From the traffic of Atlanta to the small businesses operating in Savannah and beyond, companies in Georgia rely on their vehicles every day. Whether you’re a contractor traveling to job sites, a food truck serving local events, or a traveling sales professional, commercial auto insurance helps keep your business protected on the road. GEICO’s commercial auto insurance offers flexible options to businesses across Georgia.
Commercial auto insurance protects vehicles used for business purposes. Unlike a personal auto policy, which covers everyday driving activities, a commercial auto policy accounts for the additional risks associated with driving a business vehicle. These policies typically offer higher liability limits and the ability to insure multiple vehicles and drivers under one policy.
If an accident occurs while an employee is using your business vehicle, commercial auto insurance helps pay for the damages. To ensure you’re financially covered, list all employees who drive your company vehicles on your policy.
If you use a vehicle for work-related tasks in Georgia, a personal auto policy likely isn’t enough. However, every policy is different, so confirm with your insurer what tasks are allowable under your personal auto policy. Vehicles titled in a business name that exceed a certain weight, or are used for business activities, usually require commercial auto insurance. Common professions that benefit from commercial auto insurance in Georgia include:
In Georgia, as in most states, businesses are required to carry a minimum amount of liability coverage to protect the people on its roads. Georgia’s state minimum liability limit is known as a split limit, meaning the dollar amounts payable by your insurer for bodily injury and property damage are split into the category groups below.
| Coverage Type | Minimum Requirement in Georgia |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
The commercial auto insurance minimums required by Georgia law are a solid starting point, but they don’t cover every situation you might face. Many business owners add coverages like the following to their policies for greater protection:
Georgia businesses that rely on larger commercial vehicles may need to meet federal safety and registration requirements. The Federal Motor Carrier Safety Administration (FMCSA) and the U.S. Department of Transportation (USDOT) require companies to obtain a USDOT number if their vehicles weigh 10,001 pounds or more.
FMCSA rules may also mandate routine vehicle inspections, up-to-date driver qualification files, and adherence to hours-of-service guidelines. Depending on your industry, Georgia businesses may also be required to keep detailed records and implement drug and alcohol testing programs for their drivers.
GEICO’s commercial auto policies cover multiple types of vehicles in Georgia, including:
The cost of commercial auto insurance in Georgia depends on several factors, including your industry, the vehicle you drive, and what your vehicle is used for. Your driving history and coverage limits also help determine your premium. However, the size of any previous claim settlements generally doesn’t impact the cost of your insurance.
GEICO offers commercial auto insurance payment plans to help Georgia businesses get the protection they need without stretching their budgets.
Looking for ways to lower your premium? GEICO offers various commercial auto insurance discounts and savings opportunities in Georgia, including:
Georgia business owners trust GEICO because we make commercial auto insurance simple, affordable, and reliable. With our tailored coverage options, you’ll get protection that fits the way you use your vehicles, whether you’re in Augusta, Athens, or anywhere in between.
GEICO partners with trusted carriers to offer optional coverages like General Liability (GL) and Business Owner’s Policies (BOPs), providing you with the flexibility to protect your business on and off the road. With competitive rates and a history of helping drivers across the nation, GEICO is a wise choice for keeping your business moving.
Ready to protect your business vehicles in the Peach State? Get a fast, free Georgia commercial auto insurance quote from GEICO, or contact us for guidance you can count