Best Auto Insurance for Limousines in 2026 (Your Guide to the Top 10 Companies)

Limo drivers will find the best auto insurance for limousines at Progressive, State Farm, and Geico.

All individuals are required to have auto insurance in case they are involved in an accident; however, it is critical to have proper insurance coverage if you drive a limousine. The companies with the best auto insurance for luxury cars like limousines will ensure that your passengers, employees, and limousines are taken care of if there is an accident.

Our Top 10 Company Picks: Best Auto Insurance for Limousines

Check out this guide to finding the cheapest auto insurance for limousines and then be sure to enter your ZIP code in our free online quote tool for free quotes!

#1 – Progressive: Top Pick Overall

Pros

• Tight Budgets: Drivers with a tight budget for limousine insurance can use Progressive’s Name Your Price tool.
• Network of Repair Shops: Progressive’s repair shop network helps limo owners with hassle-free repairs.
• Loyalty Rewards: Maintaining a limousine car insurance policy at Progressive can earn customers loyalty rewards.

Cons

• Commercial Discounts: Discounts for commercial limo insurance may not be as extensive.
• Rate Increases: Progressive may not be as affordable after claims. Find out more in our Progressive auto insurance review.

#2 – State Farm: Best for Business Owners

Pros

• Business Owners: State Farm has great commercial limo car insurance for business owners.
• Financial Strength: State Farm’s A.M. Best rating is high, which you can learn more about in our State Farm insurance review.
• Agency Network: A local agent can directly assist limo owners with their limo auto insurance policy.

Cons

• Commercial Discounts: State Farm may have more limited options for commercial vehicle discounts.
• Rates for Risky Drivers: Having poor drivers on your limo policy may drive rates up.

#3 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Geico’s limousine insurance quotes are competitive. Read our Geico review for more details on rates.
• Claims Processing: Geico has relatively quick processing of claims.
• Financial Stability: Geico is one of the highest-rated limo insurance companies for financial strength.

Cons

• Commercial Discounts: There may be fewer commercial vehicle discounts than discounts for limo insurance for personal use.
• Upgraded Limo Coverages: Specialized limousines, such as those with modifications, may have fewer insurance options at Geico.

#4 – Allstate: Best for Drivewise Programs

Pros

• Drivewise Programs: If you have a personal limo insurance policy, you could save with the Drivewise discount programs at Allstate.
• Claims Satisfaction Guarantee: Unsatisfied limo owners may receive reward credits towards their next policy period.
• Customizable Coverages: Limo owners can adjust coverage as needed. Learn about Allstate’s coverage in our Allstate review.

Cons

• Claim Reviews: Claims handling has some complaints.
• Higher Rates: Allstate’s average rates are higher than the national average.

#5 – Farmers: Best for Various Discounts

Pros

• Various Discounts: You may be able to save on your limousine insurance costs with Farmers’ discount options.
• On Your Side Review: Limo drivers can get help each year with their limousine insurance rates and coverages.
• Coverage Options: Farmers has commercial vehicle insurance that can be tailored to limousines.

Cons

• Higher Rates: Some limo drivers may see higher-than-average rates at Farmers. Learn more about rates in our Farmers review.
• Limited Online Functions: Some changes to limo insurance policies will have to be done through an agent.

#6 – Nationwide: Best for Widespread Availability

Pros

• Widespread Availability: Nationwide’s commercial insurance is available in most states.
• Payment Plans: Nationwide’s payment plans are flexible. Learn more about the company in our Nationwide review.
• Adjustable Deductibles: You can change your limo insurance cost per month by adjusting your deductibles.

Cons

• Luxury Rates: Nationwide’s rates can be less economical for luxury limos.
• Mixed Reviews: Customer service and claims handling have some negative ratings.

#7 – Liberty Mutual: Best for Multi-Policy Discounts

Pros

• Multi-Policy Discounts: Limo owners may purchase more than one insurance type for a discount.
• 24/7 Assistance: Liberty Mutual offers assistance round the clock. Learn more in our review of Liberty Mutual.
• Adjustable Deductibles: Adjust your limo deductibles as needed at Liberty Mutual.

Cons

• High-Risk Rates: Liberty Mutual isn’t affordable for most high-risk drivers.
• Customer Service: Some customers have complained about trouble reaching an agent.

#8 – American Family: Best for Claims Service

Pros

• Claims Service: Customers rated American Family’s customer service for claims highly.
• Costco Members: You can purchase American Family insurance through Costco and get exclusive deals.
• Coverage Options: Choose from coverages like roadside assistance. Read our American Family review to learn more.

Cons

• Limited Availability: Certain states don’t offer insurance.
• Commercial Discounts: American Family’s commercial discounts may be more limited.

#9 – Travelers: Best for Coverage Options

Pros

• Coverage Options: Travelers has plenty of commercial coverage options for limos.
• Bundling Policies: Purchase more than just auto insurance for a discount.
• Online Tools: File claims online or change your policy. Read more in our review of Travelers.

Cons

• Higher Rates: Travelers’ rates may be more expensive.
• Local Support: There are fewer local agents available at Travelers.

#10 – The Hartford: Best for Exclusive Benefits

Pros

• Exclusive Benefits: AARP members can get exclusive benefits
• Customer Ratings: Most ratings are positive. Read more in  The Hartford auto insurance review.
• Risk Management: The Hartford offers resources to customers to help them with risk management.

Cons

• Young Driver Rates: Older drivers will have the most affordable rates.
• Limited Online Tools: Some policy changes can’t be done online at The Hartford.

Types of Auto Insurance for Limousines

What kind of insurance do you need for a limo? Limousine auto insurance falls under commercial auto insurance. Most major insurers offer commercial policies, so they would be able to provide you with commercial auto insurance for limousines.

Here are some of the different types of limo auto insurance coverage:

• Collision Auto Insurance and Comprehensive Auto Insurance: Collision coverage covers the cost if there is an accident. Comprehensive coverage will cover damage that occurs as a result of theft, fire, vandalism, and several other types of damages.
• Underinsured Motorist (UIM)/Uninsured Motorist (UM) Coverage: This provides coverage if you are involved in an accident in which the other driver was at fault, and they did not have adequate coverage to pay the cost. There are many states that require this type of coverage of limousines.
• Personal Injury Protection (PIP) Insurance: This type of insurance covers the cost if there is an accident and injuries occur. This will cover part of funeral expenses, medical costs, rehabilitation bills, and lost wages at work. If a pedestrian is injured, this type of coverage will pay their expenses, and it does not matter whose fault the accident was.
• Employment Practices Liability: If a limousine company is accused of things such as sexual harassment, wrongful termination, or discrimination, this type of insurance will protect the business.
• Bodily Injury Liability (BIL) Auto Insurance and Property Damage Liability (PDL) Auto Insurance: These types of insurance are usually not required; however, it is a good idea for limousine drivers to purchase it. They will cover victims if property damage or injuries occur if the limousine driver is at fault. This will cover legal fees if the limousine company is sued.

If you need commercial insurance on your limo, it is recommended to carry high amounts of coverage to protect yourself against financial losses.

Finding Limousine Coverage

There are companies that specialize in limousine insurance; therefore, they will be well-qualified to provide excellent coverage for your limousine.

You should enter your ZIP code into the free quote tool on this page to compare free limo insurance quotes and then also do research at places like the National Limo Association to see which limousine insurance company will offer you the best auto insurance for limousines.

There are many agencies like Progressive that will provide free quotes, so you will know exactly what you are paying for insurance.

 

However, you want to research a company before you ask for their services, as you want to make sure that the company has a good reputation with no complaints.

Read more: Where can I find unbiased reviews of auto insurance companies?

How to Save Money on Limousine Insurance

Is limo insurance expensive? Yes, limo insurance cost is expensive compared to standard auto insurance. It can typically range from $416-$833 a month for each limousine.

How much does automobile insurance cost? Standard personal auto insurance averages $52 a month for minimum coverage and $167 a month for full coverage.

However, some companies offer discounts on services, so you need to ask about available auto insurance discounts for your limousine company. You might receive a discount for having airbags, anti-lock brakes, and other safety features.

There are several other ways that you can also find the cheapest auto insurance for limousines:

• Check your credit score. Your credit can affect your insurance premiums, so you need to order a copy of your credit report to clear up any inaccuracies. Learn more in our article, How Credit Scores Affect Auto Insurance Rates.
• Hire qualified employees. If you hire drivers who have been through adequate training and have a good driving record, you can get cheaper limousine insurance.

You need to keep in mind that some insurance companies will not insure older vehicles or vehicles that are not certified. Be sure to shop around and compare car insurance quotes from many different companies before buying a limo insurance policy.

Know Your Needs on Auto Insurance for Limousines

Before you can begin to search online and compare limo insurance quotes, you should know exactly what your business needs and what type of coverage you should obtain.

It might be helpful to write down all aspects of your company and analyze the type of insurance coverage that you need.

If you are the sole proprietor of the limousine, then your coverage needs could be different than the ones with many limousines.

Sole proprietors are in charge of everything, including maintenance, so you need to have complete coverage in order to not be stuck with huge bills. Comprehensive coverage is also a good idea, as limousines are often the victims of theft or vandalism.

Get an idea of how much full versus minimum coverage costs at the best limo companies in the table below.

Limousine Auto Insurance Monthly Rates by Coverage Level & Provider

If your company includes many drivers, you should make sure you have adequate coverage and meet the limo insurance requirements of your state. Your employees should have proper training, and their records need to be clean.

Learn more: How Auto Insurance Companies Check Driving Records

The age and vehicle model should also be taken into consideration when choosing the proper coverage. If you own a garage, you should also make sure your policy covers the cost if there is a fire. An experienced insurance agent can help you know which the best policy is for you.

Auto Insurance for Limousines: The Bottom Line

Having proper limousine insurance coverage is crucial, as it can save your company from financial disaster. While the best business auto insurance does cost a little more than car insurance; however, it is worth it to prevent many problems in the future. Therefore, research your options to find the best deal for your company.

For free limousine auto insurance quotes online, try our comparison tool.