Auto Insurance for Charities (How to Save)

Auto insurance for charities is crucial to protecting their employees and volunteers as well as their clients in the event of an accident. Charities and non-profit organizations will most likely be required by state law to carry commercial auto insurance on any vehicles that are owned by the organization. Make sure you are protecting the people who mean so much to your non-profit with commerical auto insurance. Read more to find out more and compare auto insurance rates.

UPDATED: Nov 21, 2022Fact Checked

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Nov 21, 2022

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Things to Remember

  • Transportation is a vital service that non-profit organizations provide to their clients whether it be for medical care, employment opportunities, community programs, or to access education
  • Often the people being transported by charities are children, medically vulnerable individuals, the elderly, pregnant women, and others
  • Regardless of who is using the vehicles proper auto insurance coverage is important for charities to ensure that they are covered in the case of an accident

Auto insurance for charities is very important because oftentimes these organizations are helping people get around whether it be to a doctor’s appointment, to school, or another important place that they have difficulty getting to on their own.

Transportation services may be rendered in a company-owned vehicle or in a personal vehicle, but no matter what the case may be it is important to make sure that these drivers are covered by auto insurance.

Not only do you want to protect your non-profit organization in the event of an accident, but you also want to protect the people you work so hard to help. Save by comparing rates, and find cheap auto insurance for charities.

Enter your ZIP code above to compare auto insurance quotes for charities. 

Why does my non-profit need commercial auto insurance?

First, and most importantly, if your non-profit owns a vehicle almost every state in the country will require you to legally carry commercial auto insurance on it. The only two exceptions being Virginia and New Hampshire. Auto insurance laws vary by state, but most require liability coverage.

However, even in those two states, the non-profit would still be liable for any damages or injuries caused by their employees or volunteers in their vehicle. You don’t want to be on the hook for potentially costly medical and repair bills. Commercial auto insurance helps protect you and your employees. Read Commercial Auto Insurance: A Complete Guide, for more information.

Secondly, commercial auto insurance for non-profits can help pay for legal expenses in the event of a lawsuit. You may be wondering, who would sue a charity? The fact of the matter is it happens all of the time, and without commercial auto insurance for non-profit organizations, you could have to foot a costly legal bill in the event of an at fault accident that causes injuries or damages.

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How much does commercial auto insurance cost?

Non-profit organizations and charities often operate on razor-thin margins. You may be thinking that commercial auto insurance is too costly for your organization, but in reality, average commercial auto insurance costs are pretty affordable.

Annual Commercial Auto Insurance Costs by Vehicle Type
Car TypeMinimum Annual Commercial Auto Insurance RatesMaximum Annual Commercial Auto Insurance Rates
Cargo/Delivery Van$3,300$6,200
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As you can see in the table above, average auto insurance costs for a car range from $50 to $200 dollars a month. Exact auto insurance figures will vary based on the make, model, and year of the vehicle you want to insure, but commercial auto insurance can be very affordable.

Are there ways to save money on commercial auto insurance for charities?

Charity organizations looking for auto insurance may be wondering if there are ways to save money on their commercial auto insurance. Most auto insurance companies offer a number of different auto insurance discounts. Here are a few that you may want to inquire about when shopping around for auto insurance.

  • Experience Discounts — you could qualify for an auto insurance discount if you have been operating your non-profit organization for three years or more
  • Loyalty Discounts — if you have been using the same insurer for at least a year, you could receive a loyal customer discount
  • Multi-policy Discount — if you hold multiple policies with the same insurance company, or are looking to insure a fleet of vehicles you will be in a good position to ask for a discount
  • Paid in Full — if you can pay your entire insurance premium upfront, you will often save a good deal of money when compared with paying monthly

These are just a few of the potential ways charities can save on auto insurance costs. The best way to ensure that you are getting the best auto insurance rates for charities is to shop around.

Enter your ZIP code below to compare auto insurance rates for charities in your area, and find cheap auto insurance quotes for charities.

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