Compare Commercial Car Insurance: Rates, Discounts, & Requirements [2025]

Commercial car insurance is vital coverage for large and small businesses. You’ll need to buy this car insurance coverage type if your business uses a car, van, or truck for commercial purposes.

Take care of business by entering your ZIP code and comparing commercial car insurance quotes now.

Commercial Car Insurance Coverage Guidelines

You’ll need to get commercial auto insurance for your business vehicles if you own, rent, or lease them for commercial use, and they get used by more than one driver. If you have many employees using their own cars for commercial business purposes, you’ll need to purchase liability car insurance coverage.

While comparing commercial car insurance quotes and researching different coverage types, there are many things to consider.

Take a look at the table below if you’re having difficulty deciding whether you need commercial car insurance vs. personal coverage:

Personal vs. Commercial Car Insurance Coverage Situations

As you can see, you must purchase a commercial car insurance policy when using your vehicle for any business-related activities, such as delivering to customers and transporting passengers.

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Commercial Car Insurance Coverage Types

Various types of commercial car insurance coverage could be beneficial for your business. However, you must weigh the cost of each commercial car insurance policy vs. the benefits.

So, how much car insurance do you need for your business? Before purchasing a commercial car insurance coverage policy, you must ensure the coverage is necessary for you and your business.

Relevant commercial car insurance policies might include liability for each driver. Other commercial car insurance policies might include comprehensive coverage and collision damage for each car used for business purposes.

You could also consider provision coverage for your commercial car insurance policy. With this coverage, your insurer covers any lost goods or inventory, but it only pertains to products associated with your business. Also, the items must have been in the lost car, including any business-related cargo or tools.

Read more: Compare Business Owner Car Insurance Rates

Commercial Car Insurance Add-ons

There are also various commercial auto insurance add-ons for business vehicles. A few of the following commercial auto insurance policies will cost extra:

• Cargo coverage
• Medical payments
• Tool and equipment coverage
• Business interruption coverage
• Crime insurance
• Umbrella coverage
• Rental car reimbursement coverage

As you can tell, you have a lot of decisions to make when it comes to finding the best commercial car insurance companies for your business. Start with a ZIP code and compare cheap commercial car insurance quotes from the best companies.