Top 10 commercial auto insurance companies of 2025 by market share

Progressive is a standout choice thanks to its coverage options and packages. It insures a variety of vehicles, including cars, vans, trucks and trailers. It also has insurance product packages for certain professions, such as contractors. These packages provide comprehensive insurance protection for everything from a contractor's pickup truck to their tools and equipment.

Progressive is one of the only commercial auto insurers that allows customers to get quotes and purchase business coverage entirely online, making it a good choice for those who want to shop around on their own or buy coverage quickly.

You can also buy coverage over the phone or by visiting an agent in person, but pricing varies based on the purchase method.

Progressive, however, isn't available everywhere; if you live in Washington, D.C., you'll have to get commercial auto coverage from another provider.

Progressive has an "A+" rating from AM Best as of April 2025, indicating that the insurance credit rating agency believes the company has a strong financial outlook and is likely to be able to pay out its future claims.

The company received a "C" rating from The Crash Network, which issues a report that scores insurers based on surveys completed by mechanics and body shop workers. Large insurers tend to score poorly on this report; Progressive has one of the highest ratings for a large insurer.

Unlike most companies that require you to contact an agent to get details about policies and pricing, Progressive allows commercial auto insurance customers to get quotes and purchase insurance online.

Policies range from $257 to $1,041 per month for commercial auto coverage depending on the type of insurance you need.

Reviews of Progressive’s commercial auto business are mixed.

Its NAIC complaint index, which is based on the number of complaints filed against the company with state insurance regulators compared to that company’s market share, is a 0.87, which is good for a company of this size.

On TrustPilot, the review website, Progressive has a 1.6 out of a possible 5 TrustScore. However, reviews are mainly from personal insurance customers rather than commercial customers, so those reviews may not reflect the typical experience.

Travelers is a leading provider of commercial auto insurance in all 50 states. Besides standard commercial auto insurance products like liability coverage, physical damage protection and collision insurance, it also has a variety of optional add-ons.

Depending on your needs, you can purchase auto lease gap coverage, liability and physical damage coverage for employees who rent vehicles in their own names and blanket additional insured protection — a useful perk that provides protection for all of your drivers that eliminates the need to list each covered person.

However, Travelers doesn't offer online quotes, and you can only get additional pricing details by working with an agent.

Travelers has a stellar "A++" rating from AM Best as of August 2024, indicating that it's a financially sound insurer, and it has a "C" rating from The Crash Network — a better-than-usual rating for such a large insurer.

Travelers doesn't disclose its pricing, nor does it have an online quote tool.

On TrustPilot, Travelers has a TrustScore of 1.7 out of five, but that score is based mainly on reviews that concern personal insurance products.

With the NAIC, Travelers' commercial auto complaint index was 0.29 for 2024, meaning the company received fewer complaints than is typical for a company of its size.

Old Republic Group is a leading commercial insurer that offers auto coverage through its subsidiaries. For large fleet owners or those who operate freight vehicles, it’s a useful option since it has specialty coverage options, including bulk commodity insurance, cargo insurance and excess limits for catastrophic losses.

Coverage options, limits and customer service will vary by the subsidiary issuing your policy, and the company doesn't offer online quotes or pricing.

The Old Republic Group has an A+ rating from AM Best as of April 2024, but it was not evaluated or graded in the The Crash Network report.

Old Republic and its subsidiaries do not offer online quote tools or make pricing information public; you must work with an agent to receive quotes.

The Old Republic Group doesn’t have a TrustScore on TrustPilot, but it has an NAIC complaint index of 0.75 for 2024. That number means the company received fewer complaints than expected for an insurer of its size.

For business owners with several vehicles or larger fleets, Liberty Mutual offers robust coverage options and industry-specific insurance packages to properly protect your business. It also provides tools like guides on creating a fleet safety program and telematics. Plus, the insurer has received fewer-than-usual complaints for its commercial auto segment.

However, those used to a digital insurance experience may be frustrated by the insurer. It has limited online functionality, and all claims must be submitted over the phone; you can't file online.

Liberty Mutual has an “A” rating from AM Best as of August 2024, but its other ratings are less positive. The Crash Network gave the company a “D+” rating — a lower-than-usual grade — indicating that body shops and mechanics found the insurer to be slow to respond and handle claims efficiently.

Liberty Mutual doesn't offer online quotes through its own site, nor does it disclose typical costs.

According to the NAIC, Liberty Mutual’s commercial auto complaint index was 0.71 in 2024, so it received fewer complaints than is typical for its size. However, it has a TrustScore of 1.1 out of five based on more than 400 reviews.

Berkshire Hathaway has a lengthy list of commercial auto coverage options and add-ons through its subsidiaries, and several of its subsidiaries offer online tools and quotes. The company has stellar financial stability ratings — important when choosing an insurer since it reflects the company's ability to pay out claims.

However, coverage options, functionality and pricing varies by the subsidiary issuing the policy.

Berkshire Hathaway has an “A++” rating from AM Best as of April 2025, the best possible rating for financial stability.

It was not evaluated or graded by The Crash Network.

We were able to get quotes through biBerk, one of Berkshire Hathaway's subsidiaries. In general, it was more expensive than other options, with a basic policy for a single sedan costing more than $300 per month.

The Berkshire Hathaway auto insurance segment is not rated on TrustPilot. However, the company has a NAIC complaint index of 3.5 (based on the rating of its National Liability & Fire Insurance unit), indicating it receives more complaints than would be expected for a company its size.

Zurich specializes in coverage for larger businesses and corporations. As an international insurer, it's best for companies that operate in multiple countries or have international clients and may need help navigating international insurance issues.

Zurich has some specialty insurance products, including suites of insurance coverage for car rental businesses and other industries, such as airport shuttles and garage liability protection.

Zurich provides very little information about its policies online; since it mainly focuses on larger companies, it doesn't list detailed policy information for small business owners, and online quotes aren't available.

Zurich has high ratings for financial stability; AM Best issued it an “A+” rating as of November 2024. However, Zurich was not evaluated or graded in The Crash Network report.

Zurich doesn't have an online quote tool, nor does it disclose its typical pricing online.

Zurich has a slightly higher-than-usual complaint index for its size. On TrustPilot, it has a TrustScore of 1.4 out of five based on more than 300 reviews.

The Auto-Owners Group is an excellent choice for small business owners, solopreneurs and independent contractors. It has several coverage options, including specialty products like gap coverage, and business owners can take advantage of the insurers discount programs to reduce their premiums. Discounts include paid-in-full discounts, fleet monitoring discounts and group or affinity discounts.

Auto-Owners Group isn't available in all states, and it doesn't offer online quotes, so those who prefer a digital insurance experience may be frustrated by the company's offerings.

The Auto-Owners Group has an AM Best rating of “A+” — one of the highest possible rating — as of October 2024. And the insurer received a “B” grade from The Crash Network, the best grade among the top commercial auto insurance companies we ranked.

The company doesn't have an online quote tool.

Although the company’s TrustScore is relatively low — 2.0 out of five — it scored better than average for a major insurer.

Plus, the company has a lower-than-usual complaint index with the NAIC, showing that it receives fewer complaints than other large insurers.

State Farm has robust coverage options and customizable insurance products, making it a good fit for landscapers, contractors and others that need to insure expensive equipment along with their vehicles. It offers coverage in all 50 states, and business owners may qualify for special discounts on their policies.

However, State Farm has a mixed reputation for customer support for its commercial auto business, with a higher-than-usual number of complaints and a C- grade from The Crash Network.

State Farm has the best-possible rating for financial stability, A++ as of October 2024 from AM Best, but it has a slightly lower than average grade from The Crash Network.

State Farm doesn't have an online quote tool, nor does it release pricing information online.

On TrustPilot, the company has a TrustScore of 2.2 out of five, and it has an NAIC complaint index of 1.4, so it received more than the expected number of complaints for a company its size.

W.R. Berkley has specialty coverage options, including garage liability, motor truck cargo and excess auto liability protection, and it offers coverage for large fleets.

Online quotes aren't available, and policy options and customer service will vary by the issuing subsidiary.

W.R. Berkley has an "A+" rating from AM Best as of June 2024. It was not rated by The Crash Network.

Online quotes aren't available.

Berkley doesn't have any ratings on TrustPilot. It has an NAIC complaint index of 0.45, indicating it has fewer complaints than expected for a company its size.

The Hartford is a good fit for small business. It is one of the few insurers that allows customers to submit claims and request coverage changes online, making policy management convenient.

The company publishes average rates for many of its policies online – including commercial auto -- so you can see how much you might pay for certain types of coverage.

The Hartford, according to The National Association of Insurance Commissioners, gets fewer complaints than expected for a company of its size.

However, small businesses might be interested to know that J.D. Power’s 2024 U.S. Small Commercial Insurance Study, which was released in August 2024, ranked The Hartford slightly below its average customer satisfaction score.

The Hartford has a strong "A+" rating from AM Best as of June 2024, indicating that it's financially sound, and it has a "C' rating from The Crash Network, which conducts a nationwide survey asking body shops to grade insurers based on claims handling policies, attitude and payment practices.

The Hartford says that, on average, its commercial auto insurance customers pay $574 a month, or $6,884 a year, but notes that prices vary greatly depending on the business, the number of vehicles operated and other factors.

The Hartford has a TrustPilot TrustScore of 1.6 out of five. The company’s complaint index (we used The Hartford Fire Insurance Company) is 0.94, meaning the company received fewer complaints than is typical for a company of its size.