Commercial auto insurance is essential for businesses that use vehicles for work, whether it’s a single delivery van or a large fleet of trucks. In 2025, several insurers stand out in the USA for offering reliable coverage, strong financial stability, and excellent customer service.
Top Insurance Companies
Progressive – The largest provider in the commercial auto segment, known for flexible policies, affordable premiums, and fleet management options.
Travelers – Offers comprehensive protection with a strong claims network, ideal for medium to large businesses.
Old Republic Insurance – Specializes in niche industries and high-risk fleets, making it a good choice for companies with unique needs.
Liberty Mutual – Provides customizable policies and strong liability coverage, suitable for businesses wanting flexibility.
Nationwide – Balances affordability with service, making it a popular choice for small and mid-sized businesses.
Geico – Best for small companies and startups, offering simple and affordable commercial vehicle coverage.
Key Coverage Options
- Liability Insurance: Protects against damages to third parties in accidents.
- Collision and Comprehensive: Covers your own vehicles in case of accidents, theft, or natural disasters.
- Uninsured/Underinsured Motorist: Provides security if the other driver has little or no coverage.
- Medical Payments: Covers medical expenses for drivers and passengers.
- Additional Add-Ons: Roadside assistance, rental reimbursement, and custom equipment protection.
Market Trends in 2025
Insurance costs have risen in recent years due to higher repair expenses and accident claims, but rate increases are starting to stabilize. Businesses are focusing on policies that offer the right mix of affordability and strong claim support. Fleets with safe driver records and telematics tracking often enjoy lower premiums.
Choosing the Best Policy
When selecting commercial auto insurance, businesses should consider:
- The number and type of vehicles in use
- Driving routes and mileage
- Driver safety records
- Policy limits and deductibles
- Ease of claims and customer support
Final Word
The best commercial auto insurance in 2025 depends on your business size, vehicle type, and budget. Progressive leads for overall market share and flexibility, Travelers and Liberty Mutual excel in full coverage for fleets, while Geico and Nationwide are solid options for smaller businesses.