The Best Commercial Car Insurance Companies in 2022

The best commercial car insurance will offer your business discounts, special perks, and the right coverage. From food service to package delivery to utility trucks, commercial insurance can add value to your business that outweighs the costs. All the best car insurance companies offer a form of commercial car insurance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Here's what you need to know...

  • Commercial car insurance protects the vehicles you depend on for your business
  • You can buy liability, collision, and comprehensive, as well as extra coverage like uninsured motorist, personal injury protection, and more
  • You can find specialized insurance for any industry you work in, from rideshare drivers to law enforcement

Commercial auto insurance covers a vehicle you use for business purposes. It operates similarly to your personal policy with a few exceptions.

With the rise of food delivery, online shopping, and rideshare apps, commercial insurance is more important than ever. However, understanding your car insurance needs can be confusing.

Commercial car insurance quotes are usually more expensive than quotes for a personal policy, but you can find the best price for you by shopping around.

If you’re looking for rates from the best commercial car insurance companies, you should explore quotes from as many companies as you can. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

The Best Commercial Car Insurance Companies

As with all other types of insurance, the company that will give you the best rates depends on what you need covered. For example, the best car commercial insurance company for limo service drivers won’t necessarily be the best company for rideshare drivers.

More importantly, you need commercial car insurance. Delivery driver consistently ranks among the top 10 most dangerous jobs, and insurance can help protect your from those dangers.

Most of the big insurance companies offer commercial insurance. Each company has its own distinct rates, discounts, and eligibility requirements. To find the right commercial auto insurance quote for you, you should start by comparing companies.

Progressive Commercial Auto Insurance

Progressive has made a name for itself as a provider of affordable car insurance. In fact, Progressive is consistently ranked one of the top companies for trucking insurance. Progressive’s commercial car insurance covers:

  • Cars, light trucks, SUVs, and vans
  • Food trucks
  • Tractor trailers
  • Dump trucks

A commercial policy from Progressive allows you to drive as many miles as your business needs without paying higher rates. You can buy liability, underinsured/uninsured motorist, collision, comprehensive, and medical payments coverage.

Progressive also offers coverage that not every company does, including non-owned commercial, any auto, and hired auto. This ensures that your employees are covered for business driving whether they are in their own cars or vehicles you own.

One last advantage of Progressive is that you can change your coverage when you need to, and this might be helpful if you have some seasons that are busier than others.

You can also check your eligibility for the following discounts:

  • Safe driving
  • Bundling
  • Autopay
  • Pay in full
  • Business experience

You need to speak with a Progressive agent to get a quote for your specific needs and to sign up for a policy. You can speak with an agent 24 hours a day online or by phone.

GEICO Commercial Auto Insurance

GEICO’s personal insurance consistently receives high ratings for affordability, availability, and customer satisfaction, and the same goes for its commercial insurance. For business use, GEICO covers:

  • Cars, pickup trucks, and vans
  • Service utility vehicles
  • Box trucks
  • Food trucks

However, GEICO does not cover semi trucks and tractor trailers. For the vehicles it does cover, you can buy liability, physical damage, uninsured/underinsured motorist, collision, and personal injury coverage.

You can work with an agent to customize the exact amount of coverage you need.

GEICO is a great option for caterers, landscapers, contractors, and anyone else that spends at least part of their working hours behind the wheel of a car. There is one exception to that — GEICO recommends its rideshare insurance for people that drive for rideshare apps.

Nationwide Commercial Auto Insurance

Nationwide offers very affordable rates for commercial car insurance. It depends on your unique situation, but you’re likely to find a good price with Nationwide. The following vehicles can get coverage:

  • Cars, pickup trucks, and vans
  • Cargo vans
  • Box trucks
  • Utility trucks

Nationwide does not cover semi trucks or tractor trailers with its commercial insurance. Coverage is available in 48 states and Washington DC. Residents of Massachusetts and Louisiana need to look elsewhere.

You can purchase liability, uninsured/underinsured motorist, personal injury protection, GAP coverage, roadside assistance, new car replacement, rental reimbursement, and medical payments coverage.

Nationwide offers a lot of discounts for commercial insurance, including:

  • Bundling
  • Pay in full
  • Hybrid vehicles
  • Anti-theft devices

Nationwide has high customer satisfaction ratings, and you can easily obtain a quote online. However, you need to speak directly with an agent to purchase a policy. You can also submit claims over the phone.

Travelers Commercial Auto Insurance

When it comes to commercial insurance, Travelers writes the second highest number of policies in America. Travelers is frequently listed as a great option for industries that are heavily regulated and for larger companies. If you’re a smaller company, you might want to look somewhere else.

With Travelers, you can buy liability, uninsured/underinsured motorist, comprehensive, collision, and physical damage insurance. However, Travelers does not offer personal injury protection like many other insurance companies do.

Regardless of the type of vehicle you want to insure, Travelers is a great choice for fleets (which it considers five or more cars). It also offers insurance for specific industries, insuring buses and police cars, for instance.

There are also several other coverages you can purchase:

  • Non-owners
  • Cargo coverage
  • Lifetime repairs guarantee

One of the most unique parts of Travelers’ commercial insurance is the industry-specific options available. Travelers offers some of the best commercial insurance for car haulers, agribusiness, construction, equipment haulers, food service, retail, and transportation services.

Other Companies That Offer Commercial Insurance

While the above companies earn higher reviews for commercial insurance, there are plenty of other options out there for you. These include:

  • State Farm
  • The Hartford
  • Farmers
  • Liberty Mutual
  • Allstate
  • American Family

There are so many options for commercial insurance that it’s important to look at as many insurance companies as possible. Without shopping around, you may be missing out on valuable savings for your business.

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How much does commercial car insurance cost?

Like any other insurance, you’ll need to work with an agent to get the very best price possible. However, you can start by looking at national averages for an annual commercial car insurance quote.

  • Commercial car insurance: $2,000
  • Taxi insurance: $7,500
  • Tractor trailer: $2,500
  • Truck insurance: $1,400
  • Bus insurance: $35,000

However, there are a lot options available to you when it comes to affordable commercial auto insurance.

Find the Best Commercial Car Insurance for Your Business

Commercial car insurance is vital for businesses that depend on the use of vehicles. Without insurance, your company could face serious lawsuits from anyone involved in an accident with one of your vehicles.

While there are plenty of options, finding quotes from the best commercial car insurance companies requires shopping around. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

Free Car Insurance Comparison

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

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