Best Commercial Auto Insurance

Progressive Commercial ranks #1 for affordability at $143/mo, $21 below the $163 national benchmark and $246 less per year.

• Strongest savings: Taxis ($543/mo vs. $791 avg, 31%), limousines ($597/mo vs. $870, 31%), food trucks ($173/mo vs. $230, 25%)
• Moderate savings: Pickup trucks (21%), vans (16%), farm tractors (14%)
• Weakest fit: Sedans ($115/mo vs. $110 avg, -4%) and SUVs ($125/mo vs. $130, 4%). Compare GEICO if your fleet runs either

Progressive Commercial leads all five providers in customer experience with a score of 4.50 out of 5, ranking first in buying, policy management and claims. You'll find a fast, digital-first buying process and consistent support through resolution, the strongest end-to-end record in our analysis.

If post-purchase service matters as much as price for your business, Progressive Commercial is the clear choice. No other provider in our study ranked first across all three customer experience categories.

Progressive Commercial's coverage ranks fourth out of five providers with a score of 4.04 out of 5. It covers the core commercial auto needs (liability, collision, physical damage and uninsured motorist) with broad vehicle eligibility, but if your business needs deep policy customization, you'll find stronger options with The Hartford (4.26) or Nationwide (4.13).

Endorsements and policy customization are its weakest sub-categories, both ranking fourth. If your business operates in transportation, medical transport or heavy equipment, you may outgrow its coverage terms. For standard fleet operations, the gap rarely matters.

GEICO ranks second for commercial auto affordability at $149/mo, which is $15 below the $163 national average and saves businesses $174 annually. Its advantage is sharpest for service industries: financial services pay $74/mo (21% below the $94 average), marketing firms pay $73/mo (18% below $89) and consulting firms pay $86/mo (17% below $104).

That advantage narrows for wellness and fitness businesses, where GEICO ranks second. If your business is in beauty and wellness, you'll pay $83/mo versus a $98 national average (15% savings); fitness businesses pay $90/mo versus $103 (12% savings).

GEICO ranks second for commercial auto customer experience with a score of 4.15 out of 5, behind Progressive Commercial's 4.50. Its buying process is its strongest area, with businesses reporting a clear, accessible experience across most policy types. Policy management and claims are consistent but rank third, not a differentiator.

If your business wants name-brand reliability without premium pricing, GEICO performs well across the full policy lifecycle. It won't match Progressive Commercial on claims speed or The Hartford on post-incident depth, but it's a reliable second choice for most profiles.

GEICO ranks third for coverage depth with a score of 4.12 out of 5, covering core commercial auto needs with competitive liability terms and broad vehicle eligibility. For most service-sector fleets running sedans, vans or light commercial vehicles, its third-place coverage score won't be a deciding factor.

Endorsements, liability coverage terms (ranked fourth) and policy customization are its weaker areas. If your business has specialized liability exposure or runs high-risk vehicle types, you'll find more depth with The Hartford or Nationwide. For complex coverage needs, compare GEICO directly against Nationwide before committing.

At $201/mo ($2,413/yr), The Hartford will cost you 23% more than the national average and ranks last in affordability among the five providers. If your fleet carries high liability exposure or needs complex endorsements, it offers the strongest coverage value per dollar of the five options.

• General industries most often cheapest for: The Hartford does not rank first for affordability in any of the 25 industries in our analysis. Its strongest relative value is in professional services, healthcare and hospitality where its coverage depth offsets its above-average pricing.
• Vehicle types most often cheapest for: The Hartford does not rank first for any vehicle type in our analysis.
• States most often cheapest in: The Hartford is available in all 51 states; its pricing runs above the national average across all locations in our study.

The Hartford ranks second in customer experience with a score of 4.15. More detailed underwriting requirements reflect the complexity of coverage you are getting.

For policy management, you have access to certificate handling, billing management and audit submission through its online portal. When you file a claim involving a high-complexity incident (a regulated industry loss, multi-vehicle accident or large liability claim) you get thorough claims coordination.

Your Hartford policy includes the broadest baseline coverage structure among the five providers, with standard commercial auto liability, physical damage and hired and non-owned auto built more thoroughly into the base policy than competitors.

• Core limits: Liability coverage offers the most flexible sublimit structure in our analysis, with options above $1M per occurrence for fleets with high liability exposure. The Hartford ranks first in coverage score at 4.26 across all five providers.
• Endorsements: If you operate in a regulated industry, run a transportation network company or provide medical transport, you get HNOA built into your base policy and the widest endorsement selection among the five providers.

Nationwide's average rate of $154/mo ($1,848/yr) saves you 6% compared to the national average, ranking third in affordability among the five providers. If you need strong coverage depth but want to pay less, Nationwide's pricing advantage adds meaningful value.

• General industries most often cheapest for: Nationwide does not rank first for affordability in any of the 25 industries in our analysis. Its strongest relative value is for businesses where coverage depth is a priority and The Hartford's higher rates make it less accessible.
• Vehicle types most often cheapest for: Nationwide does not rank first for any vehicle type in our analysis.
• States most often cheapest in: Nationwide is available in all 51 states; its pricing advantage is consistent across all locations in our study.

Nationwide ranks last in customer experience among the five providers with a score of 3.97. When you buy, expect more friction in quote generation and intake.

For policy management, certificate requests, fleet adjustments and mid-term changes require more steps than Progressive Commercial's self-service platform. When you file a claim, you get a dedicated adjuster but slower responsiveness.

If you're comparing coverage options to understand what protection levels Nationwide offers, the provider gives you flexibility in employers' liability limits and optional endorsements for specialized situations. Coverage structure varies by business profile and state requirements.

• Core limits: Employers' liability coverage offers three limit options: $100,000/$500,000/$100,000, $500,000/$500,000/$500,000, or $1,000,000/$1,000,000/$1,000,000 (per accident/policy limit/per employee). Higher limits provide stronger protection if injured employees sue for negligence beyond statutory benefits.
• Endorsements: Voluntary compensation extends coverage to independent contractors, sole proprietors, or corporate officers. Waiver of subrogation, alternative employer, United States Longshoremen's and Harbor Workers' Compensation Act (USL&H) for maritime workers, and foreign coverage endorsements are available based on your business needs and contract requirements.

biBerk's average rate of $170/mo ($2,037/yr) runs 4% above the national average, ranking fourth in affordability. If you operate a single vehicle with standard coverage needs, its simplified policy structure keeps your costs competitive despite running above the national average.

• General industries most often cheapest for: biBerk does not rank first for affordability in any of the 25 industries in our analysis. Its strongest relative value is for very small single-vehicle operations where policy simplicity outweighs coverage limitations.
• Vehicle types most often cheapest for: biBerk does not rank first for any vehicle type in our analysis.
• States most often cheapest in: biBerk is available in all 51 states; its pricing runs above the national average across all locations in our study.

biBerk ranks fourth in customer experience with a score of 4.03. When you buy, the platform is fast and digital-first with quick quote generation for simple single-vehicle policies. Intake is the smoothest part of the biBerk experience.

For policy management, you can handle basic certificate requests and standard policy changes, but if you need mid-term adjustments or fleet modifications, expect more effort. When you file a claim, you are likely to experience limited adjuster communication and slower resolution times than you would get with other top providers.

biBerk ranks last for coverage depth with a score of 3.57 out of 5. It's the weakest coverage provider in our analysis by a clear margin, falling short of every other provider on this list.

Coverage limitations are most acute in endorsements and policy customization. biBerk's structure works for the most basic commercial auto needs but leaves little room if your business runs specialized vehicles, operates in a regulated industry or carries high liability exposure. Hired and non-owned auto coverage and industry-specific endorsements are either unavailable or restricted in ways more established carriers don't impose.