Commercial auto for your business

State Farm® commercial auto insurance provides you with coverage options to keep your business on the road to success.

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What is commercial auto insurance?

If your business owns or leases vehicles, State Farm commercial auto insurance can help pay the costs of repairs, legal fees, and medical bills when there’s an accident involving you or one of your employees.

State Farm commercial auto coverage is available for many different kinds of vehicles, including cars, trucks, vans, pickups, farm vehicles, and more.

Why your business may need commercial auto insurance

A minor fender-bender can have a major impact on your business. And without proper insurance protection, your business could be responsible for repair costs, medical fees and more.

Smart business owners don’t take unnecessary risks. Consider State Farm Commercial Auto insurance if your business owns vehicles, or if they are leased or rented for long-term use.

You may also want to consider employers’ non-owned and hired car coverages if employees use their own vehicles for your business, or if vehicles are hired, leased or loaned for short-term business use. Coverages and availability may vary by state.

What commercial auto insurance covers

Customization is good. Which is why we let business owners select from a wide range of commercial auto coverage options.

  • Liability covers bodily injury or property damage claims you may be required to pay.
  • Personal injury/medical payments coverage helps pay reasonable and necessary medical and funeral expenses for covered persons.
  • Collision coverage helps pay for a covered vehicle when it’s damaged in a collision with another object, less the deductible.
  • Comprehensive coverage helps pay for the loss of or damage done to an insured vehicle, not caused by a collision or vehicle rollover, less any deductible.
  • Uninsured/underinsured motorist coverage helps pay for injuries, and in some circumstances property damage, when you’re in an accident with a person who is uninsured or doesn’t have enough liability insurance.

The cost of commercial auto insurance

No business is quite like your business, so we can’t tell you what you’ll pay for commercial auto insurance without speaking with you. What we can tell you is that the number of vehicles used by your business, their value, how much they’re driven and your industry will be used to determine what you’ll pay for commercial auto insurance.

Like a good neighbor, your agent can help you create a plan that meets your needs at a price that fits your budget.

Loss control services and resources

Many commercial auto losses are preventable. Check out our free resources to help you identify and mitigate some common causes of business and commercial auto losses.


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Since 1935, State Farm has been helping small business owners manage risk, plan for the future and protect what they’ve built.
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Agent know-how

State Farm agents are small business owners too. They understand what it takes to run a business and are ready to help you set up for success.

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Customizable insurance

State Farm offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.

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Personalized service

Your local State Farm agent is ready to help your business grow and thrive with good neighbor service you can count on no matter what.


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This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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