5 Best Commercial Auto Insurance Companies

We determined the best commercial auto insurance companies using our in-house proprietary evaluation system. In evaluating insurance companies, we focused on the customer’s needs. We paid particular interest to convenience, financial ratings (AM Best), customer service, types of policies offered, and the overall experience as a policyholder with a specific provider.

Nationwide is one of the few providers that can quote commercial auto insurance online. Although, depending on the type and number of vehicles, you may have to speak with an agent to get a quote. So if that happens, don’t be surprised.

We were quoted $2,270 annually for a one-passenger vehicle. The policy carried collision and comprehensive coverage, both with a $500 deductible. Liability had a combined single limit of $500,000.

Nationwide has four policy packages: Base, Plus, Gold, and Platinum. Every package includes two types of coverage that most providers only offer as an endorsement. Accidental airbag discharge and autos hired or rented by employees. Each one has a number of endorsements available, like $5,000 in extra expenses for stolen vehicles and expanded coverage for towing.

Nationwide offers online accounts and claims management. Its customer satisfaction is high. Zero complaints were reported in 2023 for its commercial auto insurance through the NAIC.

The company offers a free telematics program, Vantage 360 Fleet^®, to help create a safe driving environment. While it is designed for fleets, it is available for commercial auto policies with only one vehicle. Using it gives you a discount on your auto policy, and it works through a combination of a mobile app and a device attached to your car.

Nationwide monitors speed, hard braking and acceleration, and phone usage. You can use the data to change driving habits and create a safer environment.

We received a commercial auto quote for $2,054 annually. It was eligible for a 15% paid-in-full discount. The policy carried collision and comprehensive coverage with a $500 deductible and a $300,000 combined single limit in liability. If paying in full is not possible, multiple options are available for payment plans ranging from two to nine months.

There are two other significant ways to save with Progressive. One is through Snapshot ProView^® (save 5% just by enrolling), and the other SmartHaul^® (save anywhere from 3% to 12% off their premium) for truckers. Both programs use telematic devices to monitor driving habits. From the data, recommendations are made to increase driving safety.

Complaints filed against Progressive are slightly higher than the national average. However, Progressive is also one of the largest insurers for commercial auto, so a higher complaint average does make sense.

For most vehicles, including fleets, you can get an online quote and purchase the policy. Progressive allows you to manage the policy, file a claim, and track it online.

Quoting for business insurance is unavailable online. To get a quote, you can contact a local independent agent or call The Hartford directly.

For commercial auto, it offers endorsements to expand coverage, including the following:

• Loan/lease gap coverage
• Vehicle wrap coverage
• Employees as insured
• Downtime loss and rental reimbursement coverage

The Hartford has a robust safety fleet management program to help you manage risk. FleetAhead^® uses telematic devices to gather data on driving habits. This data is then analyzed by The Hartford’s risk engineering team, who provides coaching for safe driving improvements. While there is no specific information on discounts using this program, The Hartford does state that there are financial benefits.

• Fuel consumption decreases between 7% and 10%
• Accidents decreased by 31%
• Resulting in a 74% reduction in accident-related costs

The Hartford has lower-than-average complaints with the NAIC. J.D. Power also ranks it third for independent agent satisfaction, and this is the second year in a row it has been in the top three.

While you cannot get an online quote, it does offer online claim management and policy management, including proof of insurance.

You’ll have two ways to go about getting a quote through Tivly. You can call the company directly or fill out a contact request form. The quote request form needs only three points of information to start the process: your ZIP code, your name, and a phone number you can be reached at. Expect a call within minutes from Tivly to finish the quote.

As a marketplace, it can be a little tougher to evaluate how customers view Tivly. However, on Google,^[1] there are over 4,000 reviews, and its average rating is 4.7 out of 5 stars.

It is open six days a week, Monday through Saturday, from 8 a.m. to 8 p.m. Its service is also free, so you don’t have to worry about a markup on your policy due to Tivly’s role.

To get a quote, you will need to speak with an agent. On its website, you can locate an agent in your area using your ZIP code.

Travelers has two types of policy forms for commercial auto, including the following:

1. Basic types of coverage and endorsements a business needs
2. CoveragePlus^® has 13 endorsements to expand coverage. If your business has a trailer, the trailer is insured for up to 3,000 pounds. Transportation expense (rental) is increased from $20 per day to $50 per day, with a maximum of $1,500. One other feature of CoveragePlus® is that the insured’s employees are added as named insureds, including if the employee owns autos.

While Travelers does not offer online quotes, you can manage your policy, pay your premium, and file a claim online. It also has a 24/7 line for claims and a 24/7 hotline for customer advocacy. So if you encounter a problem, you can call Travelers and have an advocate on your side. This may be why Travelers has complaints that are lower than the national average for commercial autos.

Commercial auto insurance is one policy with multiple coverages. It has liability (covering property damage and injury to others), first-party coverages for your vehicle (collision and comprehensive), and injuries in your vehicle (medical payments).

There are additional coverages, like uninsured motorists and loss of use/transportation expenses. From there, it depends on your business needs.

Commercial auto insurance costs anywhere from $600 to $2,400 for a single vehicle. Its premiums draw on a wide range of factors—including the type of vehicle, industry, and claims history.

Most states require insurance or a statement of financial responsibility. The insurance required is usually limited to liability (property damage and bodily injury), and the state often has a minimum limit requirement.