MoneyGeek ranked the top commercial auto insurers based on rates, coverage options, and customer satisfaction. ERGO NEXT ranks first overall with the lowest rates, while The Hartford leads in customer experience and coverage quality.
Best Commercial Auto Insurance for Small Business
ERGO NEXT earned our top score for best commercial auto insurance, offering good coverage options and a strong customer experience.
Get matched to the best commercial auto insurer for your business below.
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Updated: January 28, 2026
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Best Commercial Auto Insurance: Key Takeaways
ERGO NEXT, The Hartford and Nationwide top our rankings for best commercial auto insurance coverage and customer experience.
The best provider for your small business depends on state, industry, vehicle type, and fleet size. See our comparison tables for specific picks.
Compare commercial auto insurers by affordability, customer experience and coverage quality to find the best fit for your business.
Finding affordable commercial auto insurance that covers your business vehicles shouldn't feel like guesswork. We analyzed rates from major insurers to identify which companies offer small businesses the best value through low premiums, solid coverage, and reliable claims service.
Best Commercial Auto Insurance Companies
| ERGO NEXT | 4.60 | 1 | 5 | 2 |
| The Hartford | 4.55 | 2 | 1 | 1 |
| Nationwide | 4.40 | 3 | 2 | 4 |
| biBERK | 4.36 | 5 | 3 | 3 |
| GEICO | 4.22 | 4 | 4 | 5 |
Data Source
Based on MoneyGeek's October 2025 analysis of commercial auto insurance quotes for small businesses with one to five vehicles, 100/300/100 Liability Insurance with $1,000 deductible for Comp and Collision, and clean driving records. Rates are averages and may vary.
Get Matched With The Best Commercial Auto Insurance Provider
Find the right commercial auto insurance provider for your business.
Industry
State
ERGO NEXT
Best Overall, Cheapest Rates
MoneyGeek Rating
4.6/ 5
4.7/5Affordability
4.3/5Customer Experience
4.9/5Coverage Points
Average Cost of Commercial Auto
$293/monthAverage monthly premium based on our analysis of commercial auto insurance quotes across multiple business types and vehicle classificationsOur Survey: Claims Process
4.3/5Customer rating of claims filing and handling experienceOur Survey: Likely to Recommend to Others
4.4/5Customer rating of likelihood to recommend this insurer to others.
The Hartford
Best for Large Fleets, Best Claims Service
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
5/5Coverage Points
Average Cost of Commercial Auto Insurance
$315/monthAverage monthly premium based on our analysis of commercial auto insurance quotes across multiple business types and vehicle classificationsOur Survey Ratings: Claims Process
4.5/5Customer rating of claims filing and handling experienceLikely to Recommend to Others
4.5/5Customer rating of likelihood to recommend this insurer to others
Disclaimer
Scores based on MoneyGeek's weighted methodology evaluating affordability, customer experience, and coverage quality. Survey data from MoneyGeek's October 2025 customer survey (n=X respondents). See Our Methodology for details.
Best Commercial Auto Insurance Companies by State
ERGO NEXT tops our rankings for best commercial auto insurance in 31 states. The Hartford leads in 11 states across multiple regions. Nationwide wins in six states, mainly in the Midwest, while GEICO takes Maryland and New Jersey.
| Alabama | The Hartford | 1 | 1 | 1 |
| Alaska | ERGO NEXT | 1 | 2 | 2 |
| Arizona | ERGO NEXT | 1 | 3 | 2 |
| Arkansas | The Hartford | 1 | 1 | 1 |
| California | ERGO NEXT | 1 | 4 | 2 |
| Colorado | ERGO NEXT | 1 | 4 | 2 |
| Connecticut | ERGO NEXT | 1 | 3 | 2 |
| Delaware | The Hartford | 1 | 1 | 1 |
| Florida | ERGO NEXT | 1 | 4 | 2 |
| Georgia | ERGO NEXT | 1 | 4 | 2 |
| Hawaii | ERGO NEXT | 1 | 2 | 2 |
| Idaho | ERGO NEXT | 1 | 3 | 2 |
| Illinois | ERGO NEXT | 1 | 4 | 2 |
| Indiana | ERGO NEXT | 1 | 4 | 2 |
| Iowa | Nationwide | 1 | 2 | 3 |
| Kansas | Nationwide | 1 | 2 | 3 |
| Kentucky | The Hartford | 1 | 1 | 1 |
| Louisiana | The Hartford | 1 | 1 | 1 |
| Maine | ERGO NEXT | 1 | 3 | 2 |
| Maryland | GEICO | 1 | 5 | 5 |
| Massachusetts | ERGO NEXT | 1 | 3 | 2 |
| Michigan | ERGO NEXT | 1 | 3 | 2 |
| Minnesota | ERGO NEXT | 1 | 3 | 2 |
| Mississippi | ERGO NEXT | 1 | 3 | 2 |
| Missouri | ERGO NEXT | 1 | 4 | 2 |
| Montana | The Hartford | 1 | 1 | 1 |
| Nebraska | Nationwide | 1 | 2 | 3 |
| Nevada | ERGO NEXT | 1 | 3 | 2 |
| New Hampshire | ERGO NEXT | 1 | 3 | 2 |
| New Jersey | GEICO | 1 | 5 | 5 |
| New Mexico | ERGO NEXT | 1 | 3 | 2 |
| New York | ERGO NEXT | 1 | 4 | 2 |
| North Carolina | ERGO NEXT | 1 | 4 | 2 |
| North Dakota | The Hartford | 1 | 1 | 1 |
| Ohio | ERGO NEXT | 1 | 4 | 2 |
| Oklahoma | The Hartford | 1 | 1 | 1 |
| Oregon | ERGO NEXT | 1 | 3 | 2 |
| Pennsylvania | ERGO NEXT | 1 | 4 | 2 |
| Rhode Island | ERGO NEXT | 1 | 3 | 2 |
| South Carolina | ERGO NEXT | 1 | 3 | 2 |
| South Dakota | Nationwide | 1 | 2 | 3 |
| Tennessee | The Hartford | 1 | 1 | 1 |
| Texas | ERGO NEXT | 1 | 4 | 2 |
| Utah | ERGO NEXT | 1 | 3 | 2 |
| Vermont | Nationwide | 1 | 2 | 3 |
| Virginia | ERGO NEXT | 1 | 3 | 2 |
| Washington | ERGO NEXT | 1 | 3 | 2 |
| West Virginia | The Hartford | 1 | 1 | 1 |
| Wisconsin | Nationwide | 1 | 2 | 3 |
| Wyoming | The Hartford | 1 | 1 | 1 |
Data Source
Rankings based on MoneyGeek's analysis of average premiums and coverage options by state. Requirements and rates vary; confirm current availability with your insurer.
Best Commercial Auto Insurance Companies by Industry
ERGO NEXT takes the top spot for best commercial auto insurance in all 10 industries we analyzed. It's the safest pick regardless of your business type, though The Hartford is worth a look if you prioritize hands-on support over the lowest price.
| Agriculture/Farming | ERGO NEXT | 1 | 4 | 3 |
| Cleaning/Janitorial | ERGO NEXT | 1 | 4 | 3 |
| Contractors/Construction | ERGO NEXT | 1 | 4 | 2 |
| Financial Services | ERGO NEXT | 1 | 4 | 2 |
| Manufacturing | ERGO NEXT | 1 | 4 | 2 |
| Medical/Healthcare | ERGO NEXT | 1 | 4 | 3 |
| Professional Services | ERGO NEXT | 1 | 4 | 3 |
| Restaurants and Food Delivery | ERGO NEXT | 1 | 4 | 2 |
| Retail | ERGO NEXT | 1 | 4 | 2 |
| Transportation/Trucking | ERGO NEXT | 1 | 4 | 1 |
Data Source
Vehicle rates reflect averages for each vehicle class with 100/300/100 Liability Insurance With $1,000 deductible For Comp and Collision. Rates vary by vehicle age, value, and usage.
Best Commercial Auto Insurance Companies by Vehicle Type
ERGO NEXT ranks first for best commercial auto insurance across nearly all vehicle types, from sedans to semi-trucks. Nationwide edges ahead for farm tractors with stronger customer experience scores.
| Box Truck | ERGO NEXT | 1 | 4 | 2 |
| Bus | ERGO NEXT | 1 | 4 | 1 |
| Dump Truck | ERGO NEXT | 1 | 4 | 2 |
| Farm Tractor | Nationwide | 3 | 1 | 2 |
| Flatbed Truck | ERGO NEXT | 1 | 4 | 2 |
| Food Truck | ERGO NEXT | 1 | 4 | 2 |
| Forklift | ERGO NEXT | 1 | 4 | 2 |
| Limousine | ERGO NEXT | 1 | 4 | 1 |
| Pickup Truck | ERGO NEXT | 1 | 4 | 2 |
| Sedan | ERGO NEXT | 1 | 4 | 2 |
| Semi-Truck | ERGO NEXT | 1 | 3 | 1 |
| Semi-Truck - HAZMAT Cargo | ERGO NEXT | 1 | 3 | 1 |
| Snow Plow | ERGO NEXT | 1 | 4 | 1 |
| SUV | ERGO NEXT | 1 | 4 | 2 |
| Tanker Truck | ERGO NEXT | 1 | 4 | 2 |
| Tanker Truck - HAZMAT Cargo | ERGO NEXT | 1 | 4 | 2 |
| Taxi | ERGO NEXT | 1 | 4 | 1 |
| Van | ERGO NEXT | 1 | 4 | 2 |
Data Source
Vehicle rates based on MoneyGeek's October 2025 analysis for small businesses with 100/300/100 Liability Insurance with $1,000 deductible for Comp and Collision. Rates reflect averages by vehicle class. Actual premiums vary depending on the vehicle's age, value, usage, and cargo type.
Learn more about the best commercial truck and auto insurance by specific vehicle below:
How to Get the Best Commercial Auto Insurance
Finding the best commercial auto insurer means matching your business needs to the right provider. Follow these steps to identify your top choice.
- 1
Identify Your Business Profile
Start by noting your state, industry and vehicle types. A construction company in Texas has different needs than a retail business in New Jersey.
- 2
Check Our Rankings for Your Profile
Use our comparison tables above to find the top-ranked insurer for your state, industry and vehicle type.
- 3
Decide What Matters Most
Consider whether affordability, customer experience or coverage quality matters most to your business. If claims support is your priority, The Hartford's top customer experience score may outweigh ERGO NEXT's lower rates.
- 4
Verify Coverage Meets Your Needs
Confirm the top-ranked insurer offers the coverage your business requires. Most small businesses need at least $1 million combined single limit liability. Leased or financed vehicles require collision and comprehensive coverage.
- 5
Get Quotes and Compare
Request quotes from your top two or three insurers. Look for discounts like multi-vehicle, safe driver or policy bundling.
- 6
Review Policy Details Before Binding
Check exclusions, deductible options and the claims process before finalizing. Confirm all vehicle and driver details are correct, verify effective dates and save your certificate of insurance.
Cheapest Commercial Auto Insurance: Bottom Line
ERGO NEXT is the best commercial auto insurer for small businesses overall. We also recommend getting quotes from The Hartford and Nationwide. For the best fit, check our state, industry, and vehicle type rankings to find the top-rated insurer for your business profile.
Commercial Auto Insurance Companies: FAQ
We've answered the most common questions about commercial auto insurance companies:
What commercial auto insurance company has the cheapest rates?
ERGO NEXT consistently offers the cheapest commercial auto insurance at $293/month average compared to $330/month industry average, saving businesses 7% annually. The Hartford and Nationwide also provide competitive pricing at $315/month and $324/month, respectively.
How much does commercial auto insurance cost per month?
Small businesses pay $293-$367/month per vehicle on average, depending on the provider. Costs vary by coverage type: $1M CSL liability averages $416/month, full coverage with collision/comprehensive averages $381/month, and state minimum liability averages $148/month.
What coverage do I need for a commercial vehicle?
States require minimum liability coverage (usually $25,000-50,000 per person and $50,000-100,000 per accident), but we recommend at least $1 million combined single limit to truly protect your business assets. Add collision and comprehensive if you're financing or leasing your vehicle, or if it's worth more than $5,000.
Which companies offer the best claims service for business vehicles?
The Hartford earns the highest customer experience score (4.58/5) with comprehensive claims support and dedicated business specialists. Nationwide also delivers excellent service with a 4.44/5 customer experience rating. Both provide 24/7 claims support and understand commercial insurance claims processes.
Can I get commercial auto insurance with a bad driving record?
Yes, but you'll pay more for it. ERGO NEXT and GEICO are more lenient with driving violations than traditional carriers. Keep your record clean for three years and you'll see those rates drop back down.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.