California Commercial Auto Insurance

Find the right commercial vehicle insurance policy for you.

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Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

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There are nearly 1.6 million businesses based in the state of California. They provide products and services in different industries and therefore have varying insurance coverage needs. Businesses that have company-owned cars or trucks, by law, must carry commercial auto insurance. Whether you own a manufacturing company like Kingston Technology, a transportation-based company like Crown Limousine, or any other business that uses company-owned vehicles, you need the extra liability protection that an auto insurance policy can provide. Rates will vary from one insurance company to the next, so California business owners should compare a variety of commercial auto insurance quotes before selecting a policy.

Use our independent insurance agents to find the best insurance plan in your area. You tell us what you’re looking for, and our search engine will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

California Motor Vehicle Crash Statistics

What Is Commercial Auto Insurance?

Commercial vehicles can range from passenger cars to tractor-trailers to construction vehicles. It makes no difference whether your company uses cars, trucks, vans, or buses. If your company owns the vehicles, the company must cover the vehicles with commercial auto insurance.

Different types of vehicles will have different insurance coverage requirements as mandated by the state of California. For example, company cars have the same liability minimums as passenger cars, as follows:

But large commercial trucks and vehicles such as buses, semi-trucks, and construction vehicles generally have much higher liability insurance requirements, as determined by these factors:

If you are uncertain about how much liability insurance coverage you must carry for your particular company vehicle or fleet of vehicles, you should speak with a local insurance professional who is familiar with commercial auto insurance requirements in California.

How Costly Are Motor Vehicle Collisions?

In 2012, the National Safety Council issued a report in which they revealed the average liability costs for traffic accidents across the country. These figures may give you an indication of how much your company could be liable for if one of your drivers causes a serious vehicular accident:

It is important to bear in mind that when a company, rather than an individual, owns the vehicle that causes an accident, injured parties tend to pursue higher amounts in damages and juries tend to be more generous with their awards to the plaintiffs.

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What Does Commercial Auto Insurance Cover in CA?

Commercial auto insurance policies have a number of coverage options. Of these, only liability coverage is mandatory. Because a collision involving a company-owned vehicle has the potential to cause significant financial repercussions, it is a good idea to purchase as much coverage as your business can reasonably afford. Coverage options include the following:

Not all companies will need to purchase the same coverage options. For example, a pizza shop with a fleet of delivery vehicles will not need bobtail insurance, while a manufacturing company that only uses company-owned vehicles will not need non-owned vehicle coverage.

Get a Variety of Commercial Auto Insurance Quotes in California

You can customize a commercial auto insurance policy to meet your specific business needs. When shopping for quotes, you may find it beneficial to ask for help from an insurance agent in the TrustedChoice.com network. These independent agents can answer your insurance-related questions, help you assess your coverage needs, and obtain a variety of competitively priced commercial auto policies for your review.

Talk with independent insurance agents for more information so you can start comparing commercial auto insurance quotes in California.

California Highway Patrol 2017 Report

CDC

National safety Council

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