Best Commercial Auto Insurance Companies 2025
We’ve identified the top commercial auto insurance companies for 2025 based on our analysis of complaint data from the National Association of Insurance Commissioners. The top seven companies – Acuity, Auto-Owners, Axis, Federated Insurance, The Hartford, Nationwide, and Sentry – all scored five out of five stars in our evaluation.
What is Commercial Auto Insurance?
Commercial auto insurance is a type of business insurance that covers vehicles used for work purposes. It provides liability insurance and can include additional coverages for the vehicle, driver, and passengers. This insurance is necessary because personal car insurance typically doesn’t cover accidents that occur while driving for business.
Key Features of Commercial Auto Insurance
- Property Damage Liability: Covers damages to another person’s property when you’re at fault in an accident.
- Bodily Injury Liability: Pays for injuries you cause to others in an accident.
- Collision Insurance: Covers damage to your business vehicle in the event of a collision.
- Comprehensive Insurance: Pays for damage caused by weather, fire, theft, and other non-collision events.
Top Commercial Auto Insurance Providers
- Acuity: Known for low complaint levels and comprehensive coverage options.
- Auto-Owners Insurance: Offers a range of coverage options and has a very low complaint level.
- Axis Insurance: Specializes in insurance for specific industries and has a low complaint level.
- Federated Insurance: Provides customized insurance policies for various business needs.
- The Hartford: Offers additional coverage options like lost business income and gap coverage.
- Nationwide: Features a telematics program for fleet vehicles and has a very low complaint level.
- Sentry: Primarily serves large businesses and has an excellent track record for low complaints.
Factors Affecting Commercial Auto Insurance Costs
- Type of Business: The nature of your business impacts your insurance rates.
- Coverage Choices: Your coverage limits and options affect your premium.
- Driving History: A good driving record can lower your rates.
- Location: Operating in larger cities may increase your insurance costs.
- Vehicle Type: The type and size of your commercial vehicle influence your insurance rate.
How to Get the Cheapest Commercial Auto Insurance
To find the most affordable commercial auto insurance, compare quotes from multiple providers and consider bundling your insurance policies. Shopping around and evaluating the same coverage limits across different insurers can help you find the best rates for your business vehicles.
