Commercial Auto Insurance
Protection to help keep your business operating smoothly.
We compare coverage options from our trusted partners.
What is Commercial Auto Insurance?
Protection for Business
Vehicles
Vehicles
Commercial auto insurance helps keep business vehicles and their employees protected while on the road.
Protection for Personal Vehicles Used for Business
In some situations, personal auto insurance will not cover you if you're using your vehicle for business purposes. You may need commercial auto insurance too.
Customize Your
Coverages
Coverages
We can help you find commercial auto coverage that meets yours or your business' needs.
What Types of Vehicles are Covered?
Many types of vehicles can be covered if they are used for business purposes.
Vans
Cars
Box Trucks
Food Trucks
Trailers
Refrigerated Trucks
SUV
Commercial Auto Coverages
What's Covered
Optional
Roadside Assistance
New Vehicle Replacement Cost
Towing
Rental Reimbursement
Lease Coverage
Personal Protection Coverage
Rental Reimbursement
Factors That Can Potentially
Impact Your Rate
Safety Devices
You may be able to minimize your rate by equipping your vehicle or fleet with safety devices that help decrease accidents and chances of theft.
Coverage Limits
Your commercial auto insurance rates depend on the amount of coverage you elect. Most states have minimum requirements drivers must meet or exceed.
Credit History
Credit history can also impact your rate. Drivers with better credit may pay less while drivers with poor credit may pay more.
Driving Record
Drivers who have prior accidents, traffic tickets, or moving violations may appear riskier to auto insurers. A clean driving record may help get you a lower rate.
Vehicle Value
The type of vehicle and miles driven may impact your premium cost. Each company weighs these factors differently which is why comparison shopping can be helpful.
Location
Where you live and drive factors into calculating your premium. If your business is in an urban area with heavier traffic and higher crime rates, you may pay more than someone who lives in a rural area with less traffic and lower crime rates.
New to Commercial Auto Insurance?
Here is What to Expect
Do I need Commercial Auto Insurance?
A commercial auto insurance policy may be required if a vehicle is used for business activities or for the operator's profession, aside from commuting.
Each situation is unique, which is why discussing your vehicle use with a licensed agent can be helpful in determining what kind of coverage you need.
Discounts and
Savings
Savings
We'll make sure you get every discount for which you qualify. Common commercial auto insurance discounts include:
- Multi-car
- Anti-theft
- Safety devices
- Marital status
- Good driver
- And more
How Much does Commercial Auto Cost?
Rates vary due to multiple factors. The number of vehicles to insure, vehicle use, and coverage limits are all factors that impact cost. Our licensed insurance agents can help you shop around for quotes and help you find a policy that makes sense for business.
Our licensed insurance agents will discuss available options and discounts during your commercial auto quote.
Commercial Auto
Insurance FAQ
Insurance FAQ
Do I need commercial auto insurance?
A commercial auto insurance policy may be required if a vehicle is used for business activities or for the operator's profession, aside from commuting.
Each situation is unique, which is why discussing your vehicle use with a licensed agent can be helpful in determining what kind of coverage you need.
Would commercial auto insurance be more expensive than auto insurance?
Every situation is unique. Premium cost depends on many factors, and shopping around for policies may be helpful. Our licensed insurance agents can help you find insurance coverage to meet your needs and budget.
What is difference between commercial and business auto insurance?
Businesses may require commercial auto insurance for their vehicles. They may also need other types of business insurance such as General Liability or Workers Compensation. Laws and regulation vary by state, jurisdiction, and industry. If you want assistance in figuring out what your business requires, contact our licensed agents and we'd be happy to discuss your situation.
Availability in my state?
We shop and quote commercial auto for businesses in Illinois, Indiana, and Texas. More states will be available in the future.
Protecting Customers Since 1980
Read what customers are saying about our service.
If I could give more stars Maria most definitely deserves them. I had an issue with my plate sticker and needed to get insurance. She was so friendly, patient, and helpful she gave me options that I didn't know I had and it was just what I needed. She guided me through everything and gave me all her attention...
Jennifer F.
Nick helped me get an affordable policy with roadside assistance in less than 10 minutes! This was the easiest process I have ever had while purchasing anything. There is also an app you can download which makes everything even more convenient.
D E.
Nick was very thorough, friendly and answered any questions that I had pertaining to my insurance policy. Customer service was A1. Thank you Nick.
Candace B.
Fastest and easiest platform to purchase insurance. Honest up front about all charges and very nice and friendly when it came to customer service.I would recommend this agency to everyone needing a no hassle policy.Thanks again guys, look forward to a long and trusting relationship
Oscar E.
