Affordable Commercial Auto Insurance Quotes

Every business vehicle covered

What types of commercial vehicles can I insure?

From business trucks and delivery vans to commercial pickups and SUVs, Orbit finds the right coverage for every vehicle in your fleet.

Commercial Trucks

Ideal for transporting goods and services across local or long-distance routes. Insurance covers risks like accidents, cargo damage, and liability while keeping operations running smoothly.

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Commercial Vans

Used for deliveries or service work, offering flexibility and cargo space. Insurance protects against accidents, theft, and property damage while your team is on the job.

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Delivery Vehicles

Key to logistics and distribution. Insurance protects against accidents, cargo loss, and damage — ensuring timely and safe deliveries for your business.

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Commercial Pickup Trucks

Great for light deliveries and utility work. Insurance ensures protection against accidents, theft, and damage while supporting your business's daily operational needs.

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Commercial Cars & SUVs

Fleet vehicles for client visits, sales, and service work. Insurance safeguards against accidents, theft, and liability, ensuring smooth operations for your entire team.

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Vehicles for Hire

Taxis, rideshare vehicles, and shuttle buses used to transport passengers require specialized coverage for the elevated risks that come with passenger liability.

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Contractor & Work Vehicles

Plumbers, electricians, landscapers, and contractors rely on their vehicles. Coverage protects against accidents, equipment loss, and liability while you are on the job site.

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Standard Auto

Need personal coverage alongside your commercial policy? Our agents can pair them together so every vehicle you own — business or personal — is properly protected.

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Why Orbit

Why Orbit is the best choice for commercial auto insurance

Competitive Rates

We shop multiple carriers so your business gets the best rate for commercial coverage without cutting corners on the protection your fleet needs.

Industry Expertise

Our licensed agents understand the unique liability and operational risks of commercial vehicle use and will guide you to the right coverage for your business type.

With or Without a License

We work with businesses in various situations and can find coverage options regardless of driver license status or documentation.

Any Credit Welcome

Good credit, bad credit, or no credit — your commercial auto insurance rate is built around your specific business and vehicle situation.

Online, Phone, or In-Person

Get your commercial vehicles insured however you prefer — from your office online, over the phone, or face-to-face with a local agent.

Talk to a commercial auto expert today

A real agent is ready to help you find the right coverage for your business fleet — single vehicle or multiple — no pressure, just honest answers.

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Coverage options

What coverages can I get for my commercial vehicle?

Commercial auto insurance goes beyond standard personal coverage. Here are the key protections your business vehicles need.

Liability Coverage

Protects your business from financial losses if your vehicle causes damage or injury to another person or their property while being operated for business purposes.

Collision Coverage

Covers repair and replacement costs if your commercial vehicle is damaged in a collision with another vehicle, object, or property, regardless of fault.

Comprehensive Coverage

Protects against non-collision incidents — theft, vandalism, fire, or extreme weather — keeping your business running even after unexpected events.

Cargo Coverage

Protects goods you transport against theft, damage, or loss during transit — vital for any business that regularly hauls inventory, equipment, or customer property.

Hired & Non-Owned Vehicle Coverage

Covers vehicles not owned by your business but used for business purposes — including employee personal vehicles and rental vehicles used for work.

Fleet Insurance

Covers multiple commercial vehicles under a single policy, simplifying administration and often reducing costs for businesses with two or more vehicles.

The basics

What is commercial auto insurance?

Commercial auto insurance is coverage designed specifically for vehicles used in business activities. If your small or medium-sized business relies on cars, trucks, vans, or other vehicles to operate, insuring them is not just smart — in most states, it is a legal requirement. Without it, your business is exposed to significant financial and legal risk in the event of an accident or loss.

Commercial auto policies protect your business vehicles against liability from accidents, property damage, injuries, and other unforeseen threats. Coverage options range from comprehensive and collision to cargo coverage and hired/non-owned vehicle coverage. Whether it is a minor mishap or a major accident, the right commercial auto insurance ensures your business operations continue with minimal disruption.

Good to know

Frequently asked questions about commercial auto insurance

Yes, commercial auto insurance is typically more expensive than personal auto insurance because it covers higher levels of risk associated with business operations. Transporting high-value cargo, driving more miles, and carrying higher liability limits all contribute to higher premiums compared to personal use driving.

Costs vary widely based on vehicle type, usage, and business activities. Standard commercial vehicles typically cost between $800 and $2,900 per year. Delivery vans can range from $3,790 to $6,900 annually. Owner-operators of semi-trucks may pay $9,200 to $14,400 per year. An Orbit agent can give you an accurate quote based on your specific fleet.

Yes, commercial auto insurance premiums are generally tax-deductible as a business expense. Premiums paid for vehicles used for commercial activity can typically be claimed on your taxes. Consult with a tax professional to ensure you are claiming correctly and staying compliant with current regulations.

If you regularly use your personal vehicle for business purposes — deliveries, client visits, carrying tools or equipment — your personal auto policy may not cover accidents that occur during business use. A commercial auto policy or a business-use endorsement on your personal policy is often necessary to avoid coverage gaps.

You can reduce commercial auto insurance premiums by maintaining a clean driving record for all drivers, installing safety features like dashcams and GPS tracking, bundling your commercial auto with other business policies, and raising your deductible. An Orbit agent can also identify discounts you may not be aware of.

Yes, most commercial auto policies allow you to add employees as listed drivers. Insurers will typically review the driving history of all listed drivers when calculating your premium. It is important to keep your driver list updated and notify your insurer when employees join or leave to ensure your coverage remains accurate.

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Oscar gave me a very competitive quote on my vehicle and made the whole process easy. Highly recommend.

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