Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 21, 2020

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

Things to Remember...

  • All business owners need some type of commercial coverage
  • State Farm auto insurance offers a variety of options that are budget-friendly
  • Nationwide auto insurance offers several different types of coverage including liability coverage, comprehensive and collision

Commercial auto insurance providers know that your business cannot move forward without properly insured vehicles.

They know that you count on auto insurance for those vehicles for tasks of the highest importance, such as, mobility for delivery of products or transporting your employees and guests to those necessary destinations that keep you in business.

Hazardous roads, obstructions and weather conditions can cause an unavoidable accident, leaving you totally out of control. Add to that, an uninsured driver, vandalism, and risky traffic situations.

Enter your zip code into our FREE auto insurance comparison tool to find great coverage now!

Top Commercial Auto Insurance Providers

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1. State Farm

State Farm auto insurance offers a variety of options that are budget-friendly.

They offer coverage to suit the needs of your business, whether it’s for private passenger care, delivery vans or certain vehicles that are used to run your other businesses.

The characteristics of State Farm auto insurance makes them able to offer discounted rates when you bundle your other insurance needs with them.

When contacting them you must be prepared to give relative information about your business and the purposes of the vehicles you wish to insure.

A policy may be obtained at State Farm that specifically covers cars used for business.

It is called “Employer Non-Owned Car Liability Coverage.”

This type of policy protects your business revenue in case of legal judgments incurred by an employee and prevents any financial loss where you could be liable.

2. Nationwide Insurance

Types of Coverage for Commercial Vehicles

In your pursuit of commercial auto insurance, you must get coverage that is customized to your business needs and cost-effective.

Listed below are some areas you should have covered in your online auto insurance quote:

  • Auto liability
  • Payment of medical costs incurred as a result of an accident
  • Coverage for collision
  • Comprehensive coverage
  • Coverage for underinsured and uninsured drivers
  • Coverage for those employees that utilize their personal vehicles for your business

Nationwide also offers excellent claims service with a team of commercial auto insurance experts.

They take pride in protecting your business vehicles and settling claims for damages in the quickest way possible.

3. Progressive

Progressive promotes ease in managing your business with commercial auto insurance discount and payment options.

Based on the information you provide about your business, they will generate a free quote that suits the characteristics of your business.

As a sole proprietor, Progressive understands your need to protect those vehicles that are used to run your business.

It is important to be properly insured when that vehicle is driven by various workers in your business.

The Progressive Employer’s Non-Ownership insurance will protect your business when situations occur with vehicles of which you do not have ownership.

Progressive also provides coverage for: used by contractors, landscapers, any other skilled tradesperson.

The coverage includes:

  • Liability Insurance
  • Physical Damage Coverage
  • Uninsured or Underinsured Motorist Insurance

When seeking a quote online, Progressive offers a user-friendly process for obtaining the best possible quotes.

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4. Geico

In order to keep your business flowing in a positive direction, careful choices in commercial auto insurance is of the greatest importance. Geico offers protection of the vehicles that operate under the name of your business.

In the occurrence of an accident or situation that results in damages to your business property, Geico can provide outstanding service at the best possible price.

Geico has a claims department that can reduce your downtime when a vehicle is not operational.

5. GMAC Insurance

At GMAC the commercial auto insurance rates are very competitive as compared to other companies that offer this type of insurance. Medical payments, comprehensive, liability, and collision are offered as coverage options.

You can rest assured that you won’t have to be concerned with expensive repair costs.

You are encouraged to read all clauses associated with an insurance contract before signing.

GMAC provides a convenient quote comparison tool to assist you in measuring the pros and cons prior to making an insurance purchase from any one company.

Their dedicated commercial car insurance specialists are always available, which saves you time and money.

As a business owner, you are not always present to see that repairs of done properly on your business vehicles.

SmartInspect is a free service offered at GMAC where an independent inspection is performed on your vehicles to assure that repairs were done accurately.

GMAC Discounts

GMAC offers a host of discounts that help tailor coverage that is suitable for your business.

The options include the following:

  • Occupational discounts
  • GM and GMAC affiliation discounts
  • Transfer discounts

GMAC provides commercial auto insurance that comes with a “Claims Service Satisfaction Guarantee”. If this service is not up to par, your deductible will be waived up to the amount of $2,501.00.

These commercial auto insurance companies are some of the best available to meet the needs of your business.

Don’t make the mistake of having poorly insured vehicles. Your company doesn’t compromise on anything else, so why should they compromise on auto insurance coverage and prices?

Enter your zip code into our FREE auto insurance comparison tool to find good rates now.

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