The best companies for commercial car insurance are Progressive, USAA, and Nationwide. Progressive and USAA are some of the cheapest providers, with rates starting at $58/month.

The top pick is Progressive for affordable rates and nationwide coverage. USAA is the best in customer service and Nationwide in multi-policy savings.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	10%	A+	Qualifying Coverage	Progressive
	#2	10%	A++	Customer Service	USAA
	#3	20%	A+	Multi-Policy Savings	Nationwide
	#4	5%	A+	Tailored Policies	The Hartford
	#5	13%	A++	Small Businesses	Travelers
	#6	25%	A	Safe-Driving Discounts	Liberty Mutual
	#7	20%	A	Policy Options	Farmers
	#8	17%	B	Agency Network	State Farm
	#9	25%	A++	Cheap Rates	Geico
	#10	25%	A+	Infrequent Drivers	Allstate

Keep reading to learn how customers save money on car insurance and where to find cheap commercial auto coverage near you.

Get the right commercial car insurance at the best price — enter your ZIP code above to shop with the top insurers in your city.

What You Should Know

• Progressive offers full coverage commercial car insurance at $135/month
• USAA excels in customer service but is only available to military members
• Nationwide provides excellent multi-policy savings on comprehensive coverage

#1 – Progressive: Top Overall Pick

Pros

• Competitive Rates: Progressive is recognized as one of the best companies for commercial car insurance due to its competitive rates, starting at $60/month.
• Comprehensive Coverage: As detailed in our Progressive review, Progressive provides a broad range of coverage options suitable for various commercial needs.
• User-Friendly Tools: Progressive's online tools make it easy to manage commercial car insurance policies.

Cons

• Variable Pricing: Rates for commercial car insurance may vary significantly based on the type of business and where it operates.
• Claims Delays: Claims processing times can be slower compared to other top companies for commercial car insurance

#2 – USAA: Best for Customer Service

Pros

• Efficient Claims Handling: It is highlighted in our USAA review that it's one of the highest-ranked companies for insurance claims by customers.
• Top-Tier Service: USAA is renowned for providing excellent customer service among the best companies for commercial car insurance.
• Personalized Assistance: It offers tailored support for businesses with fleet or commercial car insurance.

Cons

• Eligibility Restrictions: USAA commercial car insurance is limited to military members and their families.
• Limited In-Person Service: USAA insurance and financial services operate primarily online, making it difficult to buy commercial car insurance in person.

#3 – Nationwide: Best for Multi-Policy Savings

Pros

• Great Savings: Nationwide provides significant savings on commercial car insurance through multi-policy bundling.
• Flexible Coverage: Read how the company offers adaptable coverage options that meet various commercial insurance needs in our review of Nationwide.
• Fleet Management: Nationwide Vantage 360 Fleet provides usage-based and route monitoring services for businesses with multiple commercial vehicles.

Cons

• Discount Limits: Multi-policy savings might not be as substantial for smaller businesses.
• Regional Limitations: Some commercial car insurance options may be limited based on location.

#4 – The Hartford: Best for Tailored Policies

Pros

• Expert Recommendations: The Hartford has an A+ financial rating and more than 200 years of experience in the commercial insurance industry.
• Custom Policies: The Hartford specializes in tailored policies, making it one of the best companies for commercial car insurance.
• Flexible Options: As shown in our The Hartford review, it provides adaptable insurance solutions to meet specific business requirements.

Cons

• Complex Policies: Tailored policies can be more complex and harder to understand.
• Potentially Higher Costs: Customized coverage might come with higher premiums compared to standard options.

#5 – Travelers: Best for Small Businesses

Pros

• Extensive Coverage: Our Travelers review highlights its comprehensive coverage options for various commercial auto insurance.
• Commercial Add-Ons: Small business owners can add Travelers Select Auto CoveragePlus to include gap insurance and rental car liability.
• Bundling Discounts: Travelers offers easy management and notable discounts on commercial car insurance for small business owners who bundle policies.

Cons

• Limited Bundles: Bundling options might not cover all types of commercial insurance.
• Potential Complexity: Managing multiple bundled policies can make business management more complex.

#6 – Liberty Mutual: Best for Safe-Driving Discounts

Pros

• Comprehensive Coverage: Liberty Mutual offers broad coverage options tailored to commercial vehicle needs. Explore options in our Liberty Mutual review,
• Safe-Driving Discounts: Liberty Mutual provides substantial discounts for safe driving, making it a top choice for commercial car insurance.
• Risk-Management Solutions: Commercial auto insurance with Liberty Mutual includes free risk management for businesses.

Cons

• Discount Eligibility: Safe-driving discounts may not be available to all commercial policyholders.
• Higher Base Rates: Base rates for commercial car insurance might be higher before discounts are applied.

#7 – Farmers: Best for Policy Options

Pros

• Diverse Options: Our Farmers review lists the broad range of Farmers commercial insurance policy options.
• Customizable Coverage: It provides flexible coverage solutions tailored to various commercial needs.
• Industry Experience: Farmers has an A rating from A.M. Best and nearly 100 years of experience in the commercial insurance industry.

Cons

• Complex Choices: The wide range of options can be overwhelming and difficult to navigate.
• Variable Costs: Costs for commercial car insurance can vary significantly based on selected policy options.

#8 – State Farm: Best Agency Network

Pros

• Extensive Network: Its large agency network provides local support and customized commercial insurance solutions. Our State Farm review shows what local agents offer.
• Competitive Rates: Commercial auto insurance costs are cheap with State Farm, starting at $59/month for minimum coverage and $132/month for full.
• Reliable Coverage: It delivers dependable coverage options supported by a strong agency presence.

Cons

• Inconsistent Service: Service quality may vary between agents and locations.
• Potentially Higher Premiums: Premiums might be higher where you live due to the personalized service and extensive network.

#9 – Geico: Best for Cheap Rates

Pros

• Affordable Rates: Geico is known for offering some of the cheapest rates for commercial car insurance, starting at $57 monthly.
• Straightforward Coverage: As one of the top ten best car insurance companies, Geico provides simple and cost-effective commercial car insurance options.
• Efficient Online Tools: Geico’s online tools make managing commercial car insurance straightforward.

Cons

• Limited Coverage Options: Coverage options might be less comprehensive compared to other top companies.
• Customer Service: The quality of customer service may not be as robust as some other leading insurers.

#10 – Allstate: Best for Infrequent Drivers

Pros

• Specialized Coverage: Allstate provides tailored coverage for infrequent commercial drivers.
• Cost-Effective: It offers cost-effective insurance options for businesses with low mileage. Find out more in our Allstate review.
• Customizable Policies: Coverage can be adjusted to suit the needs of businesses with infrequent driving.

Cons

• Higher Rates: Commercial car insurance rates may be higher for businesses requiring more driving.
• Coverage Limitations: Options for high-mileage businesses may be less competitive.

Comparing Rates and Coverage from the Best Commercial Car Insurance Companies

Looking for cheap commercial car insurance? Compare minimum and full coverage options from top providers like Progressive, USAA, and Nationwide to find the best price.

Insurance Company	Minimum Coverage	Full Coverage
	$66	$145
	$61	$136
	$57	$128
	$64	$142
	$65	$140
	$60	$135
	$59	$132
	$62	$137
	$63	$138
	$58	$130

USAA has the lowest commercial car insurance rates, but these prices are only available to business owners with military ties. Progressive, State Farm, and Geico offer affordable rates to most drivers.

Additionally, ensure that your commercial auto policy provides comprehensive insurance coverage to fully protect your business.

Commercial auto is not the same as personal car insurance, and adding commercial coverage will always raise your rates. Shop around with multiple companies to get the best coverage at an affordable price.

Discounts from the Best Companies for Commercial Car Insurance

Many providers offer multi-policy discounts, which can significantly lower commercial car insurance premiums. Safe driver discounts are another option, rewarding businesses who hire drivers with clean records.

Insurance Company	Available Discount
	Business Experience, Bundling, Safe Driver, Paid-in-Full
	Bundling, Business Owner, Safe Driver, Loyalty
	Bundling, Business Experience, Paid-in-Full, Anti-Theft
	Bundling, Business Experience, Claims-Free, Fleet
	Bundling, Business Experience, Paid-in-Full, Commercial Fleet
	Bundling, Safe Driver, Fleet, Accident-Free
	Bundling, Accident-Free, Paid-in-Full, Vehicle Safety
	Business Owner, Bundling, Safe Driver, Fleet
	Business Experience, Bundling, Fleet, Claims-Free
	Business Owner, Bundling, Safe Driver, Military

Loyalty incentives also help reduce costs for long-term customers with commercial car insurance by offering additional savings and rewards.

Shopping for the right commercial car insurance involves comparing quotes, customizing coverage, and asking for discounts that reward your lifestyle:

• Compare Quotes: Obtain and compare quotes from multiple providers to find the most competitive rates for commercial car insurance.
• Customize Coverage: Choose providers offering customizable policies to tailor your commercial car insurance plan to your specific business needs.
• Sign Up For UBI: The best commercial car insurance companies offer usage-based insurance (UBI) options for companies who hire safe drivers.

You can find more money-saving strategies in our practical guide for understanding car insurance.

Key Takeaways for Securing Top Commercial Car Insurance

The best companies for commercial car insurance are Progressive, USAA, and Nationwide. These companies offer comprehensive coverage options to protect your business fleet that fit any budget.

Discounts, such as those for safe driving or multiple vehicles, are the top ways customers have saved money on commercial car insurance. Regularly reviewing your policy also ensures you get the best commercial auto insurance deal.

Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.