Commercial Auto Insurance in Nevada

If you use a vehicle for your business in Nevada, you may need commercial auto insurance to stay protected on the road. GEICO offers reliable coverage designed to meet the needs of small businesses, independent contractors, and self-employed professionals alike. From Las Vegas to Reno and everywhere in between, we make it easy to get commercial auto insurance in Nevada that fits your operation with competitive rates, flexible options, and knowledgeable support every step of the way.

What is Commercial Auto Insurance in Nevada?

Commercial auto insurance in Nevada provides coverage for vehicles used primarily for business purposes, like making deliveries, transporting tools, or driving between job sites. While personal auto insurance covers your day-to-day driving, it typically doesn’t apply when you’re using your vehicle for work. A commercial policy helps protect your business from costly liability claims and more, depending on the coverage you choose. It also offers coverage for personal use of your business vehicle. If your vehicle is part of how you earn a living, commercial auto insurance in Nevada can give you the protection your business needs to keep moving forward.

Who Needs Commercial Auto Insurance in Nevada?

If you use your vehicle to support your business in any way, there’s a good chance you need commercial auto insurance. Nevada law may require a commercial policy depending on how your vehicle is used, what it’s carrying, or who’s driving it. Here are some common professions and business types that typically benefit from commercial coverage:

• Electricians, plumbers, and HVAC professionals who transport tools and equipment to job sites.
• Carpenters, painters, and other contractors using vehicles for material transport.
• Landscapers and plow services that rely on trucks and trailers for seasonal work.
• Caterers and food vendors delivering food or operating mobile kitchens.
• Long-haul trucking operations that travel across state lines with commercial cargo.
• Sales professionals who drive regularly to meet clients or attend appointments.
• Others such as main street retailers that make deliveries and restaurants that deliver.

Minimum Nevada Commercial Auto Insurance Requirements

Like most states, Nevada requires all drivers to carry a minimum amount of liability coverage.

Optional Commercial Auto Coverages & Add-Ons in Nevada

Nevada’s minimum commercial auto insurance coverages are a great starting point, but many businesses choose to add additional coverages for more protection, such as:

• Collision Coverage: Pays for damage to your vehicle from a collision, regardless of fault.
• Comprehensive Coverage: Covers non-collision incidents, such as theft, vandalism, or weather damage.
• Medical Payments Coverage: Helps with medical expenses for you and your passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver with too little or no insurance.

Types of Vehicles Covered in Nevada

Create a bulleted list of the types of vehicles covered by commercial auto policies

• Business Vehicles: Company cars, SUVs, and pickups used for business errands or deliveries.
• Contractor Vehicles: Work vans and trucks for transporting tools and equipment.
• Delivery & Service Vehicles: Vans or trucks for deliveries, repairs, or client visits.
• Food Trucks & Restaurant Vehicles: Food trucks, catering vans, and vehicles used for food delivery are protected against physical damage and damage to permanently attached equipment. However, food spoilage, foodborne illness, product liability (e.g., hot beverages), equipment breakdowns, and allergic reactions are not covered. Food-related illnesses fall under General Liability, as the customer is considered “injured” by the business.
• Heavy Trucks: Includes tractor-trailers, dump trucks, box trucks, flatbeds, and cargo & freight.
• Owner-Operator Trucks: Independently operated trucks or vans, including those leased to a company.
• Non-Trucking Liability: Coverage for trucks when not hauling cargo or under dispatch.
• Specialty Vehicles: Refrigerated trucks, buses, or other unique vehicles as needed.

FMCSA & USDOT Compliance for Commercial Vehicles in Nevada

Nevada requires intrastate carriers with vehicles over 26,000 pounds to register with the Federal Motor Carrier Safety Administration (FMCSA) and display a valid USDOT number on their vehicles. Once registered, you’ll need to follow federal rules like routine vehicle inspections, driver qualification files, and Hours-of-Service tracking. The Nevada Highway Patrol helps enforce these regulations through safety audits and roadside checks.

Factors Affecting the Cost of Nevada Commercial Auto Insurance

The cost of commercial auto insurance in Nevada depends on factors like the type of vehicle you use, how often you drive it for work, and the kind of business you run. Your driving history, coverage limits, and even where your business is located can also affect your rate. GEICO offers commercial auto insurance payment plans to help Nevada business owners get the reliable coverage they deserve at a price they can afford.

How to Save on Commercial Auto Insurance in Nevada

Looking for more ways to save on your policy? GEICO offers multiple commercial auto insurance discounts, including:

• Pay in Full: You can save money by paying your entire bill at once instead of monthly payments.
• DriveEasyPro Rewards and Savings: Our telematics program can reward you with lower rates for safe driving. DriveEasy Pro is designed to help you understand your driving habits and may help you unlock savings.
• Vehicle Equipment Features: Business vehicles with certain safety features such as anti-lock brakes, airbags, anti-theft devices, or auxiliary running lamps may qualify for lower rates.
• Good Driving Record: Drivers with clean driving records may qualify for lower rates because they’re less likely to be involved in accidents.
• Defensive Driving Discount: Eligibility varies by state, but completing a defensive driving course may help you save even more.
• CDL Experience Discount: Based on the number of drivers with a Commercial Driver’s License (CDL), your business may be eligible for extra savings.

Why Choose GEICO for Nevada Commercial Auto Insurance?

Nevada businesses count on GEICO for commercial auto insurance that delivers outstanding service at an affordable price. We offer flexible coverage options backed by one of the most trusted names in insurance. Whether you're driving through Sparks or heading to a job site in Elko, our commercial policies are built to keep your business protected without slowing you down.

With fast, efficient claims handling, we help minimize downtime so you can stay focused on the work that matters most. From coverage options to dedicated customer service, GEICO makes it easy to get the protection you need on the road.

How to Get a Nevada Commercial Auto Insurance Quote from GEICO

Ready to protect your business’s vehicles in The Silver State? Get a fast, free Nevada commercial auto insurance quote from GEICO, or contact us for personalized guidance you can trust.