Best Commercial Auto Insurance for Businesses in 2025 (Top 10 Companies)
Progressive, Travelers, and Nationwide offer the best commercial auto insurance for businesses, with rates as low as $200. Tailored coverage and competitive pricing safeguard your fleet, while diverse coverage options and efficient claim processing ensure comprehensive protection for your business.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Mar 26, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers 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: Mar 26, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The top pick overall for the best commercial auto insurance for businesses are Progressive, Travelers and Nationwide, offering competitive rates as low as $200. Explore best auto insurance companies provide tailored coverage options, discounts to support high-risk drivers and efficient claim processing, ensuring comprehensive protection for business fleets.
With diverse coverage choices and a focus on customer satisfaction, Progressive stands out as the optimal choice for businesses seeking reliable insurance solutions.
Our Top 10 Company Picks: Best Commercial Auto Insurance for Businesses
| Company | Rank | Fleet Size Discount | Multi-Policy Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | 15% | Policy Options | Progressive |
 | #2 | 12% | 18% | Add-on Coverages | Travelers |
 | #3 | 8% | 12% | Accident Forgiveness | Nationwide |
 | #4 | 15% | 20% | Bundle Discounts | Liberty Mutual |
 | #5 | 10% | 15% | Local Agents | The Hartford |
 | #6 | 8% | 12% | Customizable Policies | State Farm |
 | #7 | 12% | 18% | Customer Service | Allstate |
 | #8 | 10% | 15% | Safe-Driving Discounts | Farmers |
 | #9 | 15% | 20% | Vanishing Deductible | Chubb |
 | #10 | 8% | 12% | Online Convenience | CNA |
Whether it’s safeguarding vehicles or providing peace of mind, Progressive delivers top-notch service tailored to meet the needs of businesses of all sizes.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool above to instantly compare prices from various companies near you.
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#1 – Progressive: Top Overall Pick
Pros
- Policy Options: Progressive stands out for offering a variety of policy options, allowing businesses to customize coverage based on their specific needs. Refer to our Progressive car insurance review for a detailed overview.
- Competitive Pricing: With an average monthly rate for businesses, Progressive provides competitive pricing, making it an attractive option for cost-conscious businesses.
- Low Complaint Level: Progressive maintains a low complaint level, indicating a high level of customer satisfaction and efficient claims processing.
Cons
- Limited Fleet Size Discount: Progressive offers a fleet size discount of up to 10%, which may be lower compared to some competitors.
- Not the Highest A.M. Best Rating: While Progressive has a respectable A.M. Best rating of A, it is not the highest among the top providers.
#2 – Travelers: Best for Add-On Coverages
Pros
- Add-On Coverages: Travelers excels in providing add-on coverages, allowing businesses to enhance their protection with additional features. Take a look at our comprehensive Travelers car insurance review for further details.
- High Multi-Policy Discount: With a multi-policy discount of up to 18%, Travelers offers significant savings for businesses bundling their commercial auto insurance with other policies.
- Low Complaint Level: Travelers maintains a low complaint level, indicating a strong commitment to customer satisfaction and service quality.
Cons
- Slightly Higher Monthly Rate: The average monthly rate for businesses, which is slightly higher compared to some competitors.
- Limited Fleet Size Discount: The fleet size discount of up to 12% may be lower than what some businesses could find with other providers.
#3 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Nationwide is recognized for its accident forgiveness feature, providing businesses with added peace of mind in case of unforeseen incidents.
- Competitive Multi-Policy Discount: With a multi-policy discount of up to 12%, Nationwide offers businesses an opportunity to save on their insurance costs.
- Respected A.M. Best Rating: Nationwide boasts a high A.M. Best rating of A+, indicating strong financial stability. Check out comprehensive resource titled”Nationwide General Insurance Company: Customer Ratings & Reviews“.
Cons
- Slightly Higher Monthly Rate: The average monthly rate for businesses, which is slightly higher compared to some competitors.
- Limited Fleet Size Discount: Nationwide provides a fleet size discount of up to 8%, which may be considered lower than some other providers.
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#4 – Liberty Mutual: Best for Bundle Discounts
Pros
- Bundle Discounts: Liberty Mutual offers bundle discounts of up to 20%, providing businesses with significant cost savings when combining commercial auto insurance with other policies.
- High Fleet Size Discount: With a fleet size discount of up to 15%, Liberty Mutual is an attractive option for businesses with larger vehicle fleets. Browse through our Liberty Mutual car insurance review to find out more.
- Variety of Coverage Options: Liberty Mutual provides a variety of coverage options, allowing businesses to tailor their insurance to specific needs.
Cons
- Higher Average Monthly Rate: Liberty Mutual’s average monthly rate for businesses, which may be considered higher compared to some competitors.
- A slightly Lower A.M. Best Rating: While still strong with an A rating, Liberty Mutual’s A.M. Best rating is slightly lower compared to some other top providers.
#5 – The Hartford: Best for Local Agents
Pros
- Local Agents: The Hartford is known for its focus on local agents, providing businesses with personalized and accessible service. Review our Hartford insurance company of the midwest review to get a better understanding of our services.
- Competitive Multi-Policy Discount: With a multi-policy discount of up to 15%, The Hartford offers businesses an opportunity to save on insurance costs.
- Average Fleet Size Discount: The Hartford provides a fleet size discount of up to 10%, making it a decent choice for businesses with moderate-sized fleets.
Cons
- Slightly Higher Monthly Rate: The average monthly rate for businesses, which may be slightly higher compared to some competitors.
- Not the Highest A.M. Best Rating: While still strong with an A rating, Hartford’s A.M. Best rating is not the highest among the top providers.
#6 – State Farm: Best for Customizable Policies
Pros
- Customizable Policies: State Farm excels in offering customizable policies, allowing businesses to tailor coverage to their specific requirements.
- Competitive Multi-Policy Discount: With a multi-policy discount of up to 12%, State Farm provides businesses with potential savings when bundling insurance policies.
- Low Complaint Level: State Farm maintains a low complaint level, reflecting high customer satisfaction and efficient claims processing. Examine our State Farm car insurance review to learn more.
Cons
- Slightly Higher Monthly Rate: While still competitive, the average monthly rate businesses, which may be slightly higher compared to some competitors.
- Limited Fleet Size Discount: State Farm offers a fleet size discount of up to 8%, which may be considered lower than what some businesses could find with other providers.
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#7 – Allstate: Best for Customer Service
Pros
- Strong Customer Service: Allstate is recognized for its commitment to customer service, offering responsive and reliable support to policyholders. Delve into our Allstate car insurance review to discover valuable insights.
- Competitive Multi-Policy Discount: With a multi-policy discount of up to 18%, Allstate provides businesses with an opportunity to save on insurance costs by bundling policies.
- Comprehensive Coverage Options: Allstate offers a range of coverage options, allowing businesses to tailor their insurance plans to meet specific needs.
Cons
- Higher Average Monthly Rate: Allstate’s average monthly rate for businesses, which may be considered relatively higher compared to some competitors.
- Not the Highest A.M. Best Rating: While maintaining a strong A rating, Allstate’s A.M. Best rating is not the highest among the top providers.
#8 – Farmers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Farmers provides businesses with safe-driving discounts, encouraging and rewarding good driving practices among employees.
- Competitive Multi-Policy Discount: With a multi-policy discount of up to 15%, Farmers offers businesses an opportunity to save on insurance costs by bundling policies.
- Variety of Coverage Options: Farmers offers a variety of coverage options, allowing businesses to choose the insurance that best suits their needs. Dive into our Farmers car insurance review for additional information.
Cons
- Slightly Higher Average Monthly Rate: Farmers’ average monthly rate for businesses, which may be considered slightly higher compared to some competitors.
- Limited Fleet Size Discount: The fleet size discount of up to 10% may be lower compared to some other providers.
#9 – Chubb: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Chubb stands out for its vanishing deductible feature, allowing businesses to reduce their deductible over time with safe driving. Explore our Chubb auto insurance review to gain deeper insights.
- High Fleet Size Discount: With a fleet size discount of up to 15%, Chubb is an attractive option for businesses with larger vehicle fleets.
- Bundle Discounts: Chubb offers bundle discounts of up to 20%, providing businesses with significant cost savings when combining commercial auto insurance with other policies.
Cons
- Higher Average Monthly Rate: Chubb’s average monthly rate for businesses, which may be considered higher compared to some competitors.
- Not the Highest A.M. Best Rating: While maintaining a strong A rating, Chubb’s A.M. Best rating is not the highest among the top providers.
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#10 – CNA: Best for Online Convenience
Pros
- Online Convenience: CNA is recognized for its online convenience, making it easier for businesses to manage their policies and access information. Get the full scoop on CNA insurance review for in-depth review.
- Competitive Multi-Policy Discount: With a multi-policy discount of up to 12%, CNA provides businesses with an opportunity to save on insurance costs by bundling policies.
- Variety of Coverage Options: CNA offers a variety of coverage options, allowing businesses to choose insurance plans that align with their specific needs.
Cons
- Slightly Higher Average Monthly Rate: CNA’s average monthly rate for businesses, which may be considered slightly higher compared to some competitors.
- Limited Fleet Size Discount: The fleet size discount of up to 8% may be lower compared to some other providers.
Understanding Commercial Auto Insurance
Commercial auto insurance shields businesses from vehicle-related risks, covering accidents, theft, vandalism, and damages during operations. It assures coverage for repair costs, medical expenses, and legal fees, providing peace of mind and financial security against unforeseen events.
Progressive offers unparalleled value with rates as low as $200, making it the top choice for businesses seeking comprehensive coverage.Ty Stewart Licensed Life Insurance Agent
Additionally, it extends protection to employees, enhances business reputation, and fosters trust among clients and customers. In conclusion, commercial auto insurance is an essential asset for businesses reliant on vehicles, ensuring readiness for any eventuality. Expand your knowledge with our resource titled “Top Auto Insurance Discounts: What you Need to Know.”
Costs of Top Commercial Auto Insurance Providers for Businesses
The table provides an overview of the average monthly auto insurance rates for businesses from the top 10 commercial auto insurance providers. State Farm offers the most cost-effective option, with rates of $215 for full coverage and $470 for minimum coverage, while Liberty Mutual charges $235 for full coverage and $500 for minimum coverage.
Best Commercial for Businesses Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $223 | $475 |
| $275 | $550 |
| $250 | $510 |
| $220 | $480 |
 | $235 | $500 |
 | $200 | $445 |
 | $225 | $480 |
 | $215 | $470 |
 | $240 | $505 |
 | $254 | $515 |
While Liberty Mutual may have higher premiums, it could provide extensive coverage options and reliable customer support, making it suitable for businesses prioritizing comprehensive protection and service quality. Meanwhile, companies like Progressive, Travelers, Nationwide, and Farmers offer competitive rates, ranging from $200 to $254 for full coverage and $445 to $515 for minimum coverage.
Moreover, to lower commercial auto insurance costs, consider implementing safety measures, choosing vehicles with advanced safety features, and regularly reviewing and updating your policy. These steps can help you save money while ensuring your business has the right coverage. Check out more about budgeting tips in our Where to Find the Best Auto Insurance Rates for more information.
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Factors to Consider When Choosing Commercial Auto Insurance
When it comes to selecting commercial auto insurance, there are several factors that you need to take into account. It’s not just about finding any insurance provider, but finding the one that offers the best coverage options, affordable premiums, and excellent customer service. Let’s delve deeper into these factors to help you make an informed decision.
- Coverage Options: Ensure the insurance provider offers comprehensive coverage tailored to your specific business requirements, such as protection for long-distance transport, theft, vandalism, or collisions in urban areas.
- Cost of Premiums: Compare quotes from different providers to find affordable premiums that fit your budget while balancing coverage needs. Consider the deductible amount, as a higher deductible can lead to lower premiums but requires more out-of-pocket expenses in case of an accident.
- Claim Process and Customer Service: Research the insurer’s reputation for handling claims efficiently and fairly, including their responsiveness and reliability in customer support. Look for companies with online claim filing options and 24/7 claims hotlines, along with knowledgeable and friendly customer service representatives.
By considering these factors, you can make a well-informed decision when choosing commercial auto insurance for your business.
Remember, it’s not just about finding the cheapest option, but finding the one that offers the right coverage, affordable premiums, and excellent customer service to protect your business on the road. Discover more by delving into our “Find and Compare Auto Insurance Quotes: Maximize Your Savings.”
Obtaining Online Quotes for Businesses
In today’s digital age, obtaining commercial auto insurance quotes for businesses has never been easier. With the convenience of online tools and resources, businesses can quickly compare rates from multiple insurance providers, saving both time and money. Here’s a step-by-step guide on how to obtain online quotes for your business:
- Research insurance providers. Before diving into the quoting process, it’s essential to research reputable insurance providers that offer commercial auto insurance. Look for companies with a strong financial standing, positive customer reviews, and a history of reliable service.
- Use online comparison tools. Many insurance websites offer free online comparison tools that allow businesses to input their information once and receive quotes from multiple providers. These tools streamline the quoting process and provide a side-by-side comparison of coverage options and premiums.
- Enter business information. To generate accurate quotes, businesses will need to provide relevant information about their operations, vehicles, and drivers. This may include details such as the number of vehicles in the fleet, vehicle types, driving history, and desired coverage levels.
- Customize coverage options. Depending on your business’s specific needs and risk profile, you’ll have the opportunity to customize coverage options during the quoting process. This may include choosing deductibles, liability limits, and additional coverages such as roadside assistance or rental reimbursement.
- Review and compare quotes. Once you’ve inputted all necessary information and customized your coverage options, review the quotes provided by each insurance provider. Pay attention to not only the premium cost but also the breadth of coverage and any exclusions or limitations.
- Consider additional discounts. Many insurance companies offer discounts for businesses that implement safety measures, have a clean claims history, or bundle multiple policies. Be sure to inquire about any potential discounts that may apply to your business during the quoting process.
- Contact insurance representatives. If you have questions or need further clarification about the quotes you’ve received, don’t hesitate to reach out to insurance representatives for assistance. They can provide insight into policy details, coverage options, and any discounts available.
- Finalize your policy. Once you’ve compared quotes, selected a provider, and customized your coverage options, it’s time to finalize your policy. Review the terms and conditions carefully, make any necessary adjustments, and complete the application process to secure coverage for your business vehicles.
- Monitor and review. After purchasing commercial auto insurance, it’s essential to regularly monitor and review your policy to ensure it continues to meet your business’s needs. Periodically reassess your coverage options, compare rates, and make adjustments as necessary to maintain comprehensive protection.
By following these steps, businesses can efficiently navigate the process of obtaining online quotes for commercial auto insurance, ultimately securing the coverage they need to protect their vehicles, employees, and assets on the road.
With the convenience of online tools and expert guidance from insurance representatives, businesses can make informed decisions and achieve peace of mind knowing they have the right business insurance in place.
Case Studies: Unveiling Strategies With Commercial Auto Insurance Providers
Navigating the complexities of commercial auto insurance can be challenging for businesses. In these case studies, we delve into real-world examples of how insurance providers tailored solutions to meet the unique needs of their clients. These case studies offer valuable insights into the strategic partnerships between businesses and insurance providers.
- Case Study #1 – Tailored Policies for Maximum Protection: TransLogistics struggled to find comprehensive coverage for their diverse vehicle fleet. Progressive provided a customized policy addressing cargo protection, liability, and accident forgiveness, resulting in reduced insurance costs and promoting safer driving practices.
- Case Study #2 – Fleet Management Excellence: GlobalTech Solutions expanded its fleet for on-site client support. Seeking comprehensive coverage, they turned to Travelers for flexible solutions tailored to their diverse vehicle needs, resulting in streamlined insurance costs.
- Case Study #3 – Navigating Regulatory Challenges: SwiftDelivery faced regulatory hurdles impacting their insurance compliance. Nationwide offered tailored solutions ensuring adherence to varying requirements across operating regions, leading to improved efficiency in managing insurance documentation.
From addressing specific concerns to navigating regulatory challenges, these case studies showcase the strategic approaches employed by leading insurance companies to provide maximum protection and value to their clients.
Progressive stands out for its policy customization excellence, making it the top choice for businesses seeking tailored commercial auto insurance solutions.Zach Fagiano Licensed Insurance Broker
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Summary: Guide to Commercial Car Insurance
A comprehensive guide to commercial car insurance for businesses, highlighting the top insurance providers, coverage options, and strategies for lowering insurance costs. It emphasizes the importance of commercial auto insurance in protecting businesses from financial losses due to accidents, theft, and other damages.
The top providers, including Progressive, Travelers, and Nationwide, are lauded for their competitive rates, tailored policies, and efficient claim processing. Additionally, the article offers insights into factors to consider when choosing a provider, such as coverage options, cost of premiums, and customer service quality. To delve deeper, explore our comprehensive guide titled “Compare Insurance Provider Quotes“.
Overall, it underscores the necessity for businesses to invest in commercial auto insurance to safeguard their vehicles, employees, and assets. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.
Frequently Asked Questions
How can I obtain a commercial auto insurance quote for my business?
To get a commercial auto insurance quote for your business, you can use the free quote tool provided on insurance websites. Simply enter your ZIP code, compare quotes from various insurance providers, and select the one that best fits your business needs and budget.
For more information, check out our guide on how to lower your auto insurance premiums.
What factors should I consider when choosing a commercial auto insurance provider?
When selecting a commercial auto insurance provider, consider factors such as coverage options, cost of premiums, claim process efficiency, customer service quality, and the provider’s reputation. Tailor your choice based on your business’s unique requirements and risk profile.
Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
Why is commercial auto insurance crucial for businesses?
Commercial auto insurance is essential for businesses as it provides coverage for vehicles used in business operations. It protects against liabilities arising from accidents, theft, vandalism, and other damages. Without proper insurance, businesses may face significant financial losses in case of unforeseen events.
Expand your knowledge with our “Does Auto Insurance cover damage from vandalism?”
What tips can help lower commercial auto insurance costs without compromising coverage?
Implementing safety measures, choosing vehicles with excellent safety features, and regularly reviewing and updating your policy are effective ways to lower commercial auto insurance costs. Insurance providers often offer discounts for businesses with proactive safety measures in place.
Are there specific considerations for businesses with a fleet of vehicles when choosing commercial auto insurance?
Yes, businesses with a fleet of vehicles should consider factors such as fleet discounts, specialized coverage for multiple vehicles, and the ability of the insurance provider to tailor policies to the unique needs of a fleet.
Gain further knowledge by reading our how to change auto insurance providers.
What types of vehicles are covered under commercial auto insurance?
Commercial auto insurance typically covers a wide range of vehicles used for business purposes, including cars, trucks, vans, SUVs, and specialty vehicles like delivery trucks, tow trucks, and commercial trailers.
Is commercial auto insurance required by law?
In most states, businesses are required by law to carry commercial auto insurance for vehicles used for business purposes. The specific coverage requirements may vary depending on the state and the type of business operations.
Can I use my personal auto insurance for business-related activities?
Personal auto insurance policies usually exclude coverage for vehicles used for business purposes. It’s essential to have separate commercial auto insurance to ensure adequate coverage for business-related activities and liabilities.
What factors affect the cost of commercial auto insurance premiums?
Several factors can influence the cost of commercial auto insurance premiums, including the number of vehicles insured, driving records of employees, vehicle types and values, coverage limits, deductible amounts, and the location and nature of business operations.
Expand your understanding with our “Do auto insurance companies do background checks?”
Does commercial auto insurance cover employees driving their personal vehicles for business purposes?
Commercial auto insurance typically provides coverage for employees driving their personal vehicles for business purposes, known as non-owned auto coverage. This coverage extends liability protection to the business if an employee is involved in an accident while conducting business activities.
Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
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.
