Where can I get commercial car insurance?

If you’re in the San Bernardino / Inland Empire, California area, you have several options for commercial car (commercial auto) insurance. Commercial auto is usually for vehicles used for business purposes—such as contractor trucks, delivery vehicles, company cars, vans, or work vehicles. Personal auto policies often exclude business use.

Local brokers/agencies that can help

• One Choice Insurance Brokers — San Bernardino broker that handles commercial coverage, including commercial auto and contractor-related insurance.
• Main Essentials Insurance — Fontana agency focused on business insurance, including commercial auto and trucking coverage.
• Insurance-4-Trucks — Fontana broker specializing in transportation and trucking-related commercial insurance.
• Expedited Insurance Services — Riverside-area commercial insurance agency with a focus on trucking and small fleets.
• Intel Solution Insurance Services — San Bernardino agency offering commercial insurance solutions, including commercial auto for contractors and small businesses.

Larger commercial auto insurers to compare

Common providers include Progressive Commercial, GEICO Commercial, The Hartford Business Insurance, and Nationwide Business Insurance. In California comparisons, Progressive Commercial, GEICO, The Hartford, and Nationwide are frequently listed among major commercial auto options.

When you request quotes, have ready:

• Vehicle year/make/model and VIN
• Business type (contractor, delivery, trucking, etc.)
• How the vehicle is used
• Driver information
• Desired liability limits (many businesses need higher limits than personal auto)

If you tell me what vehicle you need insured (car, pickup, van, box truck, semi, etc.) and your business type, I can narrow down the best places to call.

You can get commercial car insurance through major national insurance carriers, specialized digital providers, or local independent insurance agents.

The best choice depends on whether you prefer managing policies completely online or working with a dedicated agent.

Major National Commercial Insurers

• Progressive Commercial : Widely recognized as the largest commercial auto insurer in the U.S. They provide robust coverage for everything from single passenger cars and utility vans to heavy-duty trucks and large fleets, with flexible online quoting.
• Travelers Business Insurance : Highly rated for mid-size to large corporate fleets, offering high liability limits and extensive customizable policy endorsements.
• GEICO Commercial Auto : Available in all 50 states, GEICO covers a wide variety of business vehicles (including food trucks and specialty service vehicles) and offers straightforward, cost-effective rates.
• State Farm Business Insurance : Excellent if you prefer a traditional agent-led experience and need coverage for non-owned vehicles or employee-driven personal cars used for work.
• Nationwide Commercial Auto : Provides adaptable fleet policies, strong multi-policy bundling options, and great digital fleet tracking features.

Digital-First & Small Business Providers

• Next Insurance : Best for freelancers, self-employed professionals, and small businesses looking for quick, 100% digital quotes and instant certificates of liability. (Note: Best for light commercial driving or simple business autos rather than massive heavy-duty fleets).
• biBerk Business Insurance : Backed by Berkshire Hathaway , biBerk specializes in direct-to-consumer small business and commercial auto insurance , cutting out middleman fees to keep prices competitive.

Using an Insurance Broker or Independent Agent

If your business has unique vehicles, high-risk loads, a brand-new operating authority, or you simply want someone else to shop multiple carriers for you, consider an independent agency or digital matching service like The Hartford (which partners with platforms like Tivly for small business auto quotes) or a local broker.

If you tell me what type of vehicle(s) you need to insure and your industry/business type , I can help narrow down which provider fits your specific needs best.

You can get commercial car insurance directly from major national insurance providers, through digital business insurers, or by working with an independent insurance agent.

The best option depends on whether you prefer managing everything online or talking face-to-face with an agent to customize your policy.

1. Major National Carriers (Direct or via Agents)

• Progressive Commercial: Widely considered a top choice and a market leader for commercial vehicles, offering specialized policies for everything from single cars and contractor pickup trucks to heavy-duty trucks and food trucks. You can get a policy directly on the Progressive Commercial portal.
• GEICO: Known for insuring a wide variety of commercial vehicles (cars, vans, service utility vehicles) in all 50 states. You can start a policy via GEICO Commercial Auto Insurance.
• Travelers: Rated highly for strong coverage options, fleet customizability, and industry-specific policies. You can review options through Travelers Commercial Auto.
• State Farm: A strong option if you need coverage for non-owned business vehicles, such as employees using their own personal cars for company errands.
• The Hartford & Nationwide: Both offer robust commercial auto lines with flexible small-business bundling. You can explore options at Nationwide Commercial Auto.

2. Digital-First Small Business Insurers

• biBerk: Part of Warren Buffett’s Berkshire Hathaway group, biBerk specializes in quick online quoting and lower overhead costs for small business owners. You can get direct coverage via biBerk Business Insurance.
• NEXT Insurance: Excellent for small business owners who want to bundle commercial auto/liability with general liability or workers' comp. They provide fast digital management through NEXT Insurance.

3. Independent Insurance Agencies

If your business has unique risks, a complex fleet, or you want someone else to shop multiple carriers for the best rate, working with a local or regional independent agency (such as Insurox or CNS Insurance ) allows you to compare quotes across 50+ different insurance markets simultaneously rather than being locked into a single brand.

To help me narrow down the best insurer for you, tell me:

• What type of vehicle(s) you need to insure (car, van, pickup, box truck)?
• How the vehicle is used (making deliveries, carrying tools to job sites, transporting clients)?

If you mean commercial auto insurance for a business vehicle, you have several options:

National commercial auto insurers

• Progressive Commercial — commonly used by contractors, delivery businesses, and fleets.
• The Hartford — offers commercial auto coverage as part of broader business insurance packages.
• Nationwide — provides commercial auto policies for businesses of different sizes.
• GEICO — offers commercial insurance options for qualifying businesses.
• Allstate — offers coverage for company cars, trucks, vans, and specialty vehicles.

If you’re near Tyler, Texas

You can also contact local independent agencies that can shop multiple carriers:

• Bergfeld Agency — offers commercial insurance options including commercial auto.
• Hibbs-Hallmark & Company Insurance — provides commercial insurance and risk-management services, including commercial auto.
• Bosworth & Associates — offers commercial lines including commercial auto and fleet coverage.
• The Insurance Shop — helps businesses with commercial auto and related coverage.
• Ark Assurance Group, Inc. — offers commercial insurance products including commercial auto.

To point you to the best option, what kind of vehicle is it (car, pickup, van, truck, fleet), and what is it used for (delivery, hauling, contracting, rideshare, etc.)?

You can get commercial car insurance from many national insurers, either directly or through an independent insurance agent. Good options include:

• Progressive Commercial – One of the largest commercial auto insurers in the U.S., with coverage for contractors, delivery drivers, fleets, and many small businesses.
• The Hartford – Well known for small business insurance and customizable commercial auto policies.
• Travelers – Offers coverage for businesses ranging from single vehicles to large fleets.
• Nationwide – Commercial auto coverage for many types of businesses.
• Liberty Mutual Business Insurance – Suitable for a variety of commercial vehicle needs.
• Allstate Business Insurance – Covers company cars, vans, trucks, and specialty vehicles.

If you aren't sure which insurer is the best fit, an independent insurance agent can compare quotes from multiple carriers and often find coverage tailored to your business.

To narrow it down, what kind of vehicle are you insuring?

• A personal car used for work (such as real estate or sales)
• A work truck or van
• A delivery vehicle
• A semi-truck
• A fleet of business vehicles

You can purchase commercial car insurance from a wide range of national insurers and specialized agencies, many of which allow you to get quotes and purchase policies online, over the phone, or through local agents.

Here are the top providers for commercial auto insurance based on 2026 data:

• Progressive Commercial: Considered a top provider of commercial auto insurance, offering policies for vehicles ranging from cars to heavy trucks.
• Next Insurance: A strong option for small businesses and self-employed professionals, offering a simple, fast online experience.
• Geico Commercial: Offers specialized, customizable coverage for various vehicles and businesses with fast online quotes.
• The Hartford: A top choice for small businesses, providing tailored solutions and strong coverage options.
• biBerk Business Insurance: A Berkshire Hathaway company that offers specialized commercial auto insurance with competitive pricing, especially for small businesses.
• Travelers: Known for industry-specific coverage, including specialized plans for trucking, oil and gas, and public sector vehicles.
• Liberty Mutual: Offers robust, comprehensive coverage often suited for medium-to-large enterprises with tailored risk control services.
• State Farm: An excellent choice for business owners who prefer to work directly with a local agent.
• Auto-Owners Insurance: Offers tailored coverage for small businesses with highly-rated customer service.
• Nationwide: A strong provider offering commercial auto and fleet insurance with a focus on risk management.

Key Considerations

• When you need it: Generally, if your business owns, leases, or rents vehicles, or if employees use their personal vehicles for company business, you will need a commercial policy.
• Types of Coverage: Standard policies usually cover liability (bodily injury and property damage), comprehensive, and collision coverage for your business vehicles.
• Local Agents: Many companies, like People's Insurance or AIC Insurance in Oregon, provide personal service to help you find the best rate.

To help me find the best option for you, could you please tell me:

• What type of vehicle(s) are you looking to insure? (e.g., sedan, truck, van)
• How many vehicles do you need to cover?
• What is your location (state)?

You can get commercial car (commercial auto) insurance from many national insurers, independent insurance agents, or business insurance brokers. Some of the most commonly recommended providers include:

• Progressive Commercial — One of the largest commercial auto insurers in the U.S., with coverage for contractors, delivery vehicles, fleets, and many other businesses.
• The Hartford — Offers commercial auto alongside other business insurance, making it a good choice if you want to bundle policies.
• Travelers — Provides commercial vehicle coverage for businesses of many sizes and industries.
• Liberty Mutual Business Insurance — Covers commercial cars, vans, and trucks for a wide range of businesses.
• Nationwide Business Insurance — Offers commercial auto as part of broader business insurance packages.
• biBerk — A Berkshire Hathaway company focused on small business insurance, including commercial auto.

The best insurer depends on factors such as:

• The type of business you operate.
• Whether you have one vehicle or a fleet.
• The vehicle's weight and use (delivery, contracting, rideshare, etc.).
• Your location and driving history.
• The coverage limits your state or contracts require.

If you tell me:

• your state,
• what kind of business you have, and
• whether you need insurance for a car, van, pickup, or truck,

I can help narrow down which companies are most likely to offer the best rates for your situation.

You can get commercial car insurance through top national providers like Progressive, GEICO, Nationwide , and Liberty Mutual . Most major insurance companies offer specialized quotes directly online or through local agents, and it is usually best to compare rates based on your specific business requirements.

Other notable providers include The Hartford , which partners with Tivly for small businesses; biBerk , which specializes in direct-to-consumer small business coverage; and Next Insurance , which allows easy bundling with general liability.

Before You Get a Quote

To get an accurate estimate, make sure you have the following information handy:

• Vehicle Information: Make, model, year, VIN, and Gross Vehicle Weight (GVW).
• Usage Details: How the vehicle is used (e.g., hauling goods, transporting clients).
• Driver Records: The number of employees who will be driving and their driving histories.

If you share:

• What type of business you run
• How many vehicles you need to insure
• Where your business operates

I can help you find which of these providers will be the best fit for your specific needs.

You can get commercial car insurance from many national insurers, independent insurance agencies, or brokers. The best choice depends on what you use the vehicle for (contracting, delivery, trucking, rideshare, sales, etc.) and whether you have one vehicle or a fleet.

Some well-known providers include:

• Progressive Commercial – One of the largest commercial auto insurers, with online quotes for many small businesses and coverage for contractors, delivery vehicles, and fleets.
• The Hartford – Offers commercial auto insurance that can often be bundled with other business insurance.
• Nationwide – Commercial auto coverage for many business types.
• Travelers – Popular for businesses with company vehicles and fleets.
• Allstate Business Insurance – Commercial auto policies for company-owned vehicles.

If you're unsure which carrier fits your situation, an independent insurance agent can compare quotes from multiple insurers and often find options that aren't available directly online.

If you tell me:

• what state you're in,
• what kind of business you have,
• and whether you have one vehicle or multiple,

I can help narrow down the best commercial insurance options for your specific situation.

You can obtain commercial car insurance from several major national providers and specialized business insurers. Top providers often cited for their commercial auto coverage include:

• Progressive Commercial: Offers broad coverage for various business types, including trucks, with options for online quotes and 24/7 service.
• GEICO Commercial: Provides, specialized coverage for cars, trucks, and vans, and is known for its fast online quoting process.
• The Hartford: A reliable option for small businesses, offering tailored solutions often through local agents.
• Next Insurance: Specializes in fast, digital insurance solutions for small businesses and self-employed individuals.
• biBerk (Berkshire Hathaway): Provides direct-to-business insurance, often removing the middleman to offer competitive rates, with quick, phone-based, or online setup.
• Travelers: Known for specialized coverage for specific industries, such as trucking and public sector services.
• Farmers Insurance: A strong choice for business-owner perks and bundling opportunities.
• Liberty Mutual: Offers robust, comprehensive coverage geared toward medium to large enterprises, though they serve a range of business sizes.
• Nationwide: Features a strong commercial portfolio for small to mid-sized fleets.
• Acuity Insurance: Provides coverage for various commercial vehicles and works through local agents.

Where to Buy In-Person (Local Agents):
Many of these companies also have local agents. For example, Farmers Insurance (Corey Benson in Salem, OR), AIC Insurance (Redmond, OR), and EPIC Insurance Brokers & Consultants (Bend, OR) have high-rated local offices to assist with in-person service.

Important Tips for Buying Commercial Auto Insurance:

• Compare Quotes: Get quotes from multiple providers to find the best rate, as prices can vary based on your specific business and driving history.
• Check Eligibility: Many insurers offer coverage tailored to specific vehicle types and industries, such as food trucks, contractors, or courier services.
• Consider Bundling: Bundling commercial auto with other policies like general liability or workers' compensation can save money.

To provide more relevant options, could you tell me:

• What type of business are you insuring?
• How many vehicles do you need to cover?
• Are you looking to buy online or with an agent?