Best Cheap Commercial Taxi Insurance for Small Business (2026 Picks)

Updated: January 6, 2026

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Commercial Taxi Insurance: Key Takeaways

NEXT Insurance ranks best overall with a 4.62 score and perfect 5/5 coverage rating due to the lowest rates combined with comprehensive for-hire livery coverage options for independent hackney operators and small medallion holders.

NEXT Insurance is also the cheapest at $882/month ($10,589 annually) for 100/300/100 liability with $1,000 deductible for comp and collision, saving $840/year versus the provider average.

Commercial taxi insurance averages $952/month ($11,424 annually), ranging from $551/month in Maine to $1,544/month in New York.

Compare quotes from at least three insurers and stack discounts (paid-in-full, multi-vehicle, bundling) to save 25% to 40% on your cab fleet.

MoneyGeek scored commercial taxi insurance providers across three weighted factors: Affordability (40%), Customer Experience (30%) and Coverage & Terms (30%). We analyzed 100/300/100 liability with $1,000 deductible for comp and collision quotes from 5 major insurers across all 50 states. Rankings updated quarterly using rate data current as of November 2025.

Best Cheap Commercial Taxi Insurance Companies

NEXT ranks best for commercial taxi insurance with a 4.62 overall score and the lowest rates at $910/month. The Hartford leads in customer experience with a 4.6 score. Nationwide offers solid bundling options at $1,011/month. Start with quotes from all three to find your best fit.


NEXT Insurance	4.62	$910	4.27	4.99
The Hartford	4.56	$983	4.60	4.96
Nationwide	4.33	$1,011	4.40	4.38
biBERK	4.32	$1,148	4.32	4.77
GEICO	4.14	$1,022	4.06	4.19

Data Source

Rates based on 100/300/100 liability with $1,000 deductible for comp and collision. Local taxi commissions often require higher limits. Rankings reflect MoneyGeek's methodology; data current November 2025.

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Industry

State

Best Commercial Taxi Insurance By State

Maine hackney operators pay as low as $643/month while New York medallion holders pay $1,544/month for identical coverage. NEXT offers the lowest rates in 25 states, The Hartford in 15 states and Nationwide in 10 states. Check your state below to find the top-rated carrier in your market.

Data filtered by:


Alabama	The Hartford	$820	$9,836
Alaska	NEXT Insurance	$947	$11,362
Arizona	NEXT Insurance	$1,011	$12,137
Arkansas	The Hartford	$855	$10,256
California	NEXT Insurance	$1,212	$14,541
Colorado	NEXT Insurance	$1,136	$13,629
Connecticut	NEXT Insurance	$1,115	$13,379
Delaware	The Hartford	$1,020	$12,236
Florida	NEXT Insurance	$1,331	$15,972
Georgia	NEXT Insurance	$914	$10,963
Hawaii	NEXT Insurance	$781	$9,367
Idaho	NEXT Insurance	$729	$8,749
Illinois	NEXT Insurance	$1,125	$13,497
Indiana	NEXT Insurance	$896	$10,753
Iowa	Nationwide	$762	$9,143
Kentucky	The Hartford	$905	$10,861
Louisiana	The Hartford	$1,432	$17,185
Maine	NEXT Insurance	$651	$7,810
Maryland	GEICO	$1,118	$13,413
Massachusetts	NEXT Insurance	$1,152	$13,828
Michigan	NEXT Insurance	$1,264	$15,172
Minnesota	NEXT Insurance	$1,033	$12,397
Mississippi	NEXT Insurance	$909	$10,913
Missouri	NEXT Insurance	$1,113	$13,359
Montana	The Hartford	$813	$9,761
Nebraska	Nationwide	$801	$9,613
Nevada	NEXT Insurance	$1,005	$12,055
New Hampshire	NEXT Insurance	$704	$8,450
New Jersey	GEICO	$1,191	$14,298
New Mexico	NEXT Insurance	$938	$11,253
New York	NEXT Insurance	$1,549	$18,584
North Carolina	NEXT Insurance	$866	$10,392
North Dakota	The Hartford	$730	$8,755
Ohio	NEXT Insurance	$929	$11,145
Oklahoma	The Hartford	$857	$10,290
Oregon	NEXT Insurance	$1,006	$12,077
Pennsylvania	NEXT Insurance	$1,016	$12,193
Rhode Island	NEXT Insurance	$1,166	$13,987
South Carolina	NEXT Insurance	$938	$11,259
South Dakota	Nationwide	$1,052	$12,620
Tennessee	The Hartford	$978	$11,730
Texas	NEXT Insurance	$1,139	$13,665
Utah	NEXT Insurance	$812	$9,740
Vermont	Nationwide	$670	$8,046
Virginia	NEXT Insurance	$1,002	$12,028
Washington	NEXT Insurance	$1,164	$13,968
West Virginia	The Hartford	$905	$10,863
Wisconsin	Nationwide	$854	$10,244
Wyoming	The Hartford	$844	$10,126

Data Source

We rank commercial taxi insurance carriers using weighted scores: affordability (40%), customer experience (35%), and coverage options (25%). Awards like "Best for Customer Experience" go to the top scorer in that category. Our summaries explain why each carrier earned its ranking. MoneyGeek doesn't accept payment for rankings. Your results may differ based on state and fleet profile.

Best Cheap Commercial Taxi Insurance for Owner-Operators

MoneyGeek Rating

4.6/ 5

4.7/5Affordability

4.3/5Customer Experience

5/5Coverage Points

Average Cost
$882/month
Our Survey: Claims Process
3.9/5
Our Survey: Likely to Recommend to Others
4.8/5

pros
- Cheapest commercial taxi insurance rates nationally for owner-operators
- Digital platform gives instant quotes and policy management
- Built for independent taxi drivers and small operators
- File claims online 24/7 through mobile app
cons
- Digital-only service (no local agents)
- Customer service scores lower than traditional carriers
NEXT has the lowest taxi cab insurance rates for owner-operators who handle coverage online. You'll pay $882 monthly for operations with one to three vehicles, $70 less than traditional insurers. Get instant quotes, change your policy in minutes and file claims from your phone. This setup works best for street-hail operators running metered service in cities.
NEXT has the lowest commercial taxi insurance rates for independent operators. At $882 monthly ($10,589 annually), you pay $70 less each month than the $952 industry average. You save $840 annually and still get full for-hire liability coverage.
NEXT scores 4.3 out of 5 for customer experience and ranks fourth among taxi insurance providers. Trustpilot users like the fast quotes and easy policy changes online. Some complain about slow responses to complicated claims involving passenger injuries or fare disputes.
NEXT covers taxis with 100/300/100 liability limits for owner-operators and independent hackney drivers. You can add hired and non-owned auto for temporary vehicles, passenger liability for fare-paying riders and comprehensive for theft, vandalism or weather damage.

The Hartford

Cheapest Commercial Taxi Insurance for Small Fleets

MoneyGeek Rating

4.6/ 5

4.4/5Affordability

4.6/5Customer Experience

5/5Coverage Points

855-961-1962

Average Cost
$948/month
Our Survey: Claims Process
4.5/5
Our Survey: Likely to Recommend to Others
4.5/5

pros
- Lowest rates for small cab fleets (4 to 10 vehicles) nationally
- Top-rated customer service and claims handling for dispatch company operators
- Specialized fleet management tools and dedicated livery account support
- A+ Superior AM Best financial strength rating
cons
- Higher than single-vehicle rates (about $66/month more than independent hackney coverage)
- Digital experience could improve for fleet tracking and driver roster management
The Hartford offers the cheapest taxi cab insurance for small business fleet operators backed by industry-leading customer service. At $948 monthly for 4 to 10 vehicle operations, you get affordable for-hire coverage from an A+ rated carrier with proven claims expertise handling passenger injury and collision claims. Customer service scores (4.6/5) lead the industry for dispatch company accounts.
The Hartford ranks second overall for cheap taxi insurance while offering the best fleet value for medallion holders operating multiple cabs. At $948 monthly ($11,371 annually), you save about 12% compared to state averages in high-cost markets. Florida operators save $158 monthly; California fleet owners pocket $143 each month on their metered fare vehicle coverage.
The Hartford scores 4.6/5 for customer experience, leading all taxi insurance providers in claims processing. Trustpilot business owners highlight fast claim approvals for fleet accidents involving fare-paying passengers and knowledgeable reps who understand hackney carriage operations and TLC requirements.
Small fleet taxi insurance from The Hartford covers 4 to 10 cabs under one policy with 100/300/100 liability limits. Fleet operators get access to loss control services, driver safety programs and chauffeur training resources at no extra cost. Coverage extends to street-hail, dispatch and app-based fare operations.

Nationwide

Best Value Taxi Insurance for Small Business Owners

MoneyGeek Rating

4.1/ 5

4/5Affordability

4.1/5Customer Experience

4.2/5Coverage Points

Average Cost
$984/month
Our Survey: Claims Process
3.9/5
Our Survey: Likely to Recommend to Others
4.3/5

pros
- Balanced pricing and coverage for small business taxi operators
- Strong bundling discounts when combining with other business insurance
- Nationwide agent network for local support
- Solid B+ financial strength (AM Best rating)
cons
- Mid-tier pricing (not the absolute cheapest option)
- Customer service scores below industry leaders
- Fewer specialized taxi insurance features than competitors
Nationwide provides best-value taxi cab insurance for small business owners who prioritize bundling over lowest price. At $984 monthly, about $36 more than the cheapest option, you get reliable for-hire coverage that stays within 5% of state averages nationally. The carrier works well for operators bundling livery coverage with general liability or commercial property insurance.
Nationwide ranks third for affordable taxi insurance with commercial auto rates that hover near state averages. At $984 monthly ($11,804 annually), you get predictable pricing across most service territories. Bundling delivers the biggest savings. Combine your cab coverage with general liability or commercial property insurance to save 15% to 20% on total business insurance costs.
Nationwide scores 4.4/5 for customer experience, landing in solid mid-tier territory among taxi insurance providers. J.D. Power ratings show average satisfaction for commercial insurance claims. Trustpilot users praise responsive local agents familiar with TLC filing requirements but note occasionally slow processing for complex passenger injury claims.
Commercial auto insurance for taxis from Nationwide provides 100/300/100 liability with standard coverage for hired autos, fare-paying passenger liability and collision damage. Bundling options include general liability, workers' compensation or commercial property insurance under one streamlined account covering your entire cab operation.

Cheapest Commercial Taxi Insurance Companies

NEXT offers the cheapest commercial taxi insurance rates at $910 monthly ($10,923 annually). Compare the cheapest options below and request quotes from the top three to maximize savings on your cab operation.

About These Reviews

Our provider evaluations are based on rate analysis, customer surveys, coverage options, and financial stability. Rates shown are national averages. Contact each insurer directly for personalized quotes and to verify current coverage availability in your state.


NEXT Insurance	$910	$10,923
The Hartford	$983	$11,802
Nationwide	$1,011	$12,129
GEICO	$1,022	$12,263
biBERK	$1,148	$13,771

Note

Average commercial taxi insurance costs $1,015/month. Savings calculated against this average. Rates based on 100/300/100 liability with $1,000 deductible for comp and collision.

Cheapest Commercial Taxi Insurance By State

NEXT offers the cheapest commercial taxi insurance in 35 states, with rates as low as $563/month in Maine. The Hartford leads in 11 states and Nationwide in 4 states. Find your state below and start with a quote from the cheapest carrier.

Data filtered by:


Alabama	The Hartford	$707
Alaska	NEXT Insurance	$846
Arizona	NEXT Insurance	$890
Arkansas	The Hartford	$765
California	NEXT Insurance	$1,019
Colorado	NEXT Insurance	$977
Connecticut	NEXT Insurance	$1,011
Delaware	The Hartford	$860
Florida	NEXT Insurance	$1,127
Georgia	NEXT Insurance	$789
Hawaii	NEXT Insurance	$668
Idaho	NEXT Insurance	$627
Illinois	NEXT Insurance	$974
Indiana	NEXT Insurance	$776
Iowa	Nationwide	$665
Kentucky	The Hartford	$817
Louisiana	The Hartford	$1,242
Maine	NEXT Insurance	$563
Maryland	GEICO	$1,020
Massachusetts	NEXT Insurance	$1,018
Michigan	NEXT Insurance	$1,048
Minnesota	NEXT Insurance	$889
Mississippi	NEXT Insurance	$765
Missouri	NEXT Insurance	$948
Montana	The Hartford	$711
Nebraska	Nationwide	$707
Nevada	NEXT Insurance	$907
New Hampshire	NEXT Insurance	$613
New Jersey	GEICO	$1,005
New Mexico	NEXT Insurance	$806
New York	NEXT Insurance	$1,292
North Carolina	NEXT Insurance	$737
North Dakota	The Hartford	$639
Ohio	NEXT Insurance	$775
Oklahoma	The Hartford	$749
Oregon	NEXT Insurance	$848
Pennsylvania	NEXT Insurance	$899
Rhode Island	NEXT Insurance	$1,044
South Carolina	NEXT Insurance	$794
South Dakota	Nationwide	$902
Tennessee	The Hartford	$854
Texas	NEXT Insurance	$973
Utah	NEXT Insurance	$695
Vermont	Nationwide	$589
Virginia	NEXT Insurance	$849
Washington	NEXT Insurance	$1,000
West Virginia	The Hartford	$786
Wisconsin	Nationwide	$730
Wyoming	The Hartford	$721

Data Source

Rates based on 100/300/100 liability with $1,000 deductible for comp and collision. Data current November 2025.

How Much Does Commercial Taxi Insurance Cost on Average?

Commercial taxi insurance costs $983 monthly ($11,794 annually) on average for 100/300/100 liability with $1,000 deductible for comp and collision. Your state drives the biggest price gap: Maine operators pay $651/month while New York businesses pay $1,549/month.


Average Monthly Premium	$983
Average Annual Premium	$11,794
Lowest State (Maine)	$651/month
Highest State (New York)	$1,549/month
Monthly Range	$651 - $1,549

Data Source

Rates shown are state averages across all providers. Average % Savings compares your state to the $988/month national average. Rates based on 100/300/100 liability with $1,000 deductible for comp and collision. Data current November 2025.

Factors That Affect Commercial Taxi Insurance Costs

Eight factors determine your commercial taxi insurance premium. Review each factor below to identify where you can lower your rate.

Passenger Capacity and Vehicle Configuration

Standard 4-passenger sedans cost less to insure than 6-passenger minivans or wheelchair-accessible paratransit vehicles. Minivans and SUVs used as hackney carriages pay 15% to 25% more due to higher passenger counts. ADA-compliant vehicles may qualify for accessibility discounts of 5% to 10%.

Service Type and Operating Territory

Airport ground transportation and highway driving increase accident exposure compared to hotel shuttle or corporate account routes. Urban hackney operators in New York, Chicago or Los Angeles pay 40% to 60% more than suburban or rural cab services. App-based dispatch services face variable conditions across shifting territories.

Chauffeur Experience and Licensing

Chauffeurs with 5+ years of for-hire experience earn 10% to 20% lower premiums than new hackney operators. Clean MVR records (no accidents or violations in 3 years) qualify for preferred rates. Each at-fault accident adds 20% to 40% to your premium for 3 to 5 years.

Hours of Operation

Late-night and overnight metered fare operations (10 PM to 6 AM) pay 20% to 35% higher premiums than daytime-only services. Weekend bar-close shifts add 10% to 15% due to increased impaired driver exposure. 24/7 hackney services pay the highest rates but can negotiate volume discounts with 5+ cabs.

Fleet Size and Business Structure

Single-vehicle independent operators pay the highest per-unit rates. Fleets of 2 to 4 medallions save 5% to 10% through multi-vehicle discounts. Dispatch companies with 5 to 10 cabs qualify for fleet pricing with 15% to 25% savings.

Annual Mileage and Trip Volume

Full-time hackney operators driving 50,000+ miles annually pay 25% to 40% more than part-time drivers logging 20,000 miles. Carriers may request odometer readings or telematics data to verify mileage. High fare volume with frequent passenger pickups increases risk in congested urban zones.

Claims History and Loss Runs

Zero claims earns 10% to 15% claims-free discounts. One at-fault passenger injury claim adds 15% to 25% to premiums. Two or more claims in 3 years can increase rates 30% to 50% or trigger non-renewal.

Vehicle Age, Value and Safety Equipment

Newer cabs cost more to insure due to higher replacement values but may qualify for safety discounts. Vehicles over 10 years old have lower physical damage premiums but may exceed TLC age limits. Dashcams reduce premiums 5% to 15%; GPS tracking and telematics earn 10% to 20% discounts.

Commercial Taxi Insurance Requirements

Commercial taxi insurance requirements fall under state and local regulation, not federal FMCSA jurisdiction. Hackney carriages transporting fare-paying passengers operate under city and state taxi and limousine commission (TLC) rules. Check the tables below for your state's minimums before purchasing coverage.

Coverage Types Required for For-Hire Taxi Operations


Commercial Auto Liability	Bodily injury and property damage to third parties including fare-paying passengers	$100,000 to $500,000 CSL or 100/300/100 split	All states, TLC commissions
Hired and Non-Owned Auto	Liability for rented or borrowed cabs used in metered fare operations	Match primary limits	Many taxi commissions
Physical Damage (Collision)	Damage to your cab from accidents	Actual cash value	Lenders if financed
Physical Damage (Comprehensive)	Theft, fire, vandalism, weather damage to your hackney vehicle	Actual cash value	Lenders if financed
Uninsured/Underinsured Motorist	Protection when at-fault driver lacks coverage for passenger injuries	$25,000 to $100,000	22 states require UM/UIM
Personal Injury Protection (PIP)	Medical expenses, lost wages regardless of fault for chauffeur and riders	$10,000 to $50,000	12 no-fault states
Medical Payments (MedPay)	Medical expenses for chauffeur and fare-paying passengers	$1,000 to $10,000	Some states, recommended

Hackney Carriage Licensing and Insurance Requirements

Requirement	Details
State Liability Minimums	California: City-regulated, typically $750,000 CSL for livery vehicles. New York: $100,000+ per person (NYC TLC requires higher for medallion cabs). Florida: County varies, typically 100/300/50 to $300,000 CSL. Texas: City varies, $500,000 common for metered fare operations. Illinois: $350,000+ (Chicago specific rules for hackney permits). Arizona: $250,000 with UM required. Nevada: 250/500/50 (gaming commission regulated for casino ground transportation).
Taxi Medallion or Hackney Permit	Most cities require a taxi medallion, hackney badge or livery permit to operate legally. NYC medallions historically cost $1 million+ (now $80,000 to $200,000 post-TNC disruption). Other cities charge $500 to $5,000 for permits. Proof of for-hire insurance required before permit issuance.
Taximeter Certification	Taximeters must be inspected and sealed by city weights and measures departments. Annual or biannual certification required. Metered fare rates set by local taxi and limousine commission. Tampering results in permit revocation.
Vehicle Inspection	Annual or semi-annual safety inspections required for hackney carriages. Some cities mandate specific vehicle age limits (5 to 10 years maximum). Wheelchair accessibility and paratransit requirements in some jurisdictions. Roof light and livery markings inspected.
Chauffeur Licensing	Standard driver's license (no CDL required for vehicles under 26,001 lbs with 1 to 7 passengers). Chauffeur's license, hackney badge or TLC driver permit required in most cities. Background check and fingerprinting mandatory. Drug testing in many jurisdictions. English proficiency and geographic knowledge tests in some markets.
Insurance Filing Requirements	Certificate of Insurance (COI) filed with taxi and limousine commission. 30-day cancellation notice to TLC required. Some cities require specific endorsements naming the city as certificate holder. Policy must remain active for medallion or hackney permit validity.
UM/UIM Requirements by State	Required in 22 states: Arizona, California, Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Jersey, New York, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Vermont, Virginia, West Virginia, Wisconsin. Limits vary from $25,000 to matching liability limits.
PIP/No-Fault Requirements	Required in 12 states: Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, Utah. Coverage ranges $10,000 to $50,000. Pays medical expenses regardless of fault for chauffeur and passengers.
Airport Ground Transportation Authority	Separate permits required for airport curbside pickups in most cities. Additional insurance requirements common (often $1 million+ CSL for airport livery). Background checks and vehicle inspections specific to airport operations. Annual ground transportation fees range $500 to $2,000. Queue permits and staging area access fees apply.

Disclaimer

Taxi insurance requirements are regulated at the state and local level. Verify current requirements with your city's taxi and limousine commission (TLC), state insurance department and local business licensing office.

How To Get The Best Cheap Commercial Taxi Insurance

Follow these five steps to cut taxi cab insurance costs 25% to 40% while maintaining proper for-hire coverage.

1
Compare Quotes From Multiple Insurers
Contact NEXT, The Hartford and Nationwide, plus one specialty for-hire livery insurer. Request quotes 30 to 45 days before your medallion renewal for better rates. Use identical coverage limits (100/300/100 liability with $1,000 deductible) across all quotes to compare accurately.
2
Verify Coverage Meets TLC Requirements
Call your city's TLC to confirm current liability minimums, usually $100,000 to $500,000 CSL for hackney carriages. Check whether your state requires UM/UIM and PIP coverage. Get a Certificate of Insurance (COI) to file with your taxi commission before renewing your medallion.
3
Lower Your Insurance Risk
Put dashcams in all cabs to cut premiums 5% to 15%. Add GPS tracking for 10% to 20% off. Make all chauffeurs take defensive driving courses. Hire only operators with clean MVR records. Keep detailed vehicle maintenance records for underwriting reviews.
4
Stack Available Discounts
Bundle commercial taxi insurance with general liability to save 15% to 20%. Pay annually to avoid monthly installment fees. You get multi-vehicle discounts with two or more medallions. Keep a clean claims record for better rates.
5
Review Your Policy Every Year
Get new quotes 30 to 45 days before your medallion renews and compare them to your current rate. Update your policy when you add or remove cabs. Ask about new discounts like telematics or hackney industry associations at each renewal.

Commercial Taxi Insurance for Small Business: Bottom Line

NEXT offers the cheapest commercial taxi insurance at $882 monthly, saving $70 versus the $952 industry average. Your state determines the biggest price difference: Maine hackney operators pay $643 monthly while New York medallion holders pay $1,544. Compare quotes from NEXT, The Hartford and one additional carrier to find your lowest rate.

Commercial Taxi Insurance for Small Businesses: FAQ

Here are answers to the most common questions taxi operators ask about coverage and costs:

How much does commercial taxi insurance cost?

Commercial taxi insurance averages $952 monthly ($11,424 annually) for 100/300/100 liability with $1,000 deductible. Costs range from $643 monthly in Maine to $1,544 in New York. NEXT offers the lowest rates at $882 monthly. Your premium depends on service territory, chauffeur records and claims history.

What does taxi insurance cover?

Taxi cab insurance covers bodily injury and property damage liability when your chauffeur causes an accident involving fare-paying passengers. Standard policies include collision coverage, comprehensive coverage for theft and hired/non-owned auto for temporary vehicles. Optional add-ons include uninsured motorist protection and medical payments.

Is taxi insurance more expensive than regular car insurance?

Yes. Taxi cab insurance costs $531 monthly more than personal auto coverage on average. Hackney carriages drive 50,000+ miles annually versus 12,000 to 15,000 personal miles and operate in congested urban areas. For-hire passenger transport creates injury liability that personal policies exclude.

Do I need commercial insurance to drive a taxi?

Yes. Every state requires commercial auto insurance for for-hire livery vehicles. Personal auto policies exclude business use and deny claims if you transport fare-paying passengers. Operating a cab without commercial coverage results in fines up to $10,000, medallion revocation and personal liability. Most TLCs require proof of hackney insurance before issuing your permit.

How can I get cheap taxi insurance?

Compare quotes from at least three carriers to find rates $70 to $223 below average. NEXT, The Hartford and Nationwide offer the lowest taxi premiums nationally. Raise your collision deductible to $1,000 to save $100 to $150 monthly. Bundle with general liability for 15% to 20% discounts.

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.

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