Commercial Auto Insurance
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Find the right commercial auto insurance for your business.
Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business purposes such as cars, trucks and vans. Commercial auto insurance covers vehicle damage and driver injuries.
If you use your vehicle(s) as part of your business, get your free online commercial auto insurance quote from GEICO today. We've been doing this for over 70 years, and we work hard to provide the specialized auto insurance coverage your business needs, at a great price. Whatever the size of your business, we'll help customize a policy that works for you.
What is commercial auto insurance?
Commercial auto insurance covers business vehicles for things like:
- Damage to your vehicle(s)
- Driver injury
- Injury to someone else
- Damage to someone else's property
Commercial auto policies tend to have higher coverage limits than personal policies, because business vehicles need more protection in case of accidents.
Similar to your personal auto insurance policy, commercial auto insurance covers liabilities, collisions, comprehensive, medical payments (or personal injury protection), and uninsured motorists. Please note that there are also differences between a commercial auto insurance policy and a personal auto insurance policy including eligibility, definitions, coverages, exclusions, and limitations.
What type of vehicles are covered by commercial auto insurance?
- Pickup trucks
- Box trucks
- Service utility trucks
- Food trucks
We currently don't offer insurance for semi-trucks and tractor-trailers.
Who needs commercial auto insurance?
If you or your employees use your vehicle as part of your business, you need a commercial auto policy. We often cover vehicles used by:
- Electricians, plumbers, and HVAC professionals
- Carpenters, painters, and other contractors
- Landscapers and plow services
- Caterers and food vendors
- Other business types, like real estate and sales
If you drive for Uber, Lyft, or a delivery service like Amazon Flex or Grubhub, you need rideshare insurance instead.
Without commercial auto insurance, you risk:
- Limited or no coverage for accidents while using your vehicle for business
- Paying out of pocket for repairs, injuries, and more
- Losing your personal auto coverage
Getting a commercial auto insurance quote can be the first step in protecting you and your business. GEICO Commercial Auto Insurance covers your vehicle 24/7. That means whether you're working or not, your vehicle is protected!
Why GEICO for commercial auto insurance? Savings, service, and experience.
GEICO commercial auto insurance comes with outstanding service, flexible ways to manage your policy, and competitive rates.
Whatever your needs are, our commercial experts can help you with things like:
- Adding or removing vehicles
- Updating drivers
- Adjusting coverage limits
- Adding insurance coverages like general liability
- Reporting and tracking claims
Online Policy Access
You can easily manage your commercial auto policy online. Log into your policy and you can:
- Make payments
- Enroll in autopay
- View payment history
- Check installment schedules
- Get ID cards or proof of insurance
We realize not all businesses are alike. GEICO's Commercial Auto policy gets you the best protection for your business at the best price for your budget. We'll help you with selecting:
- Coverage types
- Coverage limits and deductibles
Need to speak with us?
You can get a commercial insurance quote by calling (866) 509-9444
Mon — Fri8:00 AM — 9:00 PM (ET)
Mon — Fri8:00 AM — 9:00 PM (ET)
Mon — Fri8:00 AM — 8:00 PM (ET)
Sat9:00 AM — 5:30 PM (ET)
Commercial Auto Insurance FAQs: Get the answers you're looking for.
What does commercial auto insurance cover?Commercial auto insurance includes similar coverages to those on a personal auto policy, but there are some differences. You can read more about commercial coverages here.
Are tools and materials in my vehicle covered under a commercial auto policy?Unattached tools and materials transported in your vehicle are not covered by commercial auto insurance but could be covered as part of a business owner's or general liability policy.
If I have commercial auto insurance, who is covered to drive my commercial or business vehicle?Your commercial auto policy can cover a variety of drivers. See more on that here.
What if I need certain liability limits for a contract?We can help with your policy liability limits questions and documentation needs. Look here for available services.
Is my trailer automatically covered under my commercial auto policy?It depends on the gross vehicle weight. Check here for details on that.
What other types of business insurance does GEICO offer?On top of business auto insurance, GEICO sells a full line of business products you can review here.
Is commercial vehicle insurance required?Generally, if a vehicle is used for purposes related to the operator's occupation, profession, or business (other than commuting), a commercial policy is required.
Some discounts, coverages, payment plans, and features are not available in all states or in all situations. Commercial auto coverages are underwritten by GEICO General Insurance Company. GEICO is a registered service mark of Government Employees Insurance Company, Washington, DC 20076; a Berkshire Hathaway Inc. subsidiary. © 2020 GEICO