In California, the price of commercial auto insurance varies depending on many variables, such as the kind of vehicle, the coverage limits, the location of the business, and the driving records of the company and its personnel. Due to the higher risks involved in operating a vehicle for business purposes, businesses should typically expect to pay more for California commercial auto insurance.
Commercial vehicle insurance California is a vital part of risk management if you run a company in California that depends on vehicles to carry out its operations. Commercial auto insurance offers significant safeguards in the event of an accident or other unforeseen circumstances. For many businesses, especially small ones with tight budgets, the cost of commercial auto insurance can be a considerable expense.
Fortunately, Californians can choose from various low-cost commercial auto insurance solutions. Depending on the type of vehicle and chosen coverage limits, some insurance companies have policies . Cheap commercial auto insurance California starts at $12 per month. Businesses can evaluate their coverage requirements and compare quotes from several carriers by working with a certified insurance agent to locate the policy that offers the proper protection at a cost that works within their budget.
This article will examine the price of commercial auto insurance in California and offer details on how companies can request quotes and get reasonably priced coverage.
A commercial vehicle in California is any motor vehicle, or group of vehicles, used to transport persons and/or goods for hire, payment, or profit. One may run vehicles that move people or things as part of a job or commercial operation.
According to the California Vehicle Code, a commercial vehicle moves goods or people for pay or profit or moves people or goods on behalf of a government or nonprofit organization. A few examples of commercial vehicles are buses, taxis, tractor-trailers, and delivery trucks.
Also, commercial cars must register with the DMV and show a unique commercial license plate per California law. Other rules, such as weight restrictions, safety standards, and driver requirements, also apply to commercial vehicles.
It is vital to remember that some cars, such as those used for ride-sharing services or rental trucks, may not appear to be commercial vehicles if utilized for pay or profit. Overall, California's definition of a commercial vehicle is broad and encompasses a variety of automobiles utilized for transportation or business.
According to California law, every car utilized for business activities or registered in the name of a business must have commercial auto insurance. In the case of an accident, commercial auto insurance coverage shields businesses from the financial burden of liability claims and property damage. Commercial auto insurance quotes California requires the following standards: :
Liability Coverage–According to California law, all commercial auto insurance policies must include a minimum liability limit of $15,000 per person, $30,000 per accident, and $5,000 for property damage. Businesses may opt to obtain higher coverage limits to help ensure they are fully protected in the event of a claim.
Physical Damage Coverage–Commercial auto insurance packages may also include protection against damage to the insured vehicle. This coverage can shield businesses from paying for the replacement, repair, or maintenance of stolen, vandalized, or destroyed cars.
Medical Payments Coverage–Another optional coverage that companies can choose in their commercial auto insurance policies is medical payments coverage. Regardless of who was at fault for the collision, this coverage may assist in covering the costs of the driver and passengers of the insured vehicle's medical bills.
Uninsured/Underinsured Motorist–Coverage Uninsured/underinsured motorist protection is an extra optional insurance that companies may take into account. This coverage may offer protection if the covered vehicle gets involved in an accident with a driver who lacks enough insurance to pay for the damages.
In order to legally drive a car on a public road, a driver must have a minimum amount of auto insurance according to California law. The California commercial auto insurance requirements are as indicated below:
In California, you must have at least $30,000 per accident and $15,000 per person in bodily injury liability coverage. That implies that if you cause an accident and someone gets hurt, your insurance coverage will pay up to $30,000 for all injuries caused and up to $15,000 per individual.
$5,000 in property damage liability coverage is the bare minimum in California. If you cause an accident and cause damage to another person's car or property, this coverage will cover the costs.
Uninsured motorist coverage is strongly recommended for California drivers, although not required by law. It can protect you if you get involved in an accident with an uninsured driver who is at fault. Uninsured motorist coverage can still cover hit-and-run accidents where the other driver cannot be identified.
It is against the law and might have serious repercussions for driving in California without insurance. If found driving without insurance, you could face fines, license suspension, or possibly having your car seized.
However, if you cause an accident and don't have insurance, you might be legally responsible for the other driver's losses, including their property damage and medical expenses.
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Businesses in California that depend on vehicles to run their operations must have commercial auto insurance. California commercial fleet insurance offers significant safeguards in the event of an accident or other unforeseen circumstances, in addition to being a requirement by law. The benefits of commercial auto insurance in California are:
California requires businesses that use vehicles for commercial purposes to carry commercial auto insurance. Failure to comply with this requirement can result in fines, license suspension, and other legal consequences.
California law requires minimum liability coverage for bodily injury and property damage. However, businesses should consider buying higher limits of coverage to ensure they are well protected in case of a claim.
Businesses can protect themselves from accidents and other unplanned events that could cost them money with commercial auto insurance. Suppose a business vehicle is in an accident. In that case, commercial auto insurance San Francisco can help pay for the costs of fixing or replacing it and any medical bills or liability claims that come with it.
Without CA commercial auto insurance, companies might cover these expenses out of pocket. It could be a large financial burden that affects the company's financial health and even puts it at risk of bankruptcy.
Commercial auto insurance might also cover employees and other people involved in an accident with a company car. Commercial auto insurance Sacramento can assist in covering the cost of medical bills and lost wages if an employee gets hurt in an accident while operating a company vehicle.
Commercial auto insurance can also assist in paying for medical costs and other damages if a pedestrian or other motorist gets hurt in a collision with a business vehicle. By doing this, you can defend your company against liability claims and subsequent legal action.
Commercial auto insurance los angeles can offer coverage for various vehicles, including automobiles, trucks, vans, and trailers. Depending on the kinds of vehicles the business uses, this coverage can be suitable to meet its unique demands.
For instance, companies that transport goods with heavy-duty trucks can need extra insurance for their cargo and other specialized machinery. Companies that transport customers in passenger vans would need to purchase extra insurance to cover liability claims for accidents to passengers.
Commercial vehicle insurance California is an important part of risk management for businesses that need cars to do their work. With enough insurance, businesses can lower the risks of driving, like accidents, theft, and vandalism.
Also, commercial vehicle insurance may help companies keep a good safety record by encouraging safe driving and giving them tools to avoid accidents and other problems.
Last but not least, commercial auto insurance gives business owners peace of mind because they know they enjoy the cover in the case of an accident or other unforeseen circumstance.
Business owners don't have to worry about the financial repercussions of an accident or other occurrence when they have insurance coverage, allowing them to concentrate on running their companies.
In California, the price of commercial auto insurance varies depending on many variables, such as the kind of vehicle, the coverage limits chosen, the location of the business, and the driving records of the company and its personnel. Due to the higher risks involved in operating a vehicle for business purposes, businesses should typically expect to pay more for commercial auto insurance than personal auto insurance.
The median price of commercial auto insurance San Diego firms in 2021, was $147 per month or $1,764 per year. However, this is just an average, and the real cost can vary greatly depending on the company. Here’s a table showing the cost of the companies we recommend:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $15 | $180 | Small businesses and independent contractors looking for affordable and easy-to-use commercial auto insurance |
| The Hartford | $18 | $216 | Businesses that value customizable coverage options and excellent customer service |
| CoverWallet | $21 | $252 | Small businesses with limited budgets looking for affordable and easy-to-use commercial auto insurance |
| Hiscox | $23 | $276 | Small businesses and independent contractors looking for customizable coverage options and excellent customer service |
| Thimble | $25 | $300 | Small businesses and independent contractors with intermittent vehicle usage needs |
| Tivly | $28 | $336 | Small businesses that need a simple and customizable commercial auto insurance policy at an affordable price |
| State Farm | $100 | $1,200 | Small businesses that value personalized service |
| National | $110 | $1,320 | Businesses with unique or specialized insurance needs that require customized coverage options |
| Progressive | $125 | $1,500 | Small to mid-sized businesses |
| Farmers | $130 | $1,560 | Small to mid-sized businesses |
| Travelers | $150 | $1,800 | Businesses that need customizable coverage options |
Working with a registered insurance agent is the best option if you want a precise estimate of the cost of commercial auto insurance for your company in California. They can help you figure out how much coverage you need and give you quotes from different insurance companies. Such lets you compare your options and choose a policy that gives you the cheapest commercial auto insurance California.
Get cheap commercial auto insurance California by comparing quotes. Click on the “Get Quotes” button on this page to start.
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For businesses in California, picking the best commercial auto insurance provider is essential. Some of the top commercial auto insurance providers in the state are:
NEXT's platform is user-friendly and easy-to-use, allowing businesses to easily compare and purchase commercial auto insurance policies online
They offer a variety of coverage options, including liability, collision, and comprehensive coverage, as well as uninsured/underinsured motorist coverage
NEXT provides personalized service and excellent customer support, with a team of insurance experts available to answer any questions or concerns
Their policies are affordable and competitively priced, making them a great choice for small businesses with limited budgets
NEXT's policies may not offer as much flexibility or customization options as some other insurance providers
NEXT is a digital insurance platform that offers commercial auto insurance in California. They specialize in providing coverage to small businesses and independent contractors.
Best for: Small businesses and independent contractors looking for affordable and easy-to-use commercial auto insurance
Average cost: $15 per month
Our rating: 10/10
The Hartford offers customizable commercial auto insurance plans with coverage options including liability, collision, comprehensive, and uninsured/underinsured motorist coverage
They offer discounts for businesses with multiple vehicles and for businesses with safety features installed in their vehicles
The Hartford has a solid reputation for customer service and claims handling, with many customers reporting positive experiences
Their policies are flexible, allowing businesses to add or remove coverage options as needed
Some customers have reported higher rates compared to other insurance providers
The Hartford may not be the best option for businesses with poor driving records or a history of accidents
The Hartford is a highly rated provider of commercial auto insurance in California, offering a variety of coverage options and benefits for businesses of all sizes.
Best for: Businesses that value customizable coverage options and excellent customer service
Average cost: $18 per month
Our rating: 10/10
CoverWallet's platform is user-friendly and easy-to-use, allowing businesses to easily compare and purchase commercial auto insurance policies online
They offer a variety of coverage options, including liability, collision, and comprehensive coverage, as well as uninsured/underinsured motorist coverage
CoverWallet provides personalized service and excellent customer support, with a team of insurance experts available to answer any questions or concerns
Their policies are affordable and competitively priced, making them a great choice for small businesses with limited budgets
CoverWallet's policies may not offer as much flexibility or customization options as some other insurance providers
They may not be the best option for businesses with a larger fleet of vehicles, as they primarily cater to small businesses
CoverWallet is an online insurance broker that specializes in providing affordable commercial auto insurance to small businesses in California.
Best for: Small businesses with limited budgets looking for affordable and easy-to-use commercial auto insurance
Average cost: $21 per month
Our rating: 10/10
Hiscox offers customizable commercial auto insurance policies with a range of coverage options, including liability, collision, and comprehensive coverage
They offer coverage for vehicles used for business purposes, including cars, trucks, and vans
Hiscox provides exceptional customer service and support, with a team of experts available to assist customers with claims and other issues
Their policies are affordable and competitively priced, making them a great choice for small businesses and independent contractors
Hiscox may not be the best option for businesses with a large fleet of vehicles, as they primarily cater to small businesses
Their policies may not offer as much flexibility or customization options as some other insurance providers
Hiscox is a well-respected insurance provider that offers commercial auto insurance in California. They specialize in providing coverage to small businesses and independent contractors.
Best for: Small businesses and independent contractors looking for customizable coverage options and excellent customer service
Average cost: $23 per month
Our rating: 10/10
Thimble's platform is user-friendly and easy-to-use, allowing businesses to easily compare and purchase commercial auto insurance policies online
They offer flexible policies that can be purchased by the hour, day, week, or month, which can be a great option for businesses with intermittent vehicle usage
Thimble provides personalized service and excellent customer support, with a team of insurance experts available to answer any questions or concerns
Their policies are affordable and competitively priced, making them a great choice for small businesses with limited budgets
Thimble's policies may not be the best option for businesses with a larger fleet of vehicles, as they primarily cater to small businesses and independent contractors
Their policies may not offer as much coverage options as some other insurance providers
Thimble is a digital insurance platform that offers commercial auto insurance in California. They specialize in providing coverage to small businesses and independent contractors.
Best for: Small businesses and independent contractors with intermittent vehicle usage needs
Average cost: $25 per month
Our rating: 10/10
Their policies are customizable, so businesses can choose the coverage options that best fit their needs
They offer a variety of discounts, including discounts for businesses with multiple vehicles, good driving records, and for businesses that have installed safety features in their vehicles
Tivly's claims process is fast and efficient, with many customers reporting positive experiences
Tivly is a relatively new company and may not have the same level of brand recognition or reputation as some of the larger insurance providers
Tivly is a company that specializes in providing commercial auto insurance to small businesses. Their platform is designed to offer a simple and fast application process, with policies that can be tailored to the unique needs of each business. Tivly's coverage options include liability, collision, comprehensive, and uninsured/underinsured motorist coverage, as well as coverage for rented and leased vehicles. Call a representative now to compare quotes over the phone.
Best for: Small businesses that need a simple and customizable commercial auto insurance policy at an affordable price
Average cost: $28 per month
Our rating: 10/10
State Farm has a large network of agents and customer service representatives, making it easy to get in touch with someone if you have questions or need assistance
They offer a variety of coverage options and discounts that can help you save money on your policy
Has a good reputation for customer satisfaction and claims handling
State Farm may not be the cheapest option for commercial auto insurance, especially if you have a large fleet of vehicles or if your drivers have poor driving records
Some customers have reported difficulty getting claims resolved in a timely manner
It is one of the best commercial auto insurance California enjoys. In California, businesses can choose from various commercial auto insurance plans from State Farm. The organization has a solid reputation for providing excellent customer service, and its customizable policies match the particular requirements of any business.
Best for: Small businesses that value personalized service
Average cost: $100 per month
Our rating: 10/10
They offer competitive rates and flexible coverage options, particularly for businesses with unique or specialized insurance needs
National General Insurance has a good reputation for customer service and claims handling, with many customers reporting positive experiences
They also offer a range of other insurance products, including general liability insurance and workers' compensation insurance, which can be convenient for businesses that want to work with a single insurer for multiple types of coverage
Some customers have reported difficulty with claims processing and resolving disputes with the company
National General Insurance may not be the best option for businesses with poor driving records or a history of accidents, as rates may be higher
Another well-known insurer that provides commercial auto insurance in California is Nationwide. The organization has a wide network of agents spread out over the state, and its insurance includes liability, collision, and comprehensive damage.
Best for: Businesses with unique or specialized insurance needs that require customized coverage options
Average cost: $110 per month
Our rating: 10/10
Progressive has a large network of agents and offers a user-friendly website that makes it easy to get a quote and manage your policy online
They offer a variety of coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage
Progressive has a reputation for offering competitive rates, particularly for businesses with multiple vehicles or drivers with good driving records
Have a good reputation for customer service and claims handling, with many customers reporting positive experiences
Some customers have reported difficulty with claims processing and resolving disputes with the company
Progressive may not be the best option for businesses with poor driving records or a history of accidents, as rates may be higher
Because of its affordable prices and adaptable coverage options, Progressive is a popular alternative for CA commercial auto insurance. commercial auto insurance in California. Also, the organization provides many discounts, including multi-policy and safe driver discounts, that can help businesses lower their insurance prices.
Best for: Small to mid-sized businesses
Average cost: $125 per month
Our rating: 10/10
Farmers Insurance has a large network of agents and offers a variety of coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage
They offer discounts for businesses with multiple vehicles, as well as for businesses with safety features installed in their vehicles
Farmers Insurance has a good reputation for customer service and claims handling, with many customers reporting positive experiences
Some customers have reported higher-than-expected premiums, particularly for businesses with poor driving records or a history of accidents
Farmers Insurance may not be the best option for businesses with unique or specialized insurance needs, as their coverage options may be more limited compared to other insurers
Based in California, Farmers is an insurance provider that provides commercial auto insurance to organizations of all sizes. Liability, collision, and comprehensive damage are all covered under its plans, and the company also provides a variety of supplemental coverage choices to cater to the unique requirements of each organization.
Best for: Small to mid-sized businesses
Average cost: $130 per month
Our rating: 10/10
Travelers has a long history of providing insurance coverage and has a reputation for offering flexible and customizable commercial auto insurance policies
They offer a variety of coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage, as well as coverage for rented and leased vehicles
Travelers offer discounts for businesses with multiple vehicles and for businesses with safety features installed in their vehicles
They have a good reputation for customer service and claims handling, with many customers reporting positive experiences
Some customers have reported difficulty with claims processing and resolving disputes with the company
Travelers may not be the best option for businesses with poor driving records or a history of accidents, as rates may be higher
Commercial car insurance California is available through Travelers. The organization has a solid reputation for providing excellent customer service and resolving insurance claims, and its plans cover liability, collision, and comprehensive damage.
Best for: Businesses that need customizable coverage options
Average cost: $150 per month
Our rating: 10/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
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