Progressive pros

  • Is the largest commercial auto insurance company by market share
  • Offers many discounts to commercial customers
  • Sells commercial auto insurance in all 50 states

Berkshire Hathaway pros

  • Has the highest possible financial stability rating
  • Offers a broad range of coverage options
  • Provides online quotes and policy sales at some subsidiary websites

How Progressive’s market share compares with Berkshire Hathaway’s

Progressive is the largest commercial auto insurance company by market share. It has just under 15% of the total market share for commercial car insurance, as of March 2025, according to the NAIC. Berkshire Hathaway is the fifth-largest commercial auto insurer with 3.7% of the market.

How Progressive’s direct premiums written compares with Berkshire Hathaway’s

Progressive has $10.8 billion in direct commercial auto insurance premiums written as of March 2025. Berkshire Hathaway has about $2.6 billion. 

How Progressive’s NAIC complaint data compares with Berkshire Hathaway’s

When evaluating commercial car insurance companies, it’s a good idea to check the NAIC complaint index. The complaint index tracks the number of complaints an insurer receives compared to its market share.

An index of 1.0 means the company receives the expected number of complaints for its size. A score above 1.0 means it receives more complaints than expected, and a score below 1.0 means fewer complaints.

In 2024, Progressive’s NAIC complaint index was 0.87.  Berkshire Hathaway subsidiary National Liability & Fire Insurance Company’s complaint index was 3.5. 

How Progressive’s AM Best rating compares with Berkshire Hathaway’s

One of the most important considerations when choosing a commercial auto insurance company is financial stability. Before you pick an insurer, it’s a good idea to check its rating from AM Best, a credit rating agency that grades insurance companies based on their ability to meet financial obligations and pay claims. 

Progressive and Berkshire Hathaway are both financially strong. As of April 2025, Progressive’s rating was A+, while Berkshire Hathaway boasts an A++, the highest rating possible.

How Progressive’s rates compare with Berkshire Hathaway’s rates

Progressive’s national monthly average is $257 – or $3,083 a year – for contractor autos and $1,041 – or $12,492 a year –  for for-hire transport trucks, according to the company’s website.

Berkshire Hathaway's subsidiary biBerk publishes sample rates online for certain vehicle types, including:

  • For-hire trucking: $5,000 to $15,000 per vehicle per year
  • Livery vehicles: $2,000 to $6,000 per vehicle per year
  • Smaller vehicles used for commuting: $600 to $1,500 per vehicle per year

But remember, commercial car insurance premiums are different for every business. Rates depend on a variety of factors, like your location, coverage options, vehicle types, driving history and industry.

To give you an idea of how much your insurance might cost, Insureon, a small-business insurance agency,  says the average cost for a commercial auto policy is $147 per month, or $1,762 annually.

Can I buy a Progressive policy online?

Progressive offers instant online quotes for commercial auto insurance. Depending on your business, you might also be able to purchase a Progressive commercial auto policy online. If you’re unable to buy coverage through the website, you can call (888) 806-9598 or contact an independent agent to get started.

Can I buy a Berkshire Hathaway policy online?

To buy a commercial car insurance policy from Berkshire Hathaway, you’ll need to choose the subsidiary that’s right for your industry and coverage needs. Once you select a subsidiary, you can call the company directly to start the purchase process. 

Here’s a list of the companies that underwrite commercial auto insurance for Berkshire Hathaway, and how you can get a quote:

  • Berkshire Hathaway Homestate Companies: Call (800) 488-2930
  • Guard Insurance Companies: Call (800) 673-2465
  • Three: Online quote or call (800) 507-4495
  • biBerk: Online quote or call (844) 472-0967

Types of coverage Progressive offers

Progressive mostly offers standard commercial car insurance policies. Here are the types of coverage available:

  • Liability: Pays up to $1 million for injuries to others as well as damage to other cars or property when your driver is at fault for the accident.
  • Collision: Pays to repair or replace your vehicle if you hit another vehicle or object.
  • Comprehensive: Pays to repair or replace the vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage. 
  • Uninsured/underinsured motorist (UM/UIM): Pays for damage and injuries when another party hits you but doesn’t have any or enough liability insurance to cover the loss. 
  • Medical payments: Pays for medical bills incurred by your driver or passengers regardless of fault in the accident.

You can also ask about add-on coverage, like towing insurance, roadside assistance, gap insurance or rental car coverage. You can speak to an agent to find out what endorsements are available in your state.

Types of coverage Berkshire Hathaway offers

Berkshire Hathaway offers commercial auto insurance through its subsidiaries. There are five areas that most Berkshire Hathaway commercial auto insurance policies cover:

  • Liability: This pays for injuries to others as well as damage to other cars or property when your driver is at fault for the accident.
  • Collision: This pays to repair or replace your vehicle if it strikes another object, overturns, rolls or is in a collision with another vehicle where your driver is at fault for the accident.
  • Comprehensive: This pays to repair or replace the vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage. 
  • Uninsured/underinsured motorist (UM/UIM): This pays for damage and injuries when another party hits you but doesn’t have any or enough liability insurance to cover the loss.  
  • Medical payments: This pays for medical bills incurred by your driver or passengers regardless of fault.

Some of Berkshire Hathaway's subsidiaries might also offer add-on coverages. To find out what coverage options are available for your business, you can speak to an agent. 

Types of commercial vehicles Progressive covers

Progressive covers a wide range of commercial vehicles, including:

  • Passenger vehicles
  • Vans
  • Light trucks
  • SUVs
  • Dump trucks
  • Tractor trailers
  • Pickup truck utility trailers
  • Dump body trailers

Types of commercial vehicles Berkshire Hathaway covers

Berkshire Hathaway’s commercial auto policies are available for the following types of business vehicles: 

  • Cars
  • Limousines
  • Pickup trucks
  • Buses
  • Food trucks
  • Motorhomes
  • Tractor tractors
  • Motorcycles
  • Emergency vehicles
  • Delivery vans
  • Tow trucks
  • Box trucks
  • Flatbed trucks

Who should get Progressive’s policy?

Progressive offers many commercial auto discounts, with savings for continuous insurance, paying in full, enrolling in the Smart Haul Program – a usage-based driving program for for-hire truckers – insuring your personal vehicle with Progressive and others.

Additionally, Progressive offers good benefits, like flexible payment plans, 24/7 customer service, trained claim representatives and a telematics-based rewards program called Snapshot ProView. Progressive is also financially strong and records a relatively low number of complaints.

Progressive may be a good insurance company for business owners who want to purchase coverage and manage their policies on their own. Through Progressive, you can get a quote online and, for selected businesses, purchase a policy. There are also tools for managing your policy and filing claims online.

Who should get Berkshire Hathaway’s policy?

Berkshire Hathaway stands out for its superior financial stability rating, which is one of the most important factors to consider when choosing a commercial car insurance company. Its A++ score is the highest AM Best rating possible, indicating that the company can meet its obligations and is not at risk of going out of business.

However, some of Berkshire Hathaway’s subsidiaries receive many more complaints than expected for their size. 

Berkshire Hathaway’s coverage options, functionality and policy rates will vary depending on the subsidiary issuing the policy. If you’re thinking about purchasing commercial auto insurance from Berkshire Hathaway, you might need to research several subsidiaries in order to find the best one for your needs.