best for usage-based insurance
Nationwide
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Nationwide offers Vantage 360, its usage-based insurance program for commercial auto coverage. Vantage 360 is a fleet safety program with driver training add-ons that encourage safe driving.
You’ll earn a 10% discount for signing up. You’ll also have access to a web portal where you can monitor driver performance and review trip histories.
That said, Nationwide doesn’t offer semitruck insurance.
Pros
Above-average J.D. Power customer satisfaction score
Vantage 360 usage-based insurance program
Flexible coverage options
Cons
Doesn’t cover tractor trailers for semitrucks
May not be best option for large fleets
Poor Trustpilot rating
Best for customizable coverage
Auto-Owners Insurance
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When you purchase a commercial car insurance policy with Auto-Owners, you’ll receive standard coverage options like liability and property damage coverage, collision and comprehensive coverage, and roadside assistance.
That said, you can also customize your policy with add-ons like hired auto liability, diminished value coverage, and gap coverage.
Pros
Above-average J.D. Power customer service score
Many coverage options
Gap insurance available
Cons
Quotes not available online
Not available nationwide
Fewer digital tools than competitors
Best for industry-specific coverage
Travelers
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Travelers offers vehicle coverage and fleet-management tools for companies in the public sector (such as ambulances, police cars, fire trucks, and buses) and the oil and gas industries.
The company insures a wide variety of vehicles, including pickup trucks, work vans, cargo vans, and service utility vehicles. There’s no deductible for glass repairs, and you can get additional coverages like gap insurance and blanket coverage.
Pros
Above-average J.D. Power customer satisfaction score
AM Best financial strength rating of A++ (Superior)
Dealership insurance available
Cons
Not as many discounts as competitors
Not available nationwide
Quotes not available online
Our team analyzed average quotes, available coverages, customer satisfaction ratings, and other key factors to select the companies you see here. In addition to our in-house average rate data, we leaned on recognized industry experts like J.D. Power, AM Best, and more.
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.
How to Find the Best Commercial Auto Insurance for Your Business
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When shopping around for commercial insurance, price isn’t the only thing you want to consider. Here are the steps you can take to find the best commercial auto insurance:[2]
Consider your business’ needs. Start by thinking about any risks your business regularly faces. Note the size of your fleet, the types of items you transport, and your location. For example, a florist has different insurance needs and risks than a trucking company.
Know the legal requirements. Different states have different insurance requirements for commercial auto insurance. Driving without enough insurance can result in fines and other penalties. Learn about the laws in your state and any additional regulations specific to your industry.
Understand your coverage options. Next, you can begin to compare different types of coverages. On top of commercial liability coverage, you can also choose collision and comprehensive coverage, uninsured motorist insurance, and personal injury protection.
Consider add-ons. Think about any policy add-ons you may need, like roadside assistance, workers’ compensation, rental reimbursement coverage, or umbrella insurance. Some insurers also let you bundle commercial auto coverage with a business owners policy (BOP) for more protection and a possible discount.
Compare quotes. It’s important to get quotes from at least three insurance companies to find the best coverage at the best price. Also consider researching each company’s industry reputation and financial strength to ensure they have good customer service and can pay out your claims.
Find a Commercial Auto Insurance Policy
Check rates from a top business insurance company.
Best Commercial Car Insurance FAQs
Let’s look at some additional information about commercial auto insurance policies.
Which insurance company has the best commercial auto policy?
The “best” insurance company depends on your business, location, and coverage needs. But our top picks include Nationwide, Travelers, Auto-Owners, Progressive, and Erie. Ultimately, comparing quotes from multiple insurers will help you find the right policy at the right price for your business.
Is it cheaper to insure a commercial vehicle?
No. Commercial car insurance tends to cost more than personal car insurance since it includes higher liability limits and protects you from more risks. That said, it’s still possible to get cheaper rates by looking for discounts, comparing quotes, and hiring safe drivers.
Can you put your business vehicle on your personal insurance?
Not usually. You generally can’t include a business vehicle on your personal auto insurance policy. This is because personal car insurance isn’t designed to cover business risks. Your insurer also won’t cover the cost of any accidents that happen while you’re driving for work. It could even drop you altogether.
What’s the largest commercial auto insurance company?
Progressive is the largest commercial auto insurance company, with an almost 12% market share. The company also sold nearly $11 billion in premiums in 2024.[4]
How much is commercial insurance?
It depends. The cost of commercial auto insurance varies depending on your business size, location, insurer, fleet vehicles, and claims history.
Does State Farm offer commercial truck insurance?
Yes. State Farm offers insurance for a variety of vehicle types, including cars, flatbeds, box trucks, and farm vehicles. You can work with a State Farm agent to customize your trucking insurance.
Does Liberty Mutual offer commercial auto insurance?
Yes. Liberty Mutual offers commercial auto and fleet insurance. That said, you have to work with an agent to get coverage.
Does Allstate offer commercial auto insurance?
Yes. Allstate offers commercial auto insurance, but not in every state. You can check with an Allstate agent to see if coverage is available in your state.
Sources
- MN Commerce Department: Insurance. "Commercial Auto."
- III. "Business Vehicle Insurance."
- Trustpilot. "Progressive."
- Insurance Business Magazine. "10 best commercial auto insurance companies for US businesses."
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Jamie JohnsonInsurance Writer
Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
