California Commercial Auto Insurance
Protect your business vehicles and drivers with comprehensive commercial auto coverage. From delivery trucks to company cars, we've got you covered.
Trusted by 523+ California businesses
Save avg. $2,800/yr
Vehicle Types We Cover
Comprehensive commercial auto insurance for all types of business vehicles
Delivery Trucks
Box trucks, cargo vans, and delivery vehicles for logistics and e-commerce businesses.
Service Vehicles
Work trucks, utility vehicles, and specialized equipment for contractors and service providers.
Company Cars
Sedans, SUVs, and vehicles used by employees for business travel and client visits.
Specialty Vehicles
Food trucks, mobile services, construction equipment, and other specialized business vehicles.
Fleet Vehicles
Multiple vehicle coverage for transportation companies, delivery services, and large operations.
High-Risk Vehicles
Specialized coverage for towing, waste management, and other high-risk commercial operations.
Comprehensive Commercial Auto Coverage
Complete protection for your business vehicles and operations
Liability Coverage
Protection against bodily injury and property damage claims from accidents involving your business vehicles.
- Bodily injury liability
- Property damage liability
- Legal defense costs
- Settlement payments
Physical Damage Coverage
Comprehensive and collision coverage to repair or replace your business vehicles.
- Collision damage repair
- Comprehensive coverage (theft, vandalism)
- Glass coverage
- Rental reimbursement
Medical Payments
Immediate medical expense coverage for you and your passengers, regardless of fault.
- Emergency medical treatment
- Hospital expenses
- Ambulance services
- No-fault coverage
Uninsured Motorist
Protection when the other driver has no insurance or insufficient coverage.
- Uninsured motorist bodily injury
- Uninsured motorist property damage
- Underinsured motorist coverage
- Hit-and-run protection
Why Commercial Auto Insurance is Critical
Understanding the risks and requirements for California business vehicles
Higher Liability Exposure
Commercial vehicles face greater liability risks due to size, weight, and frequent use. A single accident can result in claims exceeding $1 million.
Contract Requirements
Many clients, vendors, and contracts require proof of commercial auto insurance with specific minimum limits before doing business.
Asset Protection
Protects your valuable business vehicles and equipment from theft, vandalism, and accident damage that could disrupt operations.
Business Continuity
Rental reimbursement and quick claims processing help keep your business running when vehicles are out of service.
Serving California Fleets Statewide
From Los Angeles delivery routes to San Francisco rideshare operations, we provide commercial auto insurance across all of California's major transportation corridors and business districts.
Los Angeles Area
Comprehensive coverage for LA's diverse fleet market
- • Los Angeles
- • Long Beach
- • Glendale
- • Pasadena
- • Burbank
San Francisco Bay Area
Premium coverage for high-value Bay Area locations
- • San Francisco
- • Oakland
- • San Jose
- • Fremont
- • Santa Clara
San Diego Area
Tailored protection for Southern California's coastal markets
- • San Diego
- • Chula Vista
- • Oceanside
- • Escondido
- • Carlsbad
Central Valley
Affordable coverage for California's agricultural heartland
- • Fresno
- • Bakersfield
- • Stockton
- • Modesto
- • Visalia
Sacramento Area
Capital region coverage with competitive rates
- • Sacramento
- • Elk Grove
- • Roseville
- • Folsom
- • Davis
Inland Empire
Growing market coverage for Riverside and San Bernardino
- • Riverside
- • San Bernardino
- • Fontana
- • Moreno Valley
- • Rancho Cucamonga
Northern California
Specialized coverage for rural and mountain communities
- • Redding
- • Chico
- • Eureka
- • Ukiah
- • Yuba City
Orange County
Premium coverage for affluent Orange County markets
- • Anaheim
- • Irvine
- • Huntington Beach
- • Santa Ana
- • Newport Beach
Central Coast
Coastal protection for wine country and beach communities
- • Santa Barbara
- • San Luis Obispo
- • Monterey
- • Salinas
- • Santa Maria
North Bay
Wine country expertise for Napa and Sonoma regions
- • Napa
- • Santa Rosa
- • Petaluma
- • San Rafael
- • Vallejo
Sierra Nevada/Lake Tahoe
Mountain resort and tourism market coverage
- • South Lake Tahoe
- • Truckee
- • Mammoth Lakes
- • Bishop
- • Grass Valley
Imperial Valley
Desert agricultural region with border community coverage
- • El Centro
- • Calexico
- • Brawley
- • Imperial
- • Holtville
Protect Your California Fleet Today
Get comprehensive commercial auto coverage that protects your vehicles, drivers, and business operations across California.
Fast, competitive quotes from top commercial carriers
Fleet management and safety program support
California transportation specialists
Get Your Free California Commercial Auto Quote
Frequently Asked Questions
Everything you need to know about commercial auto insurance in California
What's the difference between commercial and personal auto insurance?
Commercial auto insurance covers vehicles used for business purposes, offers higher liability limits, covers business equipment in vehicles, and includes coverage for employees driving company vehicles. Personal auto policies typically exclude business use and have lower coverage limits.
What types of vehicles need commercial auto insurance?
Any vehicle used for business purposes needs commercial auto coverage, including delivery trucks, service vans, company cars, construction vehicles, food trucks, rideshare vehicles, and rental fleets. Even personal vehicles used regularly for business may require commercial coverage.
How much commercial auto insurance do I need in California?
California requires minimum liability coverage of $15,000/$30,000/$5,000, but most businesses need much higher limits. We typically recommend at least $1 million in liability coverage, especially for businesses that regularly drive or transport goods.
Does commercial auto insurance cover rental vehicles?
Most commercial auto policies include coverage for temporary rental vehicles used for business purposes. However, coverage limits and terms vary by policy. We can help ensure your policy includes adequate rental vehicle protection.
What factors affect my commercial auto insurance rates?
Rates depend on vehicle types, driver records, business use, annual mileage, coverage limits, deductibles, location, and claims history. Businesses with good safety records and driver training programs often qualify for discounts.
Can I add vehicles to my policy throughout the year?
Yes, you can add or remove vehicles from your commercial auto policy as your business needs change. We'll help you manage your fleet coverage and ensure all vehicles are properly protected.
Still have questions about commercial auto insurance?
Contact Our Commercial Auto Experts