Commercial Auto Insurance
Commercial Auto Insurance for Every Vehicle Your Business Runs
Commercial auto insurance quotes for trucks, vans, tow trucks, livery, NEMT, delivery, and contractor vehicles in Illinois, Iowa, Wisconsin, and Indiana. One application, multiple carriers.
- ✓Same-Day ID Cards & COIs
- ✓Filings Handled
- ✓Serving IL, IA, WI & IN
Free, No-Obligation Quote
Get Your Free Commercial Auto Insurance Quote
One application. 30+ carriers. A licensed agent reviews every quote.
Get a Commercial Auto Quote →📞 (815) 691-1111Prefer to text? Text (815) 691-1111
Who We Insure
Commercial Auto Insurance for Every Industry
From one work truck to a full fleet, we place commercial auto for the operations below.
Trucking
Owner-operators and fleets. Primary liability, cargo, and filings.
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Towing & Roadside
Tow trucks, wreckers, and roadside service with on-hook coverage.
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Livery & Limo
Sedans, limos, and party buses carrying passengers for hire.
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NEMT
Wheelchair vans and non-emergency medical transport.
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Contractor Trucks & Vans
Pickups, vans, and dump trucks used by the trades.
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Delivery & Courier
Box trucks, cargo vans, and final-mile delivery vehicles.
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Auto Dealers & Garages
Dealer plates, test drives, and customer vehicles.
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Service & Company Vehicles
Service vans, sales cars, and company-owned vehicles.
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One application. Multiple commercial auto markets.
Compare My Rate →The Problem
Why Commercial Auto Insurance Is Hard to Get Right
Commercial auto rates have climbed for years. These are the issues we see most.
Personal Policies Exclude Business Use
A personal auto policy may deny a claim if the vehicle was used for business at the time.
Driver Eligibility
Young drivers, violations, and limited experience can limit which carriers will write you.
Radius and Use
Local, regional, and long-haul operations are rated very differently.
Filings and Permits
Trucking, livery, and NEMT operations often need federal or state filings to operate.
Employees in Their Own Cars
Employees running errands in personal vehicles can leave your business exposed without hired and non-owned auto.
Rising Liability Costs
Large jury verdicts have pushed auto liability rates up, even for clean operators.
Coverage
What We Cover
Commercial auto coverage built around your vehicles and drivers.
Auto Liability
Bodily injury and property damage you cause to others while driving for business.
Physical Damage
Collision and comprehensive coverage to repair or replace your vehicles.
Hired & Non-Owned Auto
Liability when employees use their own or rented vehicles for work.
Uninsured / Underinsured Motorist
Protection when the other driver has little or no insurance.
Medical Payments
Medical costs for drivers and passengers after an accident.
Motor Truck Cargo
Freight and goods you haul for others.
On-Hook & Garagekeepers
Customer vehicles in tow or in your care.
Filings
MCS-90 and state filings for operations that require them.
Umbrella & Excess
Higher liability limits for contracts that require them.
Vehicles We Insure
Commercial Vehicle Insurance for Every Type of Vehicle
Commercial auto insurance quotes for single vehicles and fleets across Illinois, Iowa, Wisconsin, and Indiana.
Pickups & Service Vans
Work trucks and vans for trades and service businesses.
Box Trucks
Straight trucks for delivery and moving.
Dump Trucks
Dump trucks for construction and hauling.
Semi Tractors & Trailers
Tractor-trailers for local, regional, and long haul.
Tow Trucks & Wreckers
Flatbeds, wreckers, and roadside service trucks.
Limos, Sedans & Buses
Passenger vehicles for livery and events.
Wheelchair Vans
Vehicles for NEMT and medical transport.
Cargo & Sprinter Vans
Delivery and courier vans.
Trailers & Equipment Haulers
Utility, enclosed, and equipment trailers.
Pricing
What Affects Commercial Auto Insurance Cost?
Every operation is rated differently. These are the biggest factors.
Driver Records
Clean MVRs and experienced drivers open up the most carriers.
Vehicle Type and Value
Heavier and higher-value vehicles cost more to insure.
Radius and Use
Local service work rates lower than long-distance or for-hire hauling.
Loss History
Three to five years of clean loss runs lead to better rates.
Tell us about your vehicles. We shop the markets.
Get My Quote →| Question | Answer |
|---|---|
| What is commercial auto insurance? | Commercial auto insurance covers vehicles owned or used by a business. It includes liability for injuries and damage you cause, plus physical damage coverage for your own vehicles. |
| Do I need commercial auto if I use my personal truck for work? | Often, yes. Personal auto policies can limit or exclude business use, especially hauling, deliveries, or vehicles titled to a business. |
| What is hired and non-owned auto coverage? | Hired and non-owned auto covers your business when employees drive their own vehicles or rented vehicles for work. |
| How much does commercial auto insurance cost? | Cost depends on vehicle type, driver records, radius of operation, industry, and loss history. We compare multiple carriers to find the best rate for your operation. |
| What are the minimum auto liability limits in Illinois? | Illinois requires at least $25,000 per person, $50,000 per accident, and $20,000 property damage. Most business contracts require $1,000,000, and for-hire interstate trucking requires at least $750,000. |
| Do you handle filings? | Yes. We handle MCS-90 and state filings for trucking and other operations that require them. |
| Can I add vehicles and drivers mid-term? | Yes. Vehicles and drivers can be added during the policy term, and ID cards are typically sent the same business day. |
| What do I need to get a quote? | A vehicle list with VINs, a driver list with dates of birth and license numbers, your radius and type of operation, and three to five years of loss runs if available. |
Get Started
Get Your Commercial Auto Quote
One application. 30+ carriers. A licensed agent reviews every quote.