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Best Commercial Auto Insurance Companies (2024)

Five of the top commercial auto insurance companies in the US are State Farm, Nationwide, Progressive, Geico, and GMAC. The best commercial auto insurance companies provide discounts and low rates for business owners. Find the cheapest commercial auto insurance companies with the best coverage.

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Written by:

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

Licensed Insurance Agent

Reviewed by:

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

UPDATED: Oct 13, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Oct 13, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Things to Remember...

Commercial auto insurance providers know that your business cannot move forward without properly insured vehicles.

They know that you count on auto insurance for those vehicles for tasks of the highest importance, such as mobility for delivery of products or transporting your employees and guests to those necessary destinations that keep you in business.

Hazardous roads, obstructions, and weather conditions can cause an unavoidable accident, leaving you totally out of control. Add to that, an uninsured driver, vandalism, and risky traffic situations.

Enter your zip code into our FREE auto insurance comparison tool to find great coverage now!Read More: Comparing Auto Insurance Rates

Table of Contents

Top Commercial Auto Insurance Providers

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1. State Farm

State Farm auto insurance offers a variety of options that are budget-friendly.

They offer coverage to suit the needs of your business, whether it’s for private passenger care, delivery vans, or certain vehicles that are used to run your other businesses.

What do I need to know about State Farm auto insurance? The characteristics of State Farm auto insurance make them able to offer discounted rates when you bundle your other insurance needs with them.

When contacting them you must be prepared to give relative information about your business and the purposes of the vehicles you wish to insure.

A policy may be obtained at State Farm that specifically covers cars used for business.

It is called “Employer Non-Owned Car Liability Coverage.”

This type of policy protects your business revenue in case of legal judgments incurred by an employee and prevents any financial loss for which you could be liable.

2. Nationwide Insurance

Types of Coverage for Commercial Vehicles

In your pursuit of commercial auto insurance, you must get coverage that is customized to your business needs and cost-effective.

Listed below are some areas you should have covered in your online auto insurance quote:

Nationwide also offers excellent claims service with a team of commercial auto insurance experts.

They take pride in protecting your business vehicles and settling claims for damages in the quickest way possible.

3. Progressive

Progressive promotes ease in managing your business with commercial auto insurance discounts and payment options.

Based on the information you provide about your business, they will generate a free quote that suits the characteristics of your business.

As a sole proprietor, Progressive understands your need to protect those vehicles that are used to run your business.

It is important to be properly insured when that vehicle is driven by various workers in your business.

The Progressive Employer’s Non-Ownership insurance will protect your business when situations occur with vehicles of which you do not have ownership.

Progressive also provides coverage for contractors, landscapers, and any other skilled tradesperson.

The coverage includes:

When seeking a quote online, Progressive offers a user-friendly process for obtaining the best possible quotes.

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4. Geico

In order to keep your business flowing in a positive direction, careful choices in commercial auto insurance are of the greatest importance. Geico offers protection for the vehicles that operate under the name of your business.

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— AutoInsurance.org (@AutoInsurance) March 7, 2023

In the occurrence of an accident or situation that results in damages to your business property, Geico can provide outstanding service at the best possible price.

Geico has a claims department that can reduce your downtime when a vehicle is not operational.

5. GMAC Insurance

At GMAC the commercial auto insurance rates are very competitive as compared to other companies that offer this type of insurance. Medical payments, comprehensive, liability, and collision are offered as coverage options.

You can rest assured that you won’t have to be concerned with expensive repair costs.

You are encouraged to read all clauses associated with an insurance contract before signing.

GMAC provides a convenient quote comparison tool to assist you in measuring the pros and cons prior to making an insurance purchase from any one company.

Their dedicated commercial car insurance specialists are always available, which saves you time and money.

As a business owner, you are not always present to see that repairs of done properly on your business vehicles.

SmartInspect is a free service offered at GMAC where an independent inspection is performed on your vehicles to assure that repairs were done accurately.

GMAC Discounts

GMAC offers a host of discounts that help tailor coverage that is suitable for your business.

The options include the following:

GMAC provides commercial auto insurance that comes with a “Claims Service Satisfaction Guarantee”. If this service is not up to par, your deductible will be waived up to the amount of $2,501.00.

These commercial auto insurance companies are some of the best available to meet the needs of your business.

Don’t make the mistake of having poorly insured vehicles. Your company doesn’t compromise on anything else, so why should they compromise on auto insurance coverage and prices?

Enter your zip code into our FREE auto insurance comparison tool to find good rates now.

Frequently Asked Questions

Which are the top commercial auto insurance companies in the US?

Which are the top commercial auto insurance companies in the US?

Five of the top commercial auto insurance companies in the US are State Farm, Nationwide, Progressive, Geico, and GMAC.

What does State Farm offer in terms of commercial auto insurance?

What does State Farm offer in terms of commercial auto insurance?

State Farm offers a variety of options that are budget-friendly. They provide coverage for private passenger cars, delivery vans, and other vehicles used for business purposes. They also offer “Employer Non-Owned Car Liability Coverage” to protect your business in case of legal judgments incurred by an employee.

What types of coverage does Nationwide Insurance provide for commercial vehicles?

What types of coverage does Nationwide Insurance provide for commercial vehicles?

Nationwide Insurance offers various types of coverage for commercial vehicles, including auto liability, payment of medical costs resulting from accidents, collision coverage, comprehensive coverage, coverage for underinsured and uninsured drivers, and coverage for employees who use their personal vehicles for business purposes.

Is commercial auto insurance required by law?

Is commercial auto insurance required by law?

Yes, in most states, commercial auto insurance is mandatory for businesses that use vehicles for their operations. The specific requirements may vary by state, so it’s important to check the regulations in your jurisdiction.

Are there any exclusions in commercial auto insurance coverage?

Are there any exclusions in commercial auto insurance coverage?

Yes, commercial auto insurance policies may have certain exclusions. Common exclusions include intentional acts, damage caused by unapproved drivers, vehicles used for illegal activities, and vehicles with excessive modifications not disclosed to the insurer.

Can I customize my commercial auto insurance coverage?

Can I customize my commercial auto insurance coverage?

Yes, commercial auto insurance policies can often be customized to meet the specific needs of your business. You can choose the types and levels of coverage you require, such as liability, comprehensive, collision, and additional endorsements.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Written by:

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

Licensed Insurance Agent

Reviewed by:

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Related Articles

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related.

We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related.

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