What it covers
- Liability for injuries and damage your vehicle causes to others.
- Damage to your own vehicle from a crash, theft or weather, if you add it.
- Medical payments for you and your passengers.
- Uninsured drivers who hit you and cannot pay.
Who needs it
Any business that owns, leases or regularly drives a van, truck or car for work, from contractors carrying tools to cleaners driving between clients. If you only use your own car now and then, ask about hired and non-owned auto cover, which is often added to a general liability policy instead.
What it costs
Price is set mostly by the vehicle, who drives it and their records, how far and where it goes, and the limits you choose. Most states set a minimum liability limit for any vehicle on the road. Insureon’s $245 median covers policies at any limits, and 40% of its customers pay under $200 a month.
Disclaimer: Informational only, not insurance advice or a substitute for a licensed agent. Coverage descriptions are summaries; policy terms govern. Availability and pricing vary by state and business; all figures shown are illustrative benchmarks, not quotes or offers.