Commercial auto insurance for the vehicles that do your work
Pick your vehicle type to continue to a national commercial insurer's secure site and start your quote online. No forms here. We never ask for your name, phone or email.
What kind of work vehicle do you need to insure?
Free to use, no obligation. Your quote comes from the insurer on its own website. We may be paid when you visit it.
What to have ready
- Your business name, address and how long you've been in business.
- Each vehicle's year, make and model, or the VIN.
- Driver's license details for everyone who drives for work.
- How the vehicles are used (job sites, deliveries, hauling, towing) and roughly how far they travel.
- Your USDOT or MC number if you have one (common for box trucks, tow trucks and for-hire hauling).
What commercial auto insurance covers
Commercial auto insurance covers vehicles your business owns or uses for work. Common coverages include:
- Liability: injuries or damage you cause to others while driving for work. Most states set a minimum.
- Physical damage: collision and comprehensive coverage for your own vehicle.
- Uninsured or underinsured motorist: protection if the other driver has too little coverage.
- Hired and non-owned auto: for rented vehicles or employees' own cars used for business.
- Tools, equipment and cargo: often added separately, so ask what's included.
Tips by vehicle
- Pickups and vans: mention ladder racks, shelving, toolboxes and any trailer you tow.
- Box trucks: have the gross vehicle weight (GVW) and your USDOT number ready.
- Food trucks: ask how kitchen equipment is covered while parked and while driving.
- Tow and dump trucks: ask about on-hook or cargo coverage and any state filings you need.
- Fleets: a list of all VINs and drivers saves time.
Common questions
Does my personal auto policy cover work use?
Often not fully. Many personal policies limit or exclude business use such as hauling for pay, deliveries, or carrying tools and equipment. Check your policy or ask the insurer.
Who provides the quote?
A national commercial insurer, on its own website. We don't see or store anything you enter there.
Does it cost anything to use this site?
No. This guide is free and there's no obligation to buy. We may be paid when you visit our partner's site, and that doesn't change the price you're quoted.
Why don't you ask for my details?
We don't need them. You pick a vehicle type and go straight to the insurer, who handles the quote.