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Cheapest Commercial Auto Insurance
Progressive and GEICO offer the cheapest commercial auto insurance overall for most small businesses, with rates starting at $67/month.
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Updated: November 4, 2026
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Featured Partner
The Hartford
- Commercial auto rates at The Hartford average $201 a month in that analysis, against a $163 market average.
- The Hartford wins the Coverage Depth category and ranks third overall for commercial auto in MoneyGeek's 2026 study.
- Bodily injury, property damage, collision, comprehensive and uninsured motorist claims are covered under The Hartford's policies.
- The Hartford's hired and non-owned auto liability covers employees who use personal vehicles for work.
On The Hartford's site
*MoneyGeek featured partner. Editorial rankings below are independent of this placement. Rates, rankings and savings comparisons are based on MoneyGeek's independent research and Hartford-reported data as of 2026. Figures are estimates and averages, not a guarantee of any individual quote, premium or discount.
Who Has The Cheapest Commercial Auto Insurance Overall?
Below we've summarized our top three cheapest commercial auto insurance providers:
- Progressive Commercial: At $143/month, Progressive Commercial prices 13% below average and holds the top overall affordability score of 4.16 out of 5. They are proportionally the cheapest business auto insurer for most, with the most attractive prices for taxi and limo drivers, vans and companies in the transport, wholesale and hospitality sectors.
- GEICO: GEICO averages $149/month, 9% below the national benchmark, and prices lowest for white-collar and lower-commercial auto risk service businesses. It is also primarily most affordable for those using sedans and SUVs most often for business activities along with farm tractors.
- Nationwide: Nationwide ranks third overall with an affordability score of 4 out of 5, averaging $154/month, 6% below the national benchmark. The company's price leadership shows up mostly for tech, beauty and fitness services with a mobile component.
Keep in mind that these top three cheapest small business insurance picks for commercial auto policies are not the lowest cost option for everyone. Your commercial auto insurance costs will vary widely depending on your vehicle fleet details, your drivers, services you offer and location.
| Progressive Commercial | $143 | $1,713 | 13% |
| Geico | $149 | $1,785 | 9% |
| Nationwide | $154 | $1,844 | 6% |
| biBERK | $170 | $2,037 | -4% |
| The Hartford | $201 | $2,417 | -23% |
How We Determined the Cheapest Commercial Auto Insurance Providers
Providers were judged based on a composite of pricing data across 400+ industries (broken into 25 categories), all states and D.C., and eight vehicle types that are most commonly needing commercial auto insurance. These picks do not represent commercial trucks like semis and tankers. Check our cheapest commercial truck insurance guide for more information relating to these vehicle types.Â
Review our methodology for more details.
CHEAPEST DOESN'T ALWAYS MEAN BEST
The lowest monthly rate doesn't guarantee the right coverage for your fleet. Compare providers on liability limits, physical damage coverage, hired/non-owned auto and claims service, not just the price. For a value-based comparison, see our guide to the best commercial auto insurance companies.
Cheapest Commercial Auto Insurance by State
Proportionally at the location level, Progressive maintains its pricing dominance as the cheapest commercial auto insurer in 35 out of 51 states/territories. However, Geico positions itself slightly stronger in bigger markets like California and Florida, winning the other 16 states and showing strong overall performance in the northeast and southeast.
| Alabama | Progressive Commercial | $117 | 13% |
| Alaska | Progressive Commercial | $236 | 13% |
| Arizona | Progressive Commercial | $129 | 13% |
| Arkansas | Progressive Commercial | $126 | 14% |
| California | Geico | $177 | 15% |
| Colorado | Progressive Commercial | $145 | 13% |
| Connecticut | Geico | $166 | 14% |
| Delaware | Geico | $113 | 15% |
| Florida | Geico | $197 | 15% |
| Georgia | Geico | $133 | 15% |
| Hawaii | Geico | $73 | 14% |
| Idaho | Progressive Commercial | $91 | 14% |
| Illinois | Progressive Commercial | $156 | 13% |
| Indiana | Progressive Commercial | $134 | 14% |
| Iowa | Progressive Commercial | $84 | 14% |
| Kansas | Progressive Commercial | $122 | 14% |
| Kentucky | Progressive Commercial | $133 | 14% |
| Louisiana | Progressive Commercial | $156 | 13% |
| Maine | Progressive Commercial | $160 | 13% |
| Maryland | Geico | $166 | 15% |
| Massachusetts | Geico | $174 | 14% |
| Michigan | Progressive Commercial | $269 | 14% |
| Minnesota | Progressive Commercial | $140 | 13% |
| Mississippi | Progressive Commercial | $133 | 14% |
| Missouri | Progressive Commercial | $160 | 14% |
| Montana | Progressive Commercial | $113 | 14% |
| Nebraska | Progressive Commercial | $116 | 14% |
| Nevada | Progressive Commercial | $144 | 14% |
| New Hampshire | Progressive Commercial | $100 | 13% |
| New Jersey | Geico | $179 | 14% |
| New Mexico | Progressive Commercial | $113 | 13% |
| New York | Geico | $179 | 15% |
| North Carolina | Geico | $140 | 15% |
| North Dakota | Progressive Commercial | $110 | 14% |
| Ohio | Progressive Commercial | $138 | 14% |
| Oklahoma | Progressive Commercial | $125 | 14% |
| Oregon | Progressive Commercial | $137 | 13% |
| Pennsylvania | Geico | $67 | 15% |
| Rhode Island | Geico | $172 | 14% |
| South Carolina | Geico | $136 | 14% |
| South Dakota | Progressive Commercial | $158 | 14% |
| Tennessee | Progressive Commercial | $125 | 14% |
| Texas | Progressive Commercial | $191 | 13% |
| Utah | Progressive Commercial | $126 | 14% |
| Vermont | Progressive Commercial | $80 | 13% |
| Virginia | Geico | $147 | 15% |
| Washington | Progressive Commercial | $136 | 13% |
| Washington DC | Geico | $192 | 15% |
| West Virginia | Progressive Commercial | $132 | 13% |
| Wisconsin | Progressive Commercial | $103 | 13% |
| Wyoming | Progressive Commercial | $121 | 14% |
Finding affordable commercial auto insurance depends on where your business operates. Use our state guides to compare the cheapest providers in your area.
Cheapest Commercial Auto Insurance by Vehicle Type
Progressive and Geico are the only competitors at the vehicle type level for cheap commercial auto insurance. Geico positions itself as the cheapest overall for fleets focused on SUVs and sedans outside of passenger transport while Progressive has the strongest pricing performance for taxis, limos, food trucks, pickups and vans.
| Farm Tractor | Geico | $150 | 16% |
| SUV | Geico | $111 | 15% |
| Sedan | Geico | $92 | 17% |
| Food Truck | Progressive Commercial | $173 | 25% |
| Limousine | Progressive Commercial | $597 | 31% |
| Pickup Truck | Progressive Commercial | $147 | 21% |
| Taxi | Progressive Commercial | $543 | 31% |
| Van | Progressive Commercial | $159 | 16% |
Get more specific guidance by industry below.
Cheapest Commercial Auto Insurance by Industry
Progressive Commercial is the cheapest commercial auto insurer for 20 of the 25 general industries in MoneyGeek's analysis. GEICO prices are lower in the remaining five, particularly in common white-collar fields, recreation/sports and healthcare.
| Consulting Services | Geico | $86 | 17% |
| Financial Services | Geico | $74 | 21% |
| Healthcare & Medical | Geico | $120 | 10% |
| Marketing & Communications | Geico | $73 | 18% |
| Recreation & Sports | Geico | $139 | 13% |
| Childcare Services | Progressive Commercial | $117 | 19% |
| Cleaning Services | Progressive Commercial | $142 | 22% |
| Construction & Contracting | Progressive Commercial | $151 | 22% |
| Education | Progressive Commercial | $114 | 8% |
| Food & Beverage | Progressive Commercial | $143 | 21% |
| Hospitality, Travel & Tourism | Progressive Commercial | $152 | 21% |
| Manufacturing | Progressive Commercial | $139 | 26% |
| Nonprofit & Associations | Progressive Commercial | $134 | 15% |
| Other Professional Services | Progressive Commercial | $183 | 15% |
| Pet Care Services | Progressive Commercial | $123 | 14% |
| Repair & Maintenance | Progressive Commercial | $141 | 20% |
| Retail & Product Rental | Progressive Commercial | $144 | 12% |
| Transportation & Logistics | Progressive Commercial | $255 | 27% |
| Wholesale & Distribution | Progressive Commercial | $128 | 28% |
| Agriculture & Natural Resources | biBERK | $128 | 19% |
| Arts, Media & Entertainment | biBERK | $109 | 15% |
| Beauty, Body & Wellness Services | biBERK | $74 | 24% |
| Fitness Services | biBERK | $78 | 25% |
| Real Estate & Property Services | biBERK | $110 | 14% |
| Tech/IT | biBERK | $99 | 20% |
For more detailed information on cheap insurance by industry, check the resources below.
How To Get Cheaper Commercial Auto Insurance Without Sacrificing Protection
Use the following methods below to lower your commercial auto insurance costs without sacrificing coverage you need.
Compare quotes using identical coverage termsA $50/month difference between two providers means nothing if the price comes with inferior coverage and gaps you need filled. Compare commercial insurance quotes with matching deductibles, liability limits and endorsements before comparing prices to ensure you get the lowest price for your needs.
Confirm each vehicle's use code before you bindCommercial auto premiums are rated by vehicle use: pleasure, commute, business or commercial. Classifying a delivery van as âbusiness useâ instead of "commercial" can produce a lower quote initially but triggers a coverage dispute after a claim. Confirm each vehicle's primary use with your broker and verify it matches how drivers actually use the vehicle day to day. Your insurer will rate the
policy on actual use, not what was entered at bind.
Bundle commercial auto with other business insurance policiesMany providers discount commercial auto when you combine it with other business insurance policies with savings of up to 20% depending on how many policies you buy with one insurer.
Install telematics or GPS fleet-tracking hardwareProgressive Commercial's Snapshot for Business and similar telematics programs monitor hard braking, speeding and nighttime driving. Businesses with clean driving data can lower premiums by 10% to 15% at renewal. Review the program terms before enrolling: participation requires sharing driving behavior data with the insurer.
Raise your deductible if your fleet has a clean claims historyIncreasing comprehensive and collision deductibles from $500 to $1,000 reduces the physical damage portion of your premium by 15% to 25%. A higher deductible works best for fleets that haven't filed claims in two or more years and have enough cash reserves to cover an out-of-pocket deductible after an accident.
Update your annual mileage estimates mid-policy if your routes changedCommercial auto premiums factor in estimated annual mileage at policy inception. If your business reduced routes, added remote work or parked vehicles seasonally, contact your insurer. Some carriers allow a mid-term mileage adjustment that lowers your remaining premium without waiting for renewal.
How We Determined The Cheapest Commercial Auto Insurance Providers
To identify the cheapest commercial auto insurers, MoneyGeek analyzed pricing estimates from five providers that met our criteria for pricing availability, customer experience feedback and coverage transparency (Progressive Commercial, GEICO, The Hartford, Nationwide and biBerk). Insurers were studied across eight vehicle types, 25 general industry categories (with 400+ sub-industries covered) and all 50 states plus Washington, D.C.
How rankings work: Overall recommendations reflect average estimated rates across all vehicle types, industries and states combined. Factor-specific recommendations (by vehicle, industry or state) reflect which provider ranks lowest within that specific segment.
What these rates represent: Figures are standardized pricing estimates for comparison, not personalized quotes. Actual premiums depend on your vehicle classifications, annual mileage, claims history, driver records, selected limits, deductibles and endorsements. Compare quotes from at least three insurers with identical coverage parameters for the most accurate result.
Read our full business insurance methodology for more details.
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About Mark Flores
Mark Flores is a Business Insurance Content Writer at MoneyGeek, where he focuses on commercial auto, commercial property, cyber and specialty business insurance coverage. His work simplifies coverage terms, gives business owners a strong baseline for expected costs, and narrows down policies and providers tailored to your operation, regardless of complexity.
Before joining MoneyGeekâs business insurance team, Mark worked as a Senior Content Writer at Clutch.co, where he produced structured B2B reviews and provider analyses based on client interviews, company research and service evaluation. That experience shaped his approach to business insurance content, especially when comparing insurers, explaining coverage differences and translating complex policy features into practical guidance for small business owners.
Mark also spent nearly 4 years as a digital marketing specialist serving small-business clients across industries such as home services, manufacturing and education. That background gives him practical context for how businesses evaluate vendors, manage operational needs and make purchasing decisions.
At MoneyGeek, he applies this research and evaluation experience to build guides that help transportation sectors, those with complex property-related risks (such as hotels and retail stores), and those most at risk of a cyberattack get the coverage they need at a reasonable price.
Linkedin: https://www.linkedin.com/in/mark-jason-flores-7844634a/
Contact Email: mark.flores@moneygeek.com