Best Commercial Auto & Business Insurance Providers in 2025
Fleet Specialist 
- Save 10% with usage-based coverage
- Covers Ford and non-Ford commercial vehicles
- Backed by Ford Pro, #1 in commercial vehicles for 37 years
- Integrates with Ford Pro fleet management, vehicles, financing, and service
- Telematics-based pricing rewards safe driving with real-time data
Most Popular 
- 15% off when you pay in full
- America’s #1 Commercial Auto Insurer
- 24/7 claims support with nationwide repair network (excl. NY and CA)
- Coverage for all vehicles: vans, trucks & more
- Free fleet management tools with Snapshot ProView™
- Not available in New York
- Save up to 20%
- Commercial Auto policies as low as $49/month
- Buy online in 5 minutes
- Over 500,000 small business owners served
- Multi-policy, paid-in-full & fleet discounts available
- Accepts foreign licenses
- Automatic new hire coverage
- Comprehensive trailer insurance options
- Limited in-person support options available
- Over 70 years of commercial vehicle expertise
- Coverage for all vehicle types (cars to semi-trucks)
- Customized policies with higher coverage limits
- No roadside assistance
- 200+ years serving customers
- Customizable coverage
- Small business insurance as low as $25/month
How we help you choose
We review and summarize the key details about each provider, so you can easily compare your commercial auto and business insurance options. We analyze costs, coverage, and key features – you focus on finding your best match.
Frequently Asked Questions
What features should I prioritize when comparing commercial auto insurance?
Focus on these essential capabilities:
- Liability Coverage
- Fleet Coverage
- Driver Protection
- Property Damage
- Digital Claims
- Usage-based Pricing
- Value-added Services
- 24/7 Support
Do I need commercial insurance if I use my personal vehicle for work?
Personal auto policies typically exclude business use, leaving you exposed to denied claims and personal liability. Even occasional deliveries, client meetings, or equipment transport require commercial coverage to protect your assets. Most insurers offer flexible policies that cover mixed personal and business use without doubling your insurance costs.
What business benefits justify commercial auto insurance investment?
Beyond legal compliance, insurance provides essential financial protection against costly liability claims that could close your business. Coverage ensures business continuity after accidents while meeting contractual obligations with clients, landlords, and lenders who require proof of insurance.
What happens if my employee has an accident in a company vehicle?
Without proper commercial coverage, you’re personally liable for damages, medical bills, and potential lawsuits that could bankrupt your business. Commercial auto insurance transfers this risk to the insurer, covering legal defense, settlements, and employee injuries. This protection extends to hired and non-owned vehicles, ensuring coverage even when employees use personal cars for business.
How do I determine adequate coverage without over-insuring my business?
Assess your business risk profile by evaluating vehicle usage patterns, driver records, and operational exposure levels. Consider industry-specific risks and client contract requirements while balancing comprehensive coverage against budget limitations. Work with insurers who provide clear risk assessments and transparent premium calculations.
How do I manage premium costs while maintaining adequate protection?
Understand factors affecting rates including driver records, vehicle types, and usage patterns to optimize your risk profile. Consider usage-based pricing options that align costs with actual exposure, while implementing risk management programs that may qualify for discounts from forward-thinking insurers.
Need coverage soon? Get instant quotes online from top-ranked providers
Top Commercial Auto Discounts
Whether you need coverage for a single business vehicle or an entire fleet, Progressive offers customizable commercial auto insurance with competitive rates and instant quotes.
Commercial auto insurance designed for small business fleets, backed by Ford Pro's 37 years as #1 in commercial vehicles.
Whether you're a small business owner with a single company vehicle or managing a commercial fleet, biBERK offers straightforward commercial auto coverage with competitive direct-to-consumer rates.