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.
Get a real price
These figures are estimates. Only an insurer can give you a real price.
Direct online insurer
Fill in a form and see a price on screen. Best for simple businesses.
Example: Hiscox. Rated A (Excellent) by AM Best. Sold in 49 states and DC.
Hiscox pays us when you get a quote. It does not change your price.
Online broker or marketplace
One form, several insurers compared. Best if you want more than one price.
Local independent agent
Talk it through by phone or in person. Best for higher-risk businesses.
Find an independent agent near you (free directory, no payment to us)
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.