Finance & accounting · Ranked by price to features
10 Best Commercial Auto Insurance of 2026
By the Rankozo research desk · Updated November 11, 2026 · Next review December 26, 2026
Progressive Commercial is the best commercial auto insurance company for most business owners in 2026 because it is America's No. 1 commercial auto insurer and its 2025 customer averages start at $260 a month for contractor autos; biBERK suits small businesses that want to buy online direct, and State Farm suits owners who want a local agent. The lowest published figure here is biBERK's estimate of $600 to $1,500 per vehicle per year for commuter or consultant use of smaller vehicles.
- Tools ranked
- 10
- With free plan
- 0
- Cheapest paid plan
- biBERK, $50
- per vehicle per month (low end of $600 a year estimate)
Comparison table
| Tool | |||||
|---|---|---|---|---|---|
| Progressive Commercial | 01 | 9.1 | 9.0 | $260per month (2025 customer average, contractor autos) | No |
| biBERK | 02 | 8.7 | 9.3 | $50per vehicle per month (low end of $600 a year estimate) | No |
| State Farm | 03 | 8.5 | 8.6 | Check price | No |
| Insureon | 04 | 8.3 | 8.5 | $245per month (customer median) | No |
| Erie Insurance | 05 | 8.2 | 8.4 | Check price | No |
| Travelers | 06 | 8.1 | 7.9 | Check price | No |
| Allstate | 07 | 7.8 | 7.8 | Check price | No |
| Liberty Mutual | 08 | 7.6 | 7.4 | Check price | No |
| The Hartford | 09 | 7.6 | 7.3 | $574per month (customer average) | No |
| SmartFinancial | 10 | 7.4 | 7.6 | Customper month (market range) | No |
Click a column to sort. Prices are the cheapest paid plan quoted from each vendor's US pricing page; "Check price" means the US price check is pending.
How this ranking works
One method for every tool. We compared documented features and published prices; we did not run hands-on tests. Value carries the most weight.
Full methodThis list is for business owners insuring work vehicles: a single car used for client visits, a few vans or pickups for a trade business, or a small fleet of box trucks. We compared documented coverages, buying channels and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Commercial auto premiums are set per business, so few insurers publish a price. Where they do, we quote the figure and say whether it is a customer average, a median or an estimate. GEICO, Nationwide and Farmers commercial auto pages did not load for us from our location, so they are left out. NEXT Insurance, now ERGO NEXT, places its commercial auto policies with Progressive, so we list Progressive directly.
The verdict
Progressive Commercial is the first quote to get for most work vehicles: it is the largest commercial auto insurer in the US, covers everything from sedans to tractor trailers, and publishes 2025 averages of $260 a month for contractor autos and $276 for business autos. biBERK is the best value for light business use if you are happy to buy online, with estimates from $600 a year per vehicle. State Farm and Erie suit owners who want an agent, with Erie adding the most no-cost extras in its states. Insureon and SmartFinancial help you compare several carriers at once, Travelers and Liberty Mutual fit growing fleets, and Allstate and The Hartford make most sense for their existing customers.
- 01Top value
Progressive Commercial
9.1/10The commercial auto arm of Progressive, which calls itself America's No. 1 commercial auto insurer based on the SNL Financial Q3 2025 report.
Price
$260per month (2025 customer average, contractor autos)
2025 averages from $260 a month for contractor autos to $926 for for-hire transport trucks
“In 2025, the national average monthly cost for commercial auto insurance through Progressive Commercial ranged from $260 for contractor autos to $926 for for-hire transport trucks.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 9.0
- Features (35%)
- 9.3
- Ease of use (25%)
- 9.0
Best forOwners of work cars, vans, pickups and small fleets who want an online quote, published price benchmarks and discounts for sharing driving data.
Progressive Commercial is the default first quote for most small businesses with vehicles. It cites the SNL Financial Q3 2025 report to call itself the No. 1 commercial auto insurer in America, and its range covers company cars, SUVs, vans and light trucks as well as dump trucks, tractor trailers and trailers. That breadth means a plumber with one van and a contractor with three pickups and a trailer can both stay on one policy. Progressive also publishes what its customers pay: in 2025 the national average was $260 a month for contractor autos and $276 for business autos, rising to $926 for for-hire transport trucks. Those figures give you a yardstick before you call anyone. Savings come from Snapshot ProView, where Progressive says new customers save an average of 9%, plus multi-policy, continuous coverage and paid-in-full discounts. Service runs 24/7 by phone or online. The trade-off is that the published averages are not low, and the best telematics discount requires sharing driving data.
- ✓Largest commercial auto insurer in the US by its own SNL Financial citation
- ✓Publishes average monthly costs by business type, so you can sanity-check a quote
- ✓Discounts for bundling a BOP or general liability, continuous coverage and paying in full
- ✕Averages for business autos ($276) and contractors ($260) are still well above the cheapest small-vehicle estimates
- ✕Snapshot ProView means sharing driving data
- ✕Prices vary depending on whether you buy online, by phone or through an agent
- Market position:
- No. 1 commercial auto insurer (SNL Financial Q3 2025)
- Business auto average:
- $276 a month (2025)
- Contractor average:
- $260 a month (2025)
- Quote time:
- As little as 7 minutes
Bottom line: Progressive Commercial is the best starting point for most businesses insuring work vehicles. Its size, vehicle range and published averages make it the easiest benchmark for every other quote.
- 02
biBERK
8.7/10A direct-to-business insurer from the Berkshire Hathaway Insurance Group that sells commercial auto online without a broker.
Price
$50per vehicle per month (low end of $600 a year estimate)
Estimates from $600 to $1,500 per vehicle per year for commuter or consultant use of smaller vehicles
“For example, commuter/consultant use of smaller vehicles can cost $600 to $1,500 per vehicle per year.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 9.3
- Features (35%)
- 8.0
- Ease of use (25%)
- 8.8
Best forSmall businesses with a few cars, vans or trucks that want to buy online, direct from the insurer, at a lower price.
biBERK is the value pick for business owners who are comfortable buying insurance online. It is part of the Berkshire Hathaway Insurance Group and sells directly to small businesses, which it says lets it price policies up to 20% below other insurers because there is no broker in the middle. Unusually, it publishes cost ranges: commuter or consultant use of smaller vehicles can cost $600 to $1,500 per vehicle per year, livery vehicles $2,000 to $6,000, and for-hire trucking $5,000 to $15,000. The list of vehicles it covers is long, from cars and pickups to cargo vans, food trucks, box trucks, dump trucks, tow trucks and refrigerated trailers, and it lists customers ranging from accountants and dog walkers to landscapers and trucking companies. Coverage is the standard set: liability, medical payments or PIP, uninsured motorist, comprehensive and collision. You can quote online or call an in-house expert. What you give up is a local agent and the extra endorsement bundles some agency carriers include.
- ✓Lowest published per-vehicle estimate on this list for light business use
- ✓Fully online purchase suits owners who do not want an agent
- ✓Financial backing of Berkshire Hathaway
- ✕No local agent network for in-person help
- ✕Feature list is plain compared with enhanced packages from Erie or Travelers
- ✕The low estimate applies to light vehicle use, not trucking
- Parent group:
- Berkshire Hathaway Insurance Group
- Light vehicle estimate:
- $600 to $1,500 per vehicle per year
- For-hire trucking estimate:
- $5,000 to $15,000 per vehicle per year
- Claimed saving:
- Up to 20% less than other insurers
Bottom line: biBERK is the cheapest-looking option for light business vehicles and the best pick for owners who want to buy online. Choose an agency carrier instead if you want enhanced coverage bundles or in-person service.
- 03
State Farm
8.5/10The largest US personal auto insurer also writes commercial auto for small businesses through its local agents.
- Free plan
- No
- Value (40%)
- 8.6
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.3
Best forSmall business owners who want a local agent and may already insure their home and personal cars with State Farm.
State Farm suits owners who want a person on the other end of the phone. Its commercial auto policies are sold and serviced by local agents, and the vehicle list covers the needs of most small businesses: cars, pickup trucks, box trucks, flatbeds, farm vehicles and vans. Coverage options include liability, medical payments, collision, comprehensive and uninsured motorist, and State Farm adds employers' non-owned and hired car coverage for staff who use their own or rented vehicles on the job. The standout tool is Drive Safe & Save Business, a program that helps owners track and improve employee driving habits, and State Farm offers free loss control resources aimed at common commercial auto claims. Florists, caterers, artisans, farmers and service contractors are among the customers it names. The downsides are transparency and speed: State Farm publishes no commercial auto price, and you will usually need an agent to finish a quote. For a household that already keeps its home and cars with State Farm, that agent relationship is the main draw.
- ✓Agents in local offices across the country
- ✓Telematics program built for business drivers
- ✓Easy to keep home, personal auto and business policies with one agent
- ✕No published commercial auto price
- ✕Quotes start with an agent rather than a full online purchase
- ✕Coverage and availability vary by state
- Buying channel:
- Local State Farm agents
- Telematics:
- Drive Safe & Save Business
- Vehicle types:
- Cars, pickups, box trucks, flatbeds, farm vehicles, vans
- Serving businesses since:
- 1935
Bottom line: State Farm is the best choice for owners who want a local agent and a telematics program for employee drivers. Get an online benchmark from Progressive or biBERK before you sign.
- 04
Insureon
8.3/10An online insurance agency that compares commercial auto quotes from several carriers in one application.
Price
$245per month (customer median)
Median of $245 a month for Insureon's small business customers
“The average cost of commercial auto insurance is $245 per month for Insureon's small business customers.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.5
- Features (35%)
- 7.8
- Ease of use (25%)
- 8.6
Best forSmall businesses that want several carrier quotes at once and a licensed agent to help pick limits.
Insureon is not an insurer but an online agency, and that is its value: one application can return commercial auto quotes from several carriers, and a licensed agent can help you choose. It publishes unusually detailed cost data drawn from the policies its customers buy. The median is $245 a month, annual premiums range from under $375 to over $16,000, 40% of customers pay less than $200 a month and another 29% pay between $200 and $400. It also breaks costs down by industry, with nonprofits at about $168 a month and real estate businesses at about $192. The profession list runs from IT consultants and house cleaners to box trucks, dump trucks and tow trucks. Because Insureon only places the policy, claims go to the carrier you pick, and the carriers on offer vary by state and industry. Use it when you want to compare prices without repeating the same application several times.
- ✓Comparison shopping without filling out several applications
- ✓Transparent customer cost data: 40% pay under $200 a month
- ✓Agents help explain limits such as $1 million per occurrence
- ✕It is an agency, so claims are handled by whichever carrier you choose
- ✕Carrier choice depends on your state and business type
- ✕Median price is higher than biBERK's light-use estimate
- Type:
- Online insurance agency
- Median premium:
- $245 a month
- Customers under $200 a month:
- 40%
- Annual premium range:
- Under $375 to over $16,000
Bottom line: Insureon is the fastest way to compare several carriers at once. It ranks below the direct insurers because service after the sale depends on the carrier you choose.
- 05
Erie Insurance
8.2/10A regional insurer sold through independent agents whose business auto policy includes several extras at no added cost.
- Free plan
- No
- Value (40%)
- 8.4
- Features (35%)
- 8.6
- Ease of use (25%)
- 7.5
Best forBusinesses in Erie's operating states that want generous built-in extras and an independent agent.
Erie Insurance stands out for what it includes without charging extra. Its business auto policy adds coverage for daily earnings lost while you help ERIE with an accident investigation, legal fees if you are arrested after an accident, bail bonds, the cost of returning a stolen vehicle and replacing a deployed air bag. Owners who want more can add the Business Auto Enhancement bundle, which ERIE says costs less than buying each piece on its own. It brings blanket additional insured status, up to $200 a day of business interruption coverage, hired auto physical damage up to $100,000 on an excess basis, $50,000 of worldwide medical evacuation, an extra $65 a day of rental reimbursement and full replacement cost for a new scheduled vehicle totaled within 90 days of purchase. Agents also connect business policyholders with risk control consultants. The catch is reach: ERIE sells only in its states of operation, it publishes no price, and every policy goes through an agent.
- ✓Most generous no-cost extras on this list
- ✓Enhancement bundle priced below buying each coverage separately
- ✓Risk control help included for business customers
- ✕Sold only in Erie's states of operation
- ✕No published price
- ✕Requires working with an agent
- Buying channel:
- ERIE agents
- Business interruption (enhancement):
- Up to $200 a day
- Extra rental reimbursement (enhancement):
- $65 a day
- Worldwide hired auto (enhancement):
- Up to 45 days
Bottom line: Erie is the best coverage-per-dollar pick if your business is in one of its states. Elsewhere, look at Travelers or State Farm for agent-led coverage.
- 06
Travelers
8.1/10A large commercial insurer selling business auto and fleet coverage through independent agents.
- Free plan
- No
- Value (40%)
- 7.9
- Features (35%)
- 8.7
- Ease of use (25%)
- 7.6
Best forGrowing fleets and businesses that want enhanced coverage options through an independent agent.
Travelers fits businesses that are outgrowing a simple one-vehicle policy. Its commercial auto policies provide liability limits of up to $1 million and physical damage coverage for vehicles you own, lease, hire or borrow, and they can extend to employees who use personal vehicles for work. The Select Auto CoveragePlus package adds enhancements such as auto lease gap coverage, which pays the difference between the loan balance and the vehicle's cash value after a total loss, and employee hired auto coverage. Travelers also runs industry-specific programs for sectors including the public sector and oil and gas, offers a roadside assistance coverage, and publishes driver and fleet safety guidance for risk managers. All of this is sold through independent agents, who can bundle auto with property, liability and workers compensation. That is a strength for a company with ten trucks and a drawback for a sole trader with one van: there is no online purchase and no published price.
- ✓Broad enhancement package for leased and hired vehicles
- ✓Fleet safety resources from a large commercial insurer
- ✓Independent agents can package auto with other business coverage
- ✕No online purchase or published price
- ✕Agent-only process is slower for a single van
- ✕Strengths are aimed more at fleets than sole owners
- Buying channel:
- Independent agents
- Liability limits:
- Up to $1 million
- Enhancement package:
- Select Auto CoveragePlus
- Industry programs:
- Public sector, oil and gas
Bottom line: Travelers is a strong choice for growing fleets that lease vehicles and want enhancements through an agent. Smaller operators will usually find faster and cheaper quotes elsewhere.
- 07
Allstate
7.8/10Allstate's business insurance line covers company cars, trucks, vans and specialty vehicles through agents and by phone.
- Free plan
- No
- Value (40%)
- 7.8
- Features (35%)
- 7.9
- Ease of use (25%)
- 7.8
Best forAllstate customers and small businesses that want to quote commercial auto by phone or through a local agent.
Allstate is a sensible quote for owners who already have a personal policy or an agent with the company. Its commercial auto line covers company cars, trucks, vans and specialty vehicles, with the core coverages in place: bodily injury and property damage liability, collision, comprehensive, uninsured and underinsured motorist, and rental car coverage that keeps a business moving while a company vehicle is in the shop. Allstate names delivery services, contractors and businesses with fleets as the main buyers, and it sells commercial property, general liability and errors and omissions alongside auto. Quotes come by phone through a dedicated business line or through a local agent. Allstate is also clear about gaps: contents inside the vehicle, accidents when an employee drives a personal car for business, and repairs to a rental vehicle are not covered by the standard policy. Compared with Progressive or State Farm, the online information on discounts and telematics for business drivers is thin, and there is no published price.
- ✓Familiar brand with local agents
- ✓Phone quote line dedicated to business auto
- ✓Can sit alongside Allstate commercial property and general liability
- ✕No published commercial auto price
- ✕Online page offers little detail on discounts or telematics for business
- ✕Employees driving personal vehicles for work need separate coverage
- Buying channel:
- Phone and local agents
- Quote line:
- 855-750-6625
- Vehicles:
- Cars, trucks, vans, specialty vehicles
- Rental coverage:
- Available
Bottom line: Allstate is worth a quote for existing customers who want to keep policies together. It trails the leaders on published detail and business-specific savings tools.
- 08
Liberty Mutual
7.6/10Liberty Mutual's business insurance unit writes commercial auto and fleet programs for mid-size and large companies through agents and brokers.
- Free plan
- No
- Value (40%)
- 7.4
- Features (35%)
- 8.3
- Ease of use (25%)
- 6.9
Best forCompanies with larger fleets that want underwriting tailored to their industry and help with fleet safety.
Liberty Mutual belongs on the list for the small fleet that is becoming a mid-size one. Its commercial auto and fleet unit covers liability, physical damage, bodily injury and uninsured motorists, and its underwriters tailor programs to the industry, fleet, location and how vehicles are used. The selling point is risk control: Liberty Mutual's specialists help companies develop fleet safety programs, hire qualified drivers, set policies for distracted driving and personal vehicles, and use telematics to identify unsafe driving. For a company running a dozen delivery vans or service trucks, that help can matter more than a small premium difference, because fewer crashes mean lower premiums later. The flip side is that this unit is aimed at mid-size and larger businesses. It sells through agents and brokers, publishes no price and has no online quote, so a sole trader with one pickup will get a faster answer from Progressive or biBERK.
- ✓Tailored underwriting for larger fleets
- ✓Risk control support on fleet safety and telematics
- ✓Can combine auto with other commercial lines
- ✕Built for mid-size and large businesses, not one-van owners
- ✕No online quote or published price
- ✕Sold through agents and brokers only
- Focus:
- Mid-size and large fleets
- Buying channel:
- Agents and brokers
- Risk control:
- Fleet safety programs, telematics guidance
- Published price:
- None
Bottom line: Liberty Mutual is the pick for growing fleets that want tailored underwriting and hands-on safety help. It is too heavyweight for most one or two vehicle businesses.
- 09
The Hartford
7.6/10A long-standing small business insurer that offers commercial auto through agents and refers online small business buyers to its partner Tivly.
Price
$574per month (customer average)
Customer average of about $574 a month, or $6,884 a year
“On average, commercial auto insurance costs our customers $574 a month or $6,884 a year.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 7.3
- Features (35%)
- 8.2
- Ease of use (25%)
- 7.4
Best forBusinesses already insured with The Hartford for workers compensation or a BOP that want auto through the same agent.
The Hartford is a big name in small business insurance, with more than 200 years in business and over 1.3 million small business customers, and its commercial auto coverage list is broad. Beyond the standard liability, collision, comprehensive, medical payments, PIP and uninsured motorist coverages, it offers drive other car coverage for executive officers and their spouses, rental car liability and hired and non-owned auto coverage, and it says its policies include expanded protections at no extra cost. Vehicle types include cars, cargo vans, pickups, box trucks and service utility trucks, and a separate program serves mid-size and large fleets. Two points hold it back on this list. The Hartford says it does not currently offer commercial auto online for small businesses and sends online shoppers to its partner Tivly or a local agency. And its published customer average is $574 a month, or $6,884 a year, the highest figure here, likely reflecting larger or higher-risk accounts.
- ✓More than 200 years in business and over 1.3 million small business customers
- ✓Drive other car coverage is uncommon among small business carriers
- ✓Publishes its customer average premium
- ✕Does not currently sell commercial auto online to small businesses; online buyers are referred to Tivly
- ✕Highest published customer average on this list at $574 a month
- ✕Tools inside the vehicle are not covered without a BOP
- Average customer premium:
- $574 a month ($6,884 a year)
- Small business customers:
- 1.3 million plus
- Online purchase:
- No, referred to partner Tivly
- Years in business:
- 200 plus
Bottom line: The Hartford makes sense if you already buy workers compensation or a BOP from it through an agent. Small businesses shopping online will find easier and cheaper routes elsewhere.
- 10
SmartFinancial
7.4/10An insurance shopping service that collects commercial auto quotes from multiple insurers for small businesses.
Price
Customper month (market range)
No own price; it puts the market range at under $100 to over $1,000 a month
“The average cost of commercial auto insurance may range from less than $100 per month to more than $1,000 per month, depending on a variety of cost factors.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 7.6
- Features (35%)
- 6.8
- Ease of use (25%)
- 8.0
Best forOwners who want quotes from several insurers without filling out each carrier's form.
SmartFinancial is a shopping tool rather than an insurer. You fill in one form about your business and vehicles, and it gathers commercial auto quotes from several insurers, which saves time if you would otherwise visit each carrier's site in turn. Its cost guide is useful reading before you start: it puts the average commercial auto premium anywhere from less than $100 a month to more than $1,000 a month, notes that semi-truck owner-operators often pay $9,000 to $15,000 a year for liability alone, and explains how combined single limits of $500,000 to $1 million work. It also recommends collecting quotes from about three to five insurers, which is exactly what the service is built to do. The limits are the usual ones for a comparison service: you will likely hear from several insurers or agents after you submit, it publishes no price of its own, and claims service depends entirely on the carrier you end up choosing.
- ✓Quick way to gather several quotes
- ✓Clear guides on what drives commercial auto prices
- ✓Free to use
- ✕Not an insurer, so price and service depend on the carrier you choose
- ✕Expect follow-up contact from insurers and agents
- ✕Publishes market ranges, not its own price
- Type:
- Insurance comparison service
- Market range it cites:
- Under $100 to over $1,000 a month
- Cost to use:
- Free
- Lines:
- Commercial, auto, home, life, health
Bottom line: SmartFinancial is a handy way to collect a batch of commercial auto quotes. Use it alongside a direct quote from Progressive or biBERK rather than instead of one.
What to check before you pay
Check whether you need a commercial policy at all
Most personal auto policies exclude business use, as Travelers points out. If a vehicle is owned or leased by the business, carries tools or goods, or is driven by employees for work, quote a commercial policy. If staff only drive their own cars on errands, hired and non-owned auto coverage may be enough.
Pick liability limits for a serious crash
Commercial policies often use a combined single limit of $500,000 to $1 million per occurrence, and Insureon explains a common $1 million per occurrence and $2 million aggregate structure. Clients and general contractors often require proof of a minimum limit, so ask them before you buy.
Use published averages as a yardstick
Progressive's 2025 customer averages were $260 a month for contractor autos and $276 for business autos. Insureon's customer median is $245 a month, and 40% of its customers pay under $200. The Hartford's customers average $574 a month. If your quote is far above these, keep shopping.
Ask about telematics and bundles
Progressive says new customers save an average of 9% with Snapshot ProView, and State Farm offers Drive Safe & Save Business for employee drivers. Bundling a BOP or general liability with the same insurer can earn a multi-policy discount.
Remember what auto insurance does not cover
The Hartford and Allstate both note that tools and contents inside the vehicle are not covered by commercial auto. Insure equipment with a BOP or inland marine policy, and confirm rental reimbursement if a van off the road would stop your work.
FAQ
What is the best company for commercial car insurance?
Progressive Commercial is the best commercial auto insurer for most businesses in 2026. It is America's No. 1 commercial auto insurer by the SNL Financial Q3 2025 report, insures cars, vans, pickups, trucks and trailers, and published 2025 averages of $260 a month for contractor autos. biBERK is the best value for light use, and State Farm is best if you want a local agent.
Which insurance is best for a commercial car or van?
For a single business car or van, compare Progressive Commercial and biBERK first. biBERK estimates $600 to $1,500 per vehicle per year for commuter or consultant use of smaller vehicles, while Progressive's business auto customers averaged $276 a month in 2025. If you want an agent, add State Farm or Erie.
How much does commercial auto insurance cost per month?
It depends on the vehicles and the work. Insureon's small business customers pay a median of $245 a month, Progressive's 2025 averages ran from $260 for contractor autos to $926 for for-hire transport trucks, and The Hartford's customers average $574 a month.
Can I buy commercial auto insurance online?
Yes. Progressive Commercial quotes online in as little as 7 minutes and biBERK sells direct online. Insureon and SmartFinancial collect quotes from several carriers online. The Hartford does not currently sell commercial auto online to small businesses.
Does commercial auto insurance cover tools in my van?
No. The Hartford and Allstate both say contents inside the vehicle are not covered by a commercial auto policy. Cover tools and equipment with a business owner's policy or inland marine coverage.
Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.
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