Best Commercial Auto Insurance For Small Business

NEXT delivers the perfect balance of affordability and coverage, earning our top overall score. At $293 monthly per vehicle, NEXT offers the lowest rates across all coverage types while providing solid protection for small businesses. The 7% savings translates to $268 annually per vehicle compared to industry averages.

The fully digital platform means instant quotes, 10-minute policy issuance, and 24/7 management from your phone or computer. While agent support is limited compared to legacy insurers, NEXT's tech-forward approach works brilliantly if you value speed, convenience, and keeping costs low without compromising on essential coverage.

NEXT ranks first for affordability with the most competitive rates in our study. At $293 monthly per vehicle, small business owners save significantly compared to industry averages for commercial auto insurance coverage. This represents real annual savings of $268 per vehicle while maintaining comprehensive protection.

The digital-first model eliminates traditional overhead costs, allowing NEXT to pass savings directly to customers. You get reliable coverage with flexible payment options and no hidden fees, making it the ideal choice for budget-conscious businesses seeking maximum value for their commercial auto insurance.

NEXT ranks in the middle for overall customer experience, excelling in digital convenience but offering less traditional support. The platform's instant quoting, 10-minute policy issuance, and intuitive mobile app score high with tech-savvy business owners.

Claims processing receives solid ratings at 4.3/5, with straightforward digital filing and reasonable turnaround times. However, customers seeking extensive agent interaction may find the digital-first approach limiting.

External reviews back this up. Trustpilot reviews highlight the platform's speed and ease of use, though some users mention challenges reaching support during complex claims. Better Business Bureau feedback echoes this pattern: praise for affordability and convenience, occasional concerns about response times for specialized questions.

Commercial auto insurance from NEXT provides comprehensive protection for business vehicles with customizable liability limits. Coverage includes liability protection, collision, comprehensive, uninsured/underinsured motorist coverage, and medical payments.

Customization options include hired and non-owned auto liability for employees using personal vehicles for business, rental reimbursement, and roadside assistance. Additional driver coverage and fleet discounts are available for businesses with multiple vehicles. The platform allows you to adjust deductibles and coverage limits to match your budget while ensuring adequate protection for your commercial vehicles.

The Hartford offers outstanding value for businesses with large fleets and those prioritizing superior claims service. With the highest coverage quality score (4.98/5) and customer experience score (4.58/5), The Hartford delivers top-tier protection backed by over 200 years of experience. Its A+ Superior AM Best rating and first-place claims processing mean you can trust it'll pay when you file a claim.

At $315/month average, you're paying near-market rates but receiving dedicated fleet specialists, accident forgiveness programs, and 24/7 commercial-focused claims support. Although its digital platform isn't as advanced as newer competitors, The Hartford's agent-supported approach works brilliantly if you value financial strength, proven claims expertise, and personalized fleet management over the latest online features.

The Hartford ranks first for large fleet coverage with specialized programs designed for businesses managing multiple vehicles. Dedicated fleet specialists work directly with you to customize policies, manage risk, and optimize coverage across your entire fleet. You'll get access to accident forgiveness programs that protect your rates even after claims, and flexible deductible options that can vary by vehicle type or driver.

Fleet management tools include driver safety training programs, telematics integration for monitoring vehicle usage, and comprehensive loss control services. The Hartford's experience with commercial fleets means they understand the unique challenges of managing multiple vehicles, from different vehicle types to varying usage patterns across your business operations.

The Hartford earns the highest customer experience score (4.58/5) with industry-leading claims service. When you file a claim, you'll be assigned a commercial-focused adjuster who understands business vehicle claims and works to minimize your downtime. The 24/7 claims support means help is always available when accidents happen, whether during business hours or after-hours emergencies.

Claims processing ranks first in our study at 4.5/5, with comprehensive in-house adjusters who handle everything from minor fender benders to total losses. The Hartford's reputation for paying claims fairly and quickly is backed by over 200 years of experience and its A+ Superior AM Best rating.

Commercial auto insurance from The Hartford provides comprehensive protection for business vehicles with the highest coverage quality in our study. Standard coverage includes liability protection up to high limits, collision, comprehensive, uninsured/underinsured motorist coverage, and medical payments. 

Fleet-specific options include accident forgiveness programs, new vehicle replacement coverage, and diminishing deductibles for claim-free years. The Hartford also offers bundling options when you combine commercial auto with other business insurance policies.