Commercial Auto Insurance in Georgia
Save money by comparing insurance quotes from multiple carriers.
What kind of work do you do?
Commercial delivery vans in row.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Commercial auto insurance in Georgia

Commercial auto insurance covers legal fees and other expenses if a business-owned vehicle is involved in an accident. It's required for all commercial vehicles in Georgia.

Who needs a commercial auto insurance policy in Georgia?

Any Georgia company that uses vehicles for business purposes must insure them appropriately. Commercial auto insurance covers vehicles owned by your business, while hired and non-owned auto insurance (HNOA) covers personal, rented, and leased vehicles used by your business.

Your personal auto insurance policy covers you while driving to and from work, but not while making deliveries, picking up supplies, and other work-specific uses. A business auto policy would cover you and your personal vehicle in case you’re at fault for an accident during a work-related errand.

Any vehicles you own solely for work purposes must be covered by a commercial auto policy, whether you own a landscaping pickup, a food truck, or a fleet of vehicles.

Why is commercial auto insurance important?

Your business could be in legal and financial jeopardy without commercial auto insurance coverage. In Georgia, all vehicles are required to carry auto liability insurance.

If one of your business vehicles is at fault in an accident, you could face an expensive lawsuit or settlement. You’d likely have to pay for damage to the other vehicle or property, medical costs, lost wages, pain and suffering, plus other related costs.

Additionally, you could face severe penalties for not carrying commercial auto insurance. Driving without insurance is considered a misdemeanor, and could result in paying a lapse fee of $25 and a reinstatement fee of $60. Depending on the circumstances, this can also result in a suspension of license and registration for 60 days until proof of a six-month insurance policy is presented, and could land the offender in jail for up to 12 months.

Compare commercial auto insurance quotes for Georgia businesses

How does commercial vehicle insurance work in Georgia?

All vehicles in the state of Georgia are required to have a minimum amount of auto liability insurance coverage, whether they’re for personal or business use. Georgia's insurance requirements are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Your insurance agency might recommend higher liability coverage limits based on the types of vehicles you own and how they’re used.

Semi-trucks, tractor-trailers, and other vehicles with a U.S. Department of Transportation of Georgia serial number will have additional liability coverage requirements, depending on the type of vehicle and how it’s used.

You can see if your business needs these additional requirements by checking your USDOT number or docket number with the Federal Motor Carrier Safety Administration.

How much does commercial car insurance cost?

Person calculating the cost of commercial auto insurance with trucks in background.

Your cost is based on a few factors, including:

  • Number of vehicles
  • Vehicle type and value
  • Level of risk involved
  • Claims history
  • Employee driving records
  • Policy deductible and limits

Commercial auto insurance costs a median of $142 per month. 44% of Insureon small business customers pay less than $125 per month for their policies.

What if I use my personal vehicle for work?

If you’re using your own vehicle for work-specific activities, your personal auto policy wouldn’t cover you in the case of an accident. That’s why many small business owners purchase hired and non-owned auto insurance (HNOA). This liability policy covers accidents in personal, leased, and rented vehicles used for work purposes.

If you or an employee gets into an accident while driving a personal car for a work errand, your HNOA coverage would help pay for any claims or lawsuits against your business. It’s worth noting that this would not cover damage to the vehicle used by your business.

What else does commercial auto insurance cover?

While every Georgia business owner must meet the minimum requirements for business auto insurance, this mandate only applies to liability coverage. This can protect you if one of your vehicles causes an accident, but it does not insure you against a mishap caused by someone else.

It’s worth considering these other commercial auto coverage options to make sure you’re fully protected:

  • Uninsured motorist coverage insures you against personal injuries and damage involving a company vehicle, in case whomever caused the accident is unable to cover the full cost of damages.
  • Medical payments coverage pays for medical expenses if employees and passengers are injured in a company-owned vehicle, regardless of who is at fault.
  • Collision coverage helps pay for the cost of repairing or replacing your company vehicle if it’s damaged in an accident, regardless of who was at fault.
  • Comprehensive coverage covers the costs of non-collision damages such as vandalism, theft, flood, or fire.
  • Towing and labor coverage covers the cost of roadside assistance for company-owned vehicles.
  • Loading and unloading coverage insures against the damage of equipment and materials during transport, loading, or unloading.
  • Bobtail coverage is recommended when you’re using tractors without a trailer. It usually covers the insured vehicle at all times, even during non-work-related uses.

Compare free quotes and buy online

Insureon makes it easy for business owners to compare quotes for Georgia commercial auto insurance. Complete one easy application to review quotes specific to your business and industry from leading U.S. insurers. Start an application for a commercial auto insurance quote today.

Updated: May 5, 2022
Compare commercial auto insurance quotes
Save money by comparing insurance quotes from multiple carriers.
What kind of work do you do?
EXPLORE ON INSUREON
Why personal car insurance may not cover business useCommercial auto vs. personal auto insuranceHow commercial auto premiums are calculatedCommercial auto vs. hired and non-owned auto insuranceAuto insurance for delivery drivers and couriers
TOPICS