Best Commercial Auto Insurance for Small Business
Commercial auto insurance is legally required for any vehicle used for business. Here are the best carriers for commercial auto in 2026, ranked by fleet size and business type.
Progressive Commercial
Best for: Businesses needing commercial auto (especially trucking and fleets)
Coverage: Commercial Auto, General Liability, BOP, Workers' Comp
Typical GL cost: $60–$150/month
Typical BOP cost: Varies
AM Best rating: A+ (Superior)
Notable: The largest commercial auto insurer in the US — best pricing for fleets and trucking
The Hartford
Best for: Businesses with employees needing comprehensive coverage including workers' comp
Coverage: General Liability, BOP, Workers' Comp, Commercial Auto, Cyber
Typical GL cost: $60–$150/month
Typical BOP cost: $80–$250/month
AM Best rating: A+ (Superior)
Notable: One of the largest US commercial carriers — strong for workers' comp and multi-state operations
Nationwide
Best for: Businesses wanting bundled business + personal insurance
Coverage: General Liability, BOP, Workers' Comp, Commercial Auto, Cyber
Typical GL cost: $60–$150/month
Typical BOP cost: $80–$250/month
AM Best rating: A+ (Superior)
Notable: Strong bundle discounts if you also have personal insurance (auto, home) with Nationwide
Next Insurance
Best for: Small businesses and independent contractors wanting instant online purchase
Coverage: General Liability, Professional Liability, Commercial Auto, Workers' Comp, BOP
Typical GL cost: $25–$80/month
Typical BOP cost: $50–$150/month
AM Best rating: A- (Excellent)
Notable: Digital-first, fully online purchase with same-day certificate of insurance
Side-by-side comparison
| Carrier | Best For | GL Cost | BOP Cost | AM Best |
|---|---|---|---|---|
| Progressive Commercial | Businesses needing commercial auto (especially trucking and fleets) | $60–$150/month | Varies | A+ (Superior) |
| The Hartford | Businesses with employees needing comprehensive coverage including workers' comp | $60–$150/month | $80–$250/month | A+ (Superior) |
| Nationwide | Businesses wanting bundled business + personal insurance | $60–$150/month | $80–$250/month | A+ (Superior) |
| Next Insurance | Small businesses and independent contractors wanting instant online purchase | $25–$80/month | $50–$150/month | A- (Excellent) |
Which carrier should you choose?
For trucking and large fleets: Progressive Commercial. For comprehensive business coverage: The Hartford. For bundled business + personal: Nationwide. For 1–3 vehicles and fast coverage: Next Insurance.
Rates for identical coverage vary 20–30% between carriers. Get quotes from at least 3 before deciding.
Estimate your cost first
Before comparing quotes, know what you should expect to pay. Use these free calculators to see benchmarks for your industry and revenue: