How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Progressive Commercial is best overall, with the top affordability score and the strongest customer experience, averaging $143 per month, 13 percent below the national average.
- GEICO averages $149 per month, 9 percent below average, and is best for low-risk business areas such as white-collar and lower-risk service businesses.
- Nationwide averages $154 per month, 6 percent below average, and is best for agricultural and specialty fleets.
- The Hartford offers the deepest coverage depth, with over 200 years of experience and endorsement options rivals do not match, but averages $201 per month.
- biBerk suits small businesses going digital, with a fully online buying experience for firms under 10 employees, averaging $170 per month.
- This article is general information only, not financial advice. Rates vary widely by vehicle type, industry, drivers and state, so get quotes for your own operation before buying.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Progressive Commercial | Best overall and fleets | See website | Not applicable |
 GEICO Commercial | Low-risk business areas | See website | Not applicable |
 The Hartford | Coverage depth | See website | Not applicable |
 Nationwide | Coverage value and agriculture | See website | Not applicable |
 biBerk | Small businesses going digital | See website | Not applicable |
 Travelers | Large fleet and risk control | See website | Not applicable |
 Liberty Mutual | Mid-size business fleets | See website | Not applicable |
 State Farm | Agent support and local service | See website | Not applicable |
Is your product missing or out of date?
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The best commercial car insurance companies
Starting priceSee website
Free planNot applicable
Progressive Commercial is the strongest all-around commercial auto policy in 2026 analyses, scoring 4.23 out of 5 overall, with the most affordable rates and the strongest customer experience, plus the most up-to-date coverage for modern risks, discount incentives and digital experience on the market. It averages $143 per month, 13 percent below the national benchmark, and prices most competitively for taxi and limo drivers, vans and companies in transport, wholesale and hospitality.
In Florida, its rates for taxi and limousine fleets run 31 percent below the state average, and it holds the number one affordability rank for food trucks and limousines. Its telematics programme lets fleet managers track driver behaviour and manage risk. Coverage depth is its weakest area, ranked fourth of five, so businesses in medical transport, heavy equipment or specialised liability may find endorsement options limiting.
What we like- $143 per month average, 13 percent below average
- Top customer experience score
- Telematics for fleet risk management
Watch out for- Coverage depth ranked fourth of five in one analysis
- Endorsement options limited for specialised liability
- Rates vary by state
Starting priceSee website
Free planNot applicable
GEICO Commercial is a strong runner-up, scoring 4.13 out of 5 overall, best suited to non-transportation-heavy industries for the best value. It averages $149 per month, 9 percent below the national benchmark, and prices lowest for white-collar and lower-commercial auto risk service businesses, plus businesses using sedans and SUVs most often for business activities and farm tractors.
In Florida, GEICO holds the number one affordability rank, with rates running 15 percent below the state average, for low-risk, office-based operations. For businesses that do not need high-exposure vehicle coverage, GEICO offers better value than Progressive, but high-exposure operations should compare Progressive first.
What we like- $149 per month average, 9 percent below average
- Lowest for white-collar and lower-risk service businesses
- Strong for sedans and SUVs
Watch out for- Less competitive for high-exposure operations
- Coverage depth middling
- Agent support limited versus State Farm
Starting priceSee website
Free planNot applicable
The Hartford offers the deepest coverage depth, scoring 4.03 out of 5 overall, with the backing of over 200 years of experience, a great claims experience and broad inclusions coverage-wise that most insurers shy away from. In Florida it posts the highest coverage score of any provider at 4.26 out of 5, with endorsement options Progressive does not match.
That depth costs more: it averages $201 per month, 23 percent above the national benchmark, and ranks fifth on affordability. For businesses that need the deepest coverage customisation, such as medical transport or specialised liability, The Hartford justifies its premium.
What we like- Over 200 years of experience
- Highest coverage score at 4.26 in Florida analysis
- Broad inclusions rivals shy away from
Watch out for- $201 per month average, 23 percent above average
- Affordability ranked fifth
- Digital experience lags biBerk
Starting priceSee website
Free planNot applicable
Nationwide scores 4.03 out of 5 overall, with good service experience and affordability, making it a balanced option. It averages $154 per month, 6 percent below the national benchmark, and its price leadership shows up mostly for tech, beauty and fitness services with a mobile component.
It is particularly good value for the agricultural service industry, with tailored coverage and the most experience in that work area. For agricultural and specialty fleets, Nationwide is a top choice, while other industries should compare Progressive and GEICO first.
What we like- $154 per month average, 6 percent below average
- Tailored agricultural coverage
- Balanced service and affordability
Watch out for- Coverage depth middling
- Price leadership concentrated in tech, beauty and fitness mobile services
- Agent availability varies
Starting priceSee website
Free planNot applicable
biBerk, the Berkshire Hathaway small business brand, scores 3.84 out of 5 overall, with a fully digital buying experience suited to small businesses entering commercial coverage for the first time, with easy-to-use interfaces for firms under 10 employees without hard-to-understand coverage terms. It averages $170 per month, 4 percent above the national benchmark.
Its simplicity suits simple coverage needs, but complex fleets and specialised liability operations should look to The Hartford or Progressive. For a small business buying its first commercial auto policy online, biBerk is the easiest entry point.
What we like- Fully digital buying experience
- Easy interfaces for firms under 10 employees
- Simple coverage terms
Watch out for- $170 per month average, 4 percent above average
- Suits simple coverage needs only
- Limited for complex fleets
Starting priceSee website
Free planNot applicable
Travelers is a large commercial insurer with fleet expertise, risk control services and broad commercial lines, suited to larger operations that need coordinated coverage across vehicles, property and liability. Its risk control consultants help fleets reduce accidents through driver training, vehicle inspection and safety programmes.
Pricing is on request and agent-led, which suits larger buyers but frustrates small businesses that want instant online quotes. For large fleets that value risk control, Travelers is a strong choice.
What we like- Large fleet expertise
- Risk control services
- Broad commercial lines
- Strong claims infrastructure
Watch out for- Pricing on request
- Agent-led process suits digital buyers less
- Small business focus weaker than biBerk
Starting priceSee website
Free planNot applicable
Liberty Mutual offers mid-size business fleet coverage with broad commercial lines, telematics and safety programmes, and a national agent network. It suits mid-size companies that need a single carrier for vehicles, property and liability, with local agent support for claims and renewals.
Pricing is on request and less competitive for small businesses than Progressive or GEICO in 2026 analyses. For mid-size fleets that want a single carrier relationship, Liberty Mutual is a solid choice.
What we like- Mid-size fleet expertise
- Broad commercial coverage
- Telematics and safety programmes
- National agent network
Watch out for- Pricing on request
- Digital experience middling
- Small business pricing less competitive than Progressive or GEICO
Starting priceSee website
Free planNot applicable
State Farm offers commercial auto coverage through the largest US agent network, with local service and claims support and bundling with business property and liability policies. It suits businesses that value a local agent relationship and want one carrier for personal and business needs.
Pricing is on request, and commercial auto is one line among many, so specialist fleets may find deeper expertise at Progressive or The Hartford. For businesses that prioritise local agent support, State Farm is a leading choice.
What we like- Largest US agent network
- Local service and claims support
- Bundling with business property and liability
Watch out for- Pricing on request
- Commercial auto is one line among many
- Digital quoting lags biBerk
How we chose
We compared carriers on affordability, coverage depth, customer experience and digital buying, using 2026 MoneyGeek analyses that compared rates across eight vehicle types and 25 industries, plus coverage breadth and policy flexibility, and scored customer experience across quoting, policy management and claims. Progressive leads on affordability and experience, GEICO on low-risk value, The Hartford on coverage depth, Nationwide on agricultural value, and biBerk on digital simplicity. Rates change by state, vehicle and driver history, so we reported averages and wrote See website for quotes. This article is general information only, not financial advice, and we did not claim hands-on experience with these carriers.
Buying commercial car insurance
Start from your vehicles, drivers and use, not the headline rate. A carrier that is cheapest for sedans may be expensive for food trucks, and a carrier that leads in one state may lag in another, so get quotes from at least three carriers for your exact fleet. Check coverage depth, not just price: liability limits, collision and comprehensive, uninsured motorist, medical payments, hired and non-owned auto, and endorsements for specialised work all matter when a claim arrives.
Review driver history and safety programmes, since telematics and driver training can cut premiums, and confirm how claims work, including rental coverage, repair networks and downtime support. Finally, re-quote annually, since rates, vehicle values and business operations change, and a carrier that was cheapest last year may not be cheapest this year.
Frequently asked questions
What is the best commercial car insurance company?
Progressive Commercial is best overall, with the top affordability and customer experience scores. GEICO is best for low-risk businesses, The Hartford for coverage depth, Nationwide for agricultural fleets, and biBerk for small businesses buying online.
How much does commercial car insurance cost?
Averages in 2026 analyses run from $143 per month for Progressive, $149 for GEICO, $154 for Nationwide, $170 for biBerk, to $201 for The Hartford. Your cost varies by vehicle type, industry, drivers, location and coverage limits, so get a quote for your own operation.
What does commercial car insurance cover?
It covers liability for injuries and property damage you cause, collision and comprehensive damage to your vehicles, uninsured motorist protection, medical payments, and hired and non-owned auto coverage for rented or employee-owned vehicles used for business.
Do I need commercial auto insurance if employees use personal cars?
Yes, personal auto policies typically exclude business use, so hired and non-owned auto coverage protects your business when employees drive personal cars for work. Check your policy exclusions, since a personal policy alone leaves a gap.
What is the difference between commercial auto and fleet insurance?
Commercial auto covers business vehicles generally, while fleet insurance covers multiple vehicles under one policy with shared limits and administration. Small fleets may use commercial auto policies, while larger fleets benefit from fleet programmes with telematics and risk control.
How can I lower commercial auto insurance costs?
Compare quotes from multiple carriers, use telematics and driver safety programmes, raise deductibles where cash flow allows, maintain clean driver records, and bundle vehicles with property and liability policies where discounts apply.
Sources we checked (10)
- https://www.progressive.com
- https://www.geico.com
- https://www.thehartford.com
- https://www.nationwide.com
- https://www.biberk.com
- https://www.travelers.com
- https://www.libertymutual.com
- https://www.statefarm.com
- https://www.moneygeek.com/insurance/business/commercial-auto/best/
- https://www.moneygeek.com/insurance/business/commercial-auto/cheapest/
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.