Commercial Auto Insurance - Get a Free Quote (2024)

Find the right commercial auto insurance for your business.

Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business, including cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.

Get your free online commercial auto insurance quote from GEICO today if you use your vehicle(s) for business purposes. With over 70 years of experience, we are dedicated to offering specialized coverage that suits your business at an affordable price.

No matter the size of your business, we'll customize a policy specifically for you.

What is commercial auto insurance?

Commercial auto insurance covers business vehicles for things like:

Damage to your vehicle(s)
Driver injury
Injury to someone else
Damage to someone else's property

Commercial auto policies usually offer higher coverage limits than personal policies; this is because business vehicles require greater protection in the event of accidents.

Commercial auto insurance is similar to a personal auto insurance policy. It covers liabilities, collisions, comprehensive, medical payments (or personal injury protection), and uninsured motorists. Note that there are differences between a commercial auto insurance policy and personal auto insurance policy. These differences include eligibility, definitions, coverages, exclusions, and limitations.

What type of vehicles are covered by commercial auto insurance?

Cars
Vans
Pickup trucks
Box trucks
Service utility trucks
Food trucks

We currently don't offer insurance for semi-trucks and tractor-trailers.

Who needs commercial auto insurance?

If you or your employees use your vehicle as part of your business, you need a commercial auto policy. We often cover vehicles used by:

Electricians, plumbers, and HVAC professionals
Carpenters, painters, and other contractors
Landscapers and plow services
Caterers and food vendors
Other business types, like real estate and sales

If you drive for Uber, Lyft, or another ridesharing platform, you need rideshare insurance instead. GEICO can help you get an insurance policy with the right coverage at a great price. Start your insurance quote by calling GEICO at 866-904-5657. Agents are available Mon-Fri 9:00 AM-9:00 PM (ET).

Without commercial auto insurance, you risk:

Limited or no coverage for accidents while using your vehicle for business
Paying out of pocket for repairs, injuries, and more
Losing your personal auto coverage

Getting a commercial auto insurance quote can be the first step in protecting you and your business. GEICO Commercial Auto Insurance covers your vehicle 24/7. That means whether you're working or not, your vehicle is protected!

Why GEICO for commercial auto insurance? Savings, service, and experience.

GEICO commercial auto insurance comes with outstanding service, flexible ways to manage your policy, and competitive rates.

Outstanding service

Whatever your needs are, our commercial experts can help you with things like:

Adding or removing vehicles
Updating drivers
Adjusting coverage limits
Adding insurance coverages like general liability
Reporting and tracking claims

Online Policy Access

You can easily manage your commercial auto policy online. Log into your policy and you can:

Make payments
Enroll in autopay
View payment history
Check installment schedules
Get ID cards or proof of insurance

Competitive Rates

We realize not all businesses are alike. GEICO's Commercial Auto policy gets you the best protection for your business at the best price for your budget. We'll help you with selecting:

Coverage types
Coverage limits and deductibles
Vehicles
Drivers

Need to speak with us?

You can get a commercial insurance quote by calling (866) 509-9444

Mon – Fri

8:00 AM – 9:00 PM (ET)
Sat

9:00 AM – 5:30 PM (ET)

Commercial Auto Insurance FAQs: Get the answers you're looking for.

What does commercial auto insurance cover?

In terms of coverage, commercial auto insurance is similar to personal auto insurance, but there are some differences, such as eligibility, definitions, coverages, exclusions, and limits. Find out what makes commercial auto insurance different, why you need it, what coverages are available, and more here.
Are tools and materials in my vehicle covered under a commercial auto policy?

A commercial auto insurance policy does not cover tools and materials transported in your vehicle unless they are attached to it. In some cases, a business owner's or general liability policy may cover them.
If I have commercial auto insurance, who is covered to drive my commercial or business vehicle?

Your commercial auto policy could cover employees, family members, and others as drivers. Delve deeper and learn more about our business car insurance.
What if I need certain liability limits for a contract?

We can help with your policy liability limits questions and documentation needs. Look here to learn more about liability limits, and get more information about GEICO's commercial auto insurance.
Is my trailer automatically covered under my commercial auto policy?

Depending on the size of the trailer and the policy, coverage will vary. Liability coverage is automatic for trailers weighing under 3,000 pounds, while physical damage coverage requires the trailer to be listed on the policy. Unless listed on the policy, trailers weighing more than 3,000 pounds or having multiple axles are not covered. Learn more about insuring a business vehicle, including trailers.
What types of businesses are eligible for commercial vehicle insurance?

Various types of businesses are eligible for commercial vehicle insurance, including but not limited to transportation and delivery services, construction companies, retail businesses with delivery vehicles, and professional services that require vehicles for operations.
What other types of business insurance does GEICO offer?

In addition to business auto insurance, GEICO offers a full line of business products you can review here.
Is commercial vehicle insurance required?

Generally, vehicles used for purposes related to the operator's occupation, profession, or business require a commercial policy. This does not include commuting.

FAQs

Why is my commercial insurance quote so high? ›

Rates are often determined by your industry, level of experience, income, location, and more. But that doesn't mean there's nothing you can do. Your first step should be to use an independent insurance agent when shopping around for commercial insurance coverage.

Read On ›

Why is commercial vehicle insurance so expensive? ›

Typically, commercial auto insurance will cost more than personal auto insurance because it protects you against more expensive risks and provides a higher level of coverage.

Discover More Details ›

Which insurance company says surprisingly great rates? ›

Surprisingly Great Rates - State Farm®

Is commercial auto insurance tax deductible? ›

How can I deduct car insurance on my taxes? If you qualify, you can either (1) deduct all your business-related vehicle expenses, including your car insurance premiums, or (2) deduct an amount based on the actual miles you drove for your business using a cents-per-mile rate.

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What is the difference between commercial and business auto insurance? ›

The most evident difference between business insurance and commercial auto policies involves how work-related vehicles are used are used. Business auto insurance covers vehicles used for trips through regular traffic, whereas commercial auto insurance covers specialized vehicles designed for specific jobs.

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What does having 80/20 coverage mean? ›

Simply put, 80/20 coinsurance means your insurance company pays 80% of the total bill, and you pay the other 20%. Remember, this applies after you've paid your deductible.

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Does the color of the vehicle affect insurance rates? ›

The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates. Learn more about the factors that impact auto insurance pricing.

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Does credit score affect car insurance? ›

On average, drivers with poor credit pay 115 percent more for full coverage car insurance than those with excellent credit. California, Hawaii, Massachusetts and Michigan prohibit or limit the use of credit as a rating factor in determining auto insurance rates.

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What type of driver generally pay more? ›

Your Vehicle Usage

Those who drive less than 12,000 or 10,000 miles per year, on the other hand, are often eligible for lower rates. A driver with a daily commute usually pays higher premiums than someone who only drives for pleasure.

Which gender pays more for car insurance? ›

Why do men pay more for auto insurance? Men pay more for auto insurance on average because they're statistically more likely to get into accidents and to have major injuries. However, male drivers only pay about $51 more per year than their female counterparts on average.

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Why have commercial insurance rates gone up? ›

Why are insurance prices out of control? It's a combination of bad luck and bad policy. California's vulnerability to natural disasters like wildfires exacerbates the issue. But rising retail theft is also driving up costs, leaving businesses in a lurch.

Read The Full Story ›

Why is commercial truck insurance so high? ›

Trucks can cause a lot of damage if involved in a collision. Trucks are also quite expensive to repair, so they cost more to cover. Plus, large trucks may haul costly cargo, which needs to be insured during transit.

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How is commercial insurance calculated? ›

Typically, insurance premiums for commercial properties are set by multiplying the value of the building and its contents by a value that correlates to level of risk. Most of the time, properties with high risk have higher property insurance rates, while lower risk properties cost less to insure.

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Why do I keep getting high insurance quotes? ›

If you notice your car insurance keeps going up each time you renew, it could be from rising car insurance rate trends over time. These are often caused by factors outside your control, like increases in the costs to repair and replace vehicles or increases in claims and claim severity in your area.