Best Commercial Auto Insurance

Best Commercial Auto Insurance

The best commercial auto insurance providers in 2025 distinguish themselves by offering comprehensive coverage options, competitive pricing, strong financial stability, and excellent customer service tailored to the needs of businesses that rely on vehicles for their operations. Whether small businesses, fleets, or specialized trucking operations, these insurers provide policies that protect against liability, physical damage, medical expenses, and uninsured motorist risks, along with value-added services.

Top Commercial Auto Insurance Companies in 2025

Progressive (Best Overall)

Progressive is the leading commercial auto insurer by premiums written and is widely recognized for its extensive coverage options and innovative features. It offers a variety of discount programs and usage-based insurance that can lower costs while promoting driver safety. Progressive is highly rated for claims service and customer experience, making it the top choice overall for commercial auto insurance.^1

Travelers

Travelers is a major player with a strong reputation for financial strength and comprehensive business insurance products, including commercial auto. Their policies include standard liability, collision, comprehensive, and optional coverage endorsements to tailor protection for diverse business needs. Travelers is known for robust risk management resources.^1

Old Republic Group

Old Republic specializes in commercial auto insurance, with an emphasis on trucking and specialty vehicle coverage. Their offerings include broad liability protection and specialized endorsements for unique business vehicle uses. Old Republic’s market niche includes large carriers and fleets requiring customized solutions.^1

Liberty Mutual

Liberty Mutual provides comprehensive commercial auto insurance with strong coverage variety and add-ons such as rental reimbursement and roadside assistance. It offers risk control services alongside insurance policies, ideal for businesses looking to reduce accidents and costs.^1

Nationwide (Runner-Up)

Nationwide is highly regarded for its specialized commercial auto insurance programs, including real-time driver monitoring through its Vantage 360 Fleet program, which can result in significant discounts. Known for financial strength and a broad network of agents, Nationwide provides reliable coverage for fleets of all sizes.^2

biBERK (Best for High-Risk Drivers)

biBERK, backed by Berkshire Hathaway, offers direct online commercial auto policies with competitive pricing and financial stability. It is a good choice for high-risk drivers and smaller commercial clients looking for an online, streamlined experience.^2

The Hartford

The Hartford is noted for its comprehensive commercial auto coverage paired with outstanding customer service and claims responsiveness. Their policies cover a wide range of vehicles and provide extensive endorsements such as drive-other-car coverage.^4

NEXT Insurance (Best for Small Businesses)

NEXT Insurance specializes in commercial insurance for small businesses and the self-employed, with an easy online purchasing process. It offers tailored commercial auto policies with good financial ratings and strong customer service.^2

What Makes the Best Commercial Auto Insurance?

  • Coverage Flexibility: Ability to customize policies with liability, collision, comprehensive, medical payments, uninsured motorist, rental reimbursement, and roadside assistance.
  • Financial Strength: Insurers with high credit ratings like A++ or A+ from agencies such as AM Best ensure reliable claims payments.
  • Discounts and Savings: Usage-based insurance, safe driver programs, fleet monitoring, and bundling discounts help reduce premiums.
  • Claims Service: Fast, fair claims processing and 24/7 customer support are critical for minimizing business disruption.
  • Digital Tools: Online quoting, policy management, and telematics apps enhance the user experience.
  • Specialized Expertise: Ability to serve industries like trucking, delivery, contractors, and fleet operators with niche coverage options.^3^2

Summary

In 2025, Progressive emerges as the best overall commercial auto insurance provider given its comprehensive coverage and nationwide presence. Travelers, Old Republic, Liberty Mutual, and Nationwide also offer strong products tailored to different business needs. For high-risk drivers and small businesses, biBERK and NEXT Insurance stand out with specialized offerings. The best commercial auto insurance companies combine affordability, robust coverage, excellent customer service, and financial stability to protect businesses and keep their operations moving smoothly.The best commercial auto insurance providers in 2025 are those that offer comprehensive coverage options, competitive prices, strong financial ratings, and excellent customer service tailored to business vehicle needs. Top insurers include Progressive, Travelers, Old Republic, Liberty Mutual, Nationwide, biBERK, The Hartford, and NEXT Insurance.^3^2

Progressive leads the market with broad coverage choices, usage-based insurance discounts, and strong nationwide presence, making it the best overall choice. Travelers and Liberty Mutual provide solid coverage with additional risk management services, while Old Republic specializes in trucking and specialized vehicles. Nationwide offers real-time driver monitoring programs. biBERK is great for high-risk drivers due to its affordable online platform backed by Berkshire Hathaway. NEXT Insurance focuses on small businesses and self-employed individuals with tailored, easy-to-manage policies. The Hartford is known for comprehensive coverage and outstanding claims service.

The best commercial auto insurance companies combine flexible policies covering liability, collision, comprehensive, medical payments, uninsured motorists, rental reimbursement, and roadside assistance with good financial strength, discounts, digital tools, and specialized industry expertise. This ensures businesses get reliable protection and efficient claims handling to keep their operations running smoothly.^4^2 ^10^6^8

Location: Pleasant Grove, UT, USA

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