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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 2025?
When shopping for commercial auto 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 a leading small business insurance agency that works with 40+ U.S. insurance providers to find the right coverage for your small business. We've helped over 400,000 small businesses get protected with more than 1.5 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
All of our insurance partners are rated excellent or superior by AM Best, a global credit rating agency specializing in the insurance industry. Some providers specialize in commercial auto coverage for certain professions, and others operate only in limited areas.
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Best-rated commercial auto insurance companies
Insureon provide quotes from the most trusted sources of commercial auto insurance for small businesses.
Based on financial strength and overall rating, our top carriers for this policy include:
- Acuity: Rated A+. Located in Sheboygan, WI. Specializes in property and casualty insurance.
- Liberty Mutual: Rated A. Located in Boston, MA. Specializes in property and casualty insurance.
- Progressive: Rated A+ by AM Best. Located in Mayfield Village, OH. Specializes in auto and homeowner's policies.
- The Hartford: Rated A+ by AM Best. Located in Hartford, CT. Specializes in property and casualty insurance, group benefits, and mutual funds.
- Nationwide: Rated A+ by AM Best. Located in Columbus, OH. Specializes in auto insurance, commercial insurance, mutual funds, retirement plans, and specialty health services.
How much does commercial auto insurance cost?
The average price of a commercial auto insurance policy is $147 per month for Insureon's small business customers.
Commercial auto insurance premiums are calculated based on a few different factors, including:
- Number of business vehicles
- Types of vehicles and their value
- Employee driving records
- Coverage limits and deductible
- Claims history
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Best commercial vehicle insurance providers by industry
Whether you're searching for commercial trucking insurance or coverage for delivery drivers, your type of business is one of the biggest factors. An insurer that's familiar with the risks of your specific profession can point you to the right coverage for your unique exposures.
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 Progressive, Acuity, and Nationwide.
They can help you find auto policies for specialized risks, 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 job site.
Cleaning
Cleaners often depend on Acuity or Nationwide for auto insurance. They can help you find commercial auto coverage for company-owned vehicles, 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 inland marine insurance, as commercial property insurance only protects items stored at your business address.
Consulting
Progressive, Nationwide, and Liberty Mutual are a trusted source of commercial auto insurance for IT consultants and other consulting firms.
They can help you find coverage for everything from a fleet of company vehicles to a personal car that visits clients' homes and offices. You can also 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 Progressive, Acuity, and Liberty Mutual for commercial auto insurance.
These companies can help you find policies that protect your landscaping trucks wherever they go. If your pickup accidentally damages a client's fence, or an employee rear ends another vehicle, this policy can help with repair costs, medical payments, 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 different job sites.
Auto services
Car detailers, mechanics, and other auto service professionals often rely on Progressive or Liberty Mutual for commercial auto insurance. These companies can help you find coverage for the unique risks of your profession.
Because of the nature of your work, you may want protection for your customers' vehicles as well as your own. For example, garage keepers insurance helps cover costs in case a customer's car is damaged or stolen while in your care.
Retail
Nationwide and Liberty Mutual 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. 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
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Best commercial auto insurance providers by state
While many carriers operate nationally, some only cover a limited area. That's why your state also matters when looking for an insurance provider.
The laws and regulations for commercial auto liability insurance also vary depending on where your business operates.
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 insurance companies |
|---|---|
Progressive | |
Progressive The Hartford Liberty Mutual | |
Progressive The Hartford Liberty Mutual | |
Acuity Progressive The Hartford | |
Progressive The Hartford Liberty Mutual |
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Other important policies for small businesses that purchase business auto insurance
Commercial auto insurance helps you comply with the law and pay for costly auto accidents, but it's not the only business insurance coverage you need. To protect against other risks, small business owners often buy the following insurance products:
- General liability insurance: This policy pays for legal costs and medical bills from common accidents, such as a customer who slips on a wet floor at your office and suffers a bodily injury.
- Business owner's policy: A business owner's policy combines general liability coverage with commercial property insurance in a cost-saving package. It provides coverage in the event of a customer accident or business property damage.
- Workers’ compensation insurance: Workers' comp covers medical expenses when an employee is injured on the job. Most states require this coverage for businesses that have employees.
- Professional liability insurance: This policy helps pay for legal costs if a customer sues your business for a mistake or negligence, and it's recommended for any business that offers professional services or advice. It’s also known as errors and omissions insurance (E&O).
- Cyber insurance: This policy covers expenses related to data breaches and cyberattacks, such as the cost of notifying affected customers. It's sometimes called data breach insurance.
- Commercial umbrella insurance: When your underlying general liability, commercial auto, or employer's liability insurance policy reaches its limit, umbrella insurance kicks in to provide additional coverage. It's often used to increase general liability limits to those required by a contract.
How do I find the right commercial auto insurance?
It's easy to get commercial auto insurance with Insureon. Fill out our easy online application to receive quotes from trusted providers. Our expert insurance agents are available to help answer any questions about policy limits, exclusions, and coverage options. Most businesses can get same-day coverage and easily download a certificate of insurance as proof of coverage right away.
Updated: March 3, 2025
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