Compare Car Insurance Companies That Accept Company Cars [2023]
Car insurance companies that accept company cars include some of the top insurers. Your personal auto insurance policy won’t cover a company vehicle, and you will need to get a non-owner car insurance policy if you drive the company car for personal use. Auto insurance companies that accept company cars may offer personal policies as well, but not all of them do.
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Written by
Laura Berry |
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Reviewed by
Joel Ohman
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UPDATED: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Jun 22, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you drive your car for business purposes, you might need commercial car insurance
- Your company’s car insurance may not extend to personal use of the vehicle
- Driving your company car for personal use may require a non-owner car insurance policy
Some companies offer employees a car as a job perk. Although the company is responsible for providing car insurance for business use, that coverage might not extend to personal use.
Many of the best auto insurance companies out there will offer coverage for your personal vehicle and company car as well.
Car insurance companies that accept company cars will allow you to add a non-owner policy to your standard coverage so you’re covered no matter what car you drive.
Shop around to find the most affordable car insurance companies that accept company cars. In addition, you may find cheaper rates for your personal policy as well.
Enter your ZIP code to compare free quotes from car insurance companies that accept company cars in your area.
What car insurance companies accept company cars?
Having a company car can be a huge benefit, especially if your company allows you to drive the vehicle for personal use. However, the car insurance your company provides might not cover you when not driving for work.
Personal car insurance doesn’t cover using a vehicle for business. As a result, you’ll need a commercial car insurance policy. On the other hand, a commercial policy may not cover personal use either.
Many car insurance companies offer coverage options for both personal and company vehicles. You can typically add coverage for your company car easily.
This table shows average car insurance rates from top companies for different types of coverage. It will give you an idea of what a personal policy costs.
| Companies | Average Monthly Car Insurance Rate for Low Coverage | Average Monthly Car Insurance Rate for Medium Coverage | Average Monthly Car Insurance Rate for High Coverage |
|---|---|---|---|
| Allstate | $385.67 | $408.07 | $428.25 |
| American Family | $280.71 | $295.36 | $284.70 |
| Farmers | $326.87 | $347.19 | $374.51 |
| Geico | $250.16 | $267.83 | $285.76 |
| Liberty Mutual | $483.81 | $504.88 | $529.67 |
| Nationwide | $282.90 | $287.48 | $292.11 |
| Progressive | $311.43 | $334.87 | $362.58 |
| State Farm | $254.62 | $272.48 | $287.90 |
| Travelers | $351.97 | $371.84 | $384.92 |
In some cases, you might not even be aware of what your company car insurance covers. Therefore, it makes sense to add car insurance so you’re covered no matter what.
The good news is that major car insurance companies that accept company cars and trucks are easy to find. Most companies will allow you to add coverage that extends to your personal use of a company vehicle.
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What type of car insurance do you need for company cars?
Adding car insurance to a company car can be done through a non-owners auto insurance policy.
Non-owner car insurance offers liability-only coverage to a car that you don’t own. Liability insurance covers damage to another vehicle if you cause an accident.
A non-owner policy is similar in costs to liability car insurance coverage. This table shows the average cost of liability coverage by state.
| State | Average Annual Car Insurance Rates for Liability Coverage |
|---|---|
| Alabama | $372.57 |
| Alaska | $547.34 |
| Arizona | $488.59 |
| Arkansas | $381.14 |
| California | $462.95 |
| Colorado | $477.10 |
| Connecticut | $633.95 |
| Delaware | $776.50 |
| District of Columbia | $628.09 |
| Florida | $289.04 |
| Georgia | $845.05 |
| Hawaii | $490.64 |
| Idaho | $458.49 |
| Illinois | $337.17 |
| Indiana | $430.54 |
| Iowa | $372.44 |
| Kansas | $293.34 |
| Kentucky | $342.33 |
| Louisiana | $518.91 |
| Maine | $727.15 |
| Maryland | $333.92 |
| Massachusetts | $599.48 |
| Michigan | $587.75 |
| Minnesota | $722.04 |
| Mississippi | $439.58 |
| Missouri | $437.38 |
| Montana | $399.41 |
| Nebraska | $387.77 |
| Nevada | $349.07 |
| New Hampshire | $647.07 |
| New Jersey | $393.24 |
| New Mexico | $865.55 |
| New York | $462.21 |
| North Carolina | $784.98 |
| North Dakota | $357.59 |
| Ohio | $282.55 |
| Oklahoma | $376.16 |
| Oregon | $441.57 |
| Pennsylvania | $553.43 |
| Rhode Island | $495.02 |
| South Carolina | $720.06 |
| South Dakota | $497.50 |
| Tennessee | $397.73 |
| Texas | $498.44 |
| Utah | $471.26 |
| Vermont | $340.98 |
| Virginia | $413.12 |
| Washington | $568.92 |
| West Virginia | $501.44 |
| Wisconsin | $359.84 |
| Wyoming | $323.38 |
| Countrywide | $516.39 |
Liability coverage only costs around $43 a month and provides the extra coverage you need on a company car.
It’s important to remember that a non-owner policy won’t cover damages to the car you’re driving. You would still be responsible for those costs.
What happens if your car insurance doesn’t cover company cars?
Your standard personal car insurance policy won’t cover the business use of a vehicle. This means that you need to add specific insurance in order to be covered while driving your company car.
It’s important to find car insurance companies that accept company trucks and cars and allow you to add coverage for personal use.
If your company’s car insurance doesn’t cover you for personal use and you are in an accident, you’re essentially driving without insurance.
According to the Insurance Information Institute, driving without car insurance can lead to fines, driver’s license suspension, the vehicle being impounded, and jail time.
If you aren’t completely sure what car insurance coverage is offered by your company, you should add your own auto insurance. That way, there are no surprises, and you can be sure you’re covered.
Car Insurance Companies that Accepts Company Cars: The Bottom Line
Car insurance companies that don’t accept company cars for business use will usually still allow you to get a non-owner policy.
A non-owner policy will cover your personal use of your company car. It offers liability coverage on a vehicle that you don’t own.
Compare rates from car insurance companies that accept company cars to find the best deal for you. That way, you’ll have peace of mind. Every company will offer different rates, so shop around for the coverage you need with low rates.
Enter your ZIP code now to compare quotes from car insurance companies that accept company vehicles for free.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
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.
|
Written by
Laura Berry |
|
Reviewed by
Joel Ohman
|