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Do you need commercial auto insurance?

Figuring out if you need commercial or personal auto insurance can be confusing, especially if you use your vehicle for business and personal errands.

Progressive can help you understand the differences between commercial and personal insurance so you can find the best option for your business. Answer a few questions and read more to learn whether a commercial or personal auto policy is right for you.

Commercial vs. personal auto insurance

Commercial and personal policies both protect against lawsuits, bodily injury, property damage, and other issues. That said, commercial auto insurance typically has higher limits and covers more complex claims.

Here are some things to consider when deciding what kind of insurance policy you need:

Common questions about commercial and personal auto insurance

Does commercial auto insurance cost more than personal auto insurance?

Yes, usually. Business auto insurance often costs more than personal auto insurance because it has higher liability limits and more coverage in case of an accident.

Learn more about commercial auto insurance cost, and start a quote to find out what you can expect to pay.

Can my personal insurance cover me for business use?

It depends. A personal auto policy can provide enough coverage for some businesses, especially if you primarily drive for personal use.

But if you require specific commercial auto insurance coverages and high liability limits, personal auto insurance probably won’t cover you. You might also need a commercial policy if you operate an unusual vehicle, haul special equipment, transport goods or people for a fee, or have other special needs.

For example, an accountant traveling to business meetings usually won’t need a commercial auto policy, unless the car is in the business’s name. However, a contractor might need a commercial policy because they haul tools and equipment that are necessary for work.

Does commercial auto insurance cover personal use?

Yes. Though personal auto insurance typically doesn’t cover business vehicles, commercial auto insurance can cover you for both commercial and personal use.

Do I need both commercial and personal auto insurance?

No. Commercial auto insurance can cover both business and personal use. Separate personal auto insurance isn’t usually required if you have a commercial policy.

More information

Start a custom commercial auto quote today

Get a quote Or, call 1-888-806-9598

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Bundle discount! Save on auto when you add property

Save an average of 12% on auto when you add to propertyΔ

Bundle discount! Save on auto when you add property

Save an average of 12% on auto when you add to propertyΔ

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