Progressive pros

  • Holds the largest share of the commercial auto insurance market 
  • Offers many discounts to commercial customers
  • Sells commercial auto insurance in all 50 states

Old Republic pros

  • Has a variety of specialty coverage options
  • Sells freight insurance and coverage for large fleets
  • Receives fewer complaints than expected for an insurer its size

How Progressive’s market share compares with Old Republic’s

Progressive is the largest commercial auto insurance company by market share. As of March 2025, Progressive has just under 15% of the market for commercial vehicle insurance, according to the National Association of Insurance Commissioners (NAIC), the standard-setting and regulatory support organization overseen by the country’s top insurance regulators. Old Republic is the third-largest insurer, with 4.1% of the total market share, according to the NAIC.

How Progressive’s direct premiums written compares with Old Republic’s

Progressive has $10.8 billion in direct commercial auto insurance premiums written as of March 2025; Old Republic has about $2.9 billion. 

How Progressive’s NAIC complaint data compares with Old Republic’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.

Both companies received fewer complaints than expected for their size, but Old Republic has a slightly lower complaint volume than Progressive. For 2024, Progressive’s NAIC complaint index is 0.87, and Old Republic’s complaint index is 0.75.  

How Progressive’s AM Best rating compares with Old Republic’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 has an AM Best rating of A+, as of April 2025; Old Republic also has an  A+ rating as of April 2024. A+ is considered superior. 

How Progressive’s rates compare with Old Republic’s rates

The average Progressive commercial auto customer spends between $257 and $270 per month on commercial auto insurance, according to Progressive’s website. Old Republic doesn’t advertise its commercial auto insurance rates online. 

To compare rates from these two insurers, you’ll need to get personalized quotes.

But note: Commercial car insurance premiums are different for every business. Rates depend on many factors, including 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 an Old Republic policy online?

Old Republic sells commercial auto insurance through a network of subsidiaries. Each underwriter specializes in a different industry, such as construction, manufacturing, healthcare, retail or aerospace.

To purchase a commercial car insurance policy from Old Republic, you’ll need to choose the Old Republic subsidiary that’s right for your industry and coverage needs. You can learn more about the subsidiaries on Old Republic’s website. 

Once you select the right subsidiary, you can contact the company directly to get a quote and purchase a policy. Here’s a list of the insurers that underwrite commercial auto insurance and their main phone number: 

  • BITCO Insurance Companies: (800) 475-4477
  • Great West Casualty Company: (800) 228-8602
  • Old Republic Insurance Company of Canada: (800) 530-5446
  • Old Republic Insured Automotive Services: (800) 331-3780
  • Old Republic Risk Management: (262) 797-3400
  • Old Republic Specialty Insurance Underwriters: (224) 283-6434
  • PMA Companies: (800) 222-2749

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 your vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage. 
  • Uninsured/underinsured motorist (UM/UIM): Pays for your damage and injuries after an accident that wasn’t your fault and when the other party doesn’t have any or enough liability insurance to cover the loss. 
  • Medical payments: Pays for injuries regardless of fault.

Most insurers also offer add-on policies, 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 Old Republic offers

Each Old Republic subsidiary offers different types of coverage. These five coverages are standard with most Old Republic commercial auto insurance policies:

  • 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 a collision, such as vandalism, fire or storm damage. 
  • Uninsured/underinsured motorist (UM/UIM): This helps pay for damage and injuries associated with an accident that wasn’t your fault when the other party doesn’t have any insurance or lacks sufficient coverage for the loss. 
  • Medical payments: This protects your driver and passengers and helps pay for injuries they incur regardless of fault.

Depending on the Old Republic subsidiary you choose, you can also get optional endorsements, like bulk commodity insurance, cargo insurance, gap insurance, vehicle service contracts and excess liability limits for catastrophic losses.

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 Old Republic covers

Old Republic sells commercial auto insurance for the following vehicles:

  • Passenger vehicles
  • Vans
  • Light trucks
  • Dump trucks
  • Tractor trailers
  • Freight trucks
  • Dump body trailers

Who should get a Progressive policy?

Progressive is a great option for business owners who want to work with the largest commercial auto insurance company. Progressive says it insures more than 1.9 million commercial vehicles. You can purchase coverage in all 50 states, so it’s an option for small business owners across the country. 

Progressive offers good benefits, like flexible payment plans, 24/7 customer service, trained claim representatives, and multiple discounts for potential savings. The company also has a telematics-based rewards program called Snapshot ProView, which can help you save between 8% and 20% on your premium if you enroll three or more vehicles.

In addition, Progressive can be a good insurance company for small business owners who want to purchase coverage and manage their policies on their own. Progressive is one of the only commercial auto insurance companies that has online quotes and policy sales (for select businesses). You can also manage your policy and adjust your coverages through an online customer portal. 

Who should get an Old Republic policy?

Old Republic is an excellent commercial auto insurance company to consider if you’re looking for specialty coverage. The company’s subsidiaries offer various insurance solutions tailored to the needs of small businesses in different industries. The company also employs dedicated agents and claim handlers with experience in specific industries.

Like Progressive, Old Republic gets fewer complaints than expected for its size and it is financially strong. However, Old Republic has more limited online capabilities. To get a quote or purchase a policy, you must select the right subsidiary for your business and call an agent.

Old Republic offers commercial auto insurance coverage to business owners in all 50 states. When shopping for coverage, however, keep in mind that some of the company’s subsidiaries may not underwrite commercial car insurance in every state. Also, the policy costs and coverage options will vary by subsidiary.