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 needs 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. So if your business owns, leases, or rents vehicles, or has employees who drive their own vehicles for your business, you should definitely consider State Farm commercial auto insurance.

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.

And, like a good neighbor, your agent can help you find good coverage options at a surprisingly great rate.

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.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one affordable policy.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

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.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

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