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Best commercial auto insurance for small businesses
Not every provider offers the same coverage and support when it comes to commercial auto insurance. You'll want to look for a highly rated auto insurance company that's prepared to meet the unique risks of your business.
What are some of the best companies selling commercial auto insurance in 2026?
If you or an employee gets into an auto accident, out-of-pocket medical bills and legal costs could potentially sink your business, which is why you need commercial auto insurance.
For car insurance, you'll likely be balancing affordability against different coverage options. Standard commercial auto insurance covers bodily injury liability and property damage liability, but you may want comprehensive coverage or other physical damage coverage.
There are numerous other options, like uninsured motorist coverage, personal injury protection (PIP), and collision coverage.
Insureon is the #1 digital agency for small business insurance, partnering with 40+ U.S. insurance providers to find the best insurance coverage for your needs. We've helped over 450,000 small businesses get protected with more than 1.8 million policies.
When you compare quotes with our free application, we do the work for you by retrieving quotes from the companies that best match your business needs. The most important factors are:
- Best-rated commercial auto insurance companies, in terms of financial strength
- Best providers for your industry
- Best providers for your business's location
Some providers specialize in commercial auto coverage for certain professions, and others operate only in limited regions of the country. All of our insurance partners are rated excellent or superior by AM Best, a global credit rating agency specializing in the insurance industry.
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Best-rated commercial auto insurance companies
When buying a commercial auto policy with Insureon, you'll get quotes from some of the biggest names in the industry. We do the research for you, providing customized quotes only from those carriers who match your risks.
Keep in mind that personal car insurance only covers personal use, which is why you may need additional coverage.
Based on financial strength and overall rating, our top carriers for commercial auto insurance include:
The Hartford
Acuity
- AM Best rating: A+
- Customer rating: 96% claims satisfaction
- Focus: Reliability, customer satisfaction, and commercial truck insurance
- Coverage area: 30+ states, based in the Midwest
Liberty Mutual
- AM Best rating: A (Excellent)
- Customer rating: 90% highly satisfied with claims process
- Focus: Specialty vehicles, from construction to food trucks
- Coverage area: Nationwide
Chubb
- AM Best rating: A++
- Customer rating: 98% satisfaction rate
- Focus: Exceptional customer service and claims process
- Coverage area: Nationwide
Progressive
- AM Best rating: A+
- Focus: Affordability and comprehensive protection
- Coverage area: Nationwide, except for Washington, D.C.
How much does commercial auto insurance cost?
The average cost of commercial auto insurance is $245 per month for Insureon's customers. Annual premiums range from $350 to over $16,500 per year.
Underwriters calculate auto insurance rates based on several factors, including:
- Number of business vehicles
- Vehicle type and value
- Employee driving records
- Coverage limits and deductible
- Insurance options you choose, such as medical payments, roadside assistance, or underinsured motorist coverage
- Claims history
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Best commercial vehicle insurance providers by industry
Whether you're looking to insure semi-trucks or company cars, your type of business is one of the biggest factors. An insurer that's familiar with your profession can help you secure the right coverage for any unique risks, including delivery or rideshare insurance.
Here are the recommended providers of commercial auto insurance for our top industries:
Contractors
Construction and installation contractors and businesses have several good options for commercial auto insurance coverage, including Acuity, Progressive, The Hartford, and Liberty Mutual.
These providers can help you find auto policies for specialized types of vehicles, such as a mobile equipment endorsement for heavy machinery driven on a public road.
You'll also want to carry contractor's tools and equipment insurance to protect against theft or vandalism of your tools and equipment while they are in transit or at a jobsite.
Cleaning
Cleaners often depend on Acuity, Progressive, and The Hartford for auto insurance.
These insurance companies can help you find commercial auto coverage for a fleet of cleaning vans, or hired and non-owned auto insurance (HNOA) if you drive your personal vehicle for business purposes.
Make sure to protect your vacuums, floor buffers, and other cleaning equipment that travels in the vehicle with tools and equipment insurance, as commercial property insurance only covers items stored at your business address.
Consulting
The Hartford, Progressive, and Travelers are trusted sources of business auto insurance for IT consultants and other consulting firms.
They can help you find coverage for everything from a company car to a personal car that visits clients' homes and offices. You can choose the amount of coverage, ranging from basic liability coverage to comprehensive insurance that protects against a wide range of damages.
Landscaping
Lawn care and landscaping businesses often look to Acuity, Progressive, and The Hartford for commercial auto insurance.
These companies can help you find policies that protect your landscaping vehicles wherever they go. If your pickup truck accidentally damages a client's fence, or an employee rear ends another vehicle, this policy can help with repair costs, medical expenses, and legal costs.
Keep in mind that you may need contractor's tools and equipment insurance to cover your lawn mowers, leaf blowers, and other equipment that travels with you to jobsites.
Auto services
Car detailers, mechanics, and other auto service specialists often rely on Liberty Mutual, Progressive, and Acuity for commercial auto insurance.
These providers can help you find add-ons for unique automotive risks. For example, you may want protection for your customers' vehicles as well as your own. Garage keepers insurance helps cover costs in case a customer's car is damaged or stolen while in your care.
Retail
Progressive and The Hartford provide commercial auto insurance for retailers to cover your delivery trucks and other company vehicles.
They'll help you find the right type of coverage, whether you want protection for employees who run company errands or a regular delivery route. You can also get coverage for vehicle theft and vandalism, in case your shop operates in an area with high crime.
If you drive your personal car for business use, consider buying hired and non-owned auto insurance for liability protection. Personal auto insurance policies won't cover work-related driving, which is why you may need additional protection.
In addition to auto insurance, make sure to carry inland marine insurance to cover any products or inventory in transit.
Top industries that need commercial auto insurance
Best commercial auto insurance providers by state
While many carriers operate nationally, some only cover a limited area. State laws for auto insurance also vary dramatically, which is why it's important to find a provider who knows your region.
Here are the most popular carriers for our top five states, based on the number of commercial car insurance policies sold:
| State | Top 3 commercial auto providers |
|---|---|
Progressive | |
Progressive The Hartford Liberty Mutual | |
Progressive The Hartford Liberty Mutual | |
Acuity Progressive The Hartford | |
Progressive The Hartford Liberty Mutual |
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General liability insurance
General liability insurance covers common business risks like customer injury, customer property damage, and advertising injury. It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts.
Business owner’s policy
A business owner’s policy (BOP) bundles general liability insurance with commercial property insurance. It typically costs less than if the policies were bought separately.
Workers’ compensation insurance
Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees.
Professional liability insurance
Professional liability insurance, also called errors and omissions insurance, protects small businesses against the costs of client lawsuits over unsatisfactory work.
Cyber insurance
Cyber liability insurance, also called cybersecurity insurance, protects small businesses from the high costs of a data breach or malicious software attack. It covers expenses such as customer notification, credit monitoring, legal fees, and fines.
How do I find the right commercial auto insurance?
Insureon helps you find the best commercial auto insurance policy for your business from the nation's leading carriers. Get quotes for auto insurance, general liability, and other policies in one place by filling out our easy online application.
Our expert insurance agents can answer any questions you might have. They'll make sure your commercial policies are right for your profession, the laws in your state, and any unique risks you might have.
Most small business owners can get insured within 24 hours of applying for quotes. Policyholders can download a certificate of insurance (COI) at any time for proof of coverage.
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FAQs about commercial auto insurance
Commercial auto insurance is required for business-owned vehicles. Find out how to get a policy, what type of coverage you need, and the answers to other frequently asked questions.
Updated: March 6, 2026
The figures on this page are the median cost of policies purchased by 40,000 of Insureon's customers. The median offers a better estimate of what your business is likely to pay because it excludes high and low outliers. Most of our customers have five years or less in business, fewer than five employees, and annual revenue ranging from around $50,000 to more than $200,000.
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