Cheap Commercial Auto & Truck Insurance Quotes in California

Commercial auto insurance offers protection against common losses associated with theft, damage, injury or death involving your business vehicles. It has similarities with the coverage for personal auto insurance. However, policies for commercial vehicles are more complex depending on a number of factors and due to the entailed risks.

Currently, there are over 3 million businesses in California across various industries. These businesses require vehicles to operate and there should be adequate protection for these vehicles.

The rates of insurance coverage vary due to a number of factors such as type of vehicle, extent of coverage, and the insurance company. Do your research so you can compare coverage rates available for commercial auto insurance in California.

Cheap Commercial Auto & Truck Insurance Quotes

Minimum Auto Insurance Requirements in California

In California, the minimum auto coverage for personal auto insurance is at $15,000 (if there is a death or injury involved in the accident). For multiple injuries or deaths, the minimum coverage required is $30,000.

The minimum requirement for commercial auto insurance is slightly different, however. The minimum coverage for property damage is at $5,000 and $15,000 for bodily injury or death (per person) or $30,000 for multiple injuries or deaths. A minimum coverage of $5,000 is required for property damage.

Although not required by law, a separate insurance known as hired and non-owned auto insurance must be obtained when using personal vehicle for business purposes. Personal auto policies do not cover your vehicle when used for business. Another option is to add this coverage to your general liability insurance.

Insurance Coverage by Vehicle

The cost of insuring large commercial vehicles such as heavy truck or semi-truck are higher compared to other business vehicles like van or SUV. These types of vehicles have much higher liability so there should be adequate coverage for that. And don't forget bobtail insurance if that's how you will be using your truck.

These factors can influence the final auto insurance coverage for large commercial vehicles:

  • Size of vehicle
  • Weight of vehicle
  • Type of cargo
  • Vehicle’s passenger capacity
  • Vehicle’s intended use
Cheap Commercial Auto & Truck Insurance Quotes

Commercial Auto Insurance Cost in California

Commercial auto insurance coverage cost will vary significantly depending on the nature of business. For example, a food truck business will have a different coverage requirement from a landscaping business in California.

The annual cost of a comprehensive commercial auto insurance coverage in California ranges from $1,000 to $2,000 (depending on the insurance company). In some cases, the city where you purchase the insurance from and operating the business vehicle could also impact auto insurance rates.

Major cities like Los Angeles, San Diego, San Francisco, and Sacramento have higher rates than other cities in California for commercial auto insurance coverage. Make sure to check the requirements by state.

Commercial Auto & Truck Insurance Near Me

commercial auto truck insurance California

Best Commercial Auto & Truck Insurance Companies

Downey Commercial Auto/Truck Insurance

10022 Tristan Dr, Downey, CA 90240

(562) 803-4000

Commercial Auto and Truck Insurance

141 E Santa Clara St, San Jose, CA 95113

(347) 279-5833

Commercial Auto Insurance

3198 Griffin Ave, Los Angeles, CA 90031

(213) 634-3292

Ace Commercial Trucking Insurance

14819 Slover Ave, Fontana, CA 92337

(888) 300-7888

No website found

SoCal Truck Insurance

8135 Florence Ave #101, Downey, CA 90240

(888) 965-3002

Network Truck Insurance

120 Main St, Roseville, CA 95678

(916) 780-2535

Ace Commercial Trucking Insurance

200 S Main St STE 130, Corona, CA 92882

(800) 750-8888

No website found

Fresno Truck Insurance

401 W Birch Ave, Fresno, CA 93650

(559) 521-6877