Commercial Auto Insurance Quote for California Businesses

Why Commercial Auto Insurance Matters

Whether you own a single work vehicle or manage a fleet of trucks, commercial auto insurance protects your business against financial loss. In California, coverage is required if you use your vehicle for business purposes — such as deliveries, transporting equipment, or visiting job sites.

A commercial policy offers higher liability limits, optional physical damage coverage, and specialized endorsements tailored to your business. Unlike personal auto insurance, a commercial policy can name multiple drivers and vehicles under a single plan.

What’s Covered Under a Commercial Auto Policy

• Liability for injuries or property damage
• Collision and comprehensive coverage for your vehicles
• Uninsured/underinsured motorist protection
• Medical payments or personal injury protection (PIP)
• Hired and non-owned auto liability

Coverage can be customized based on your type of business. Contractors, landscapers, delivery drivers, and sales professionals all have unique needs — and our agents help you tailor your policy accordingly.

Get a California Commercial Auto Quote Today

Just fill out the form above and we’ll handle the rest. Our licensed California agents will compare rates from top carriers and send you a personalized quote with no pressure and no spam.

Frequently Asked Questions

Is commercial auto insurance required in California?
Yes, if you use your vehicle for business purposes — even part-time — you may need commercial coverage. California law requires liability coverage on all vehicles used in commerce.

Can I use personal auto insurance for business use?
In most cases, personal auto insurance does not cover accidents that occur while using your vehicle for business. That’s why commercial auto coverage exists — to bridge the gap.

How much does commercial auto insurance cost?
Costs vary based on the number of vehicles, type of business, driving history, and coverage limits. Our agents shop for the best price and coverage for your situation.

Who Needs Commercial Auto Insurance?

Who Needs Commercial Auto Insurance?

If your business uses vehicles for anything beyond commuting, you probably need a commercial auto policy. This includes more than just trucking companies — it applies to:

• Contractors and construction companies
• Landscapers and irrigation businesses
• Food delivery services and caterers
• Real estate agents and mobile notaries
• Cleaning services and mobile detailers
• Sales reps who drive to multiple job sites

Even if you’re a sole proprietor, one accident could put your business at risk without proper coverage.

✅ Why Choose Advice Insurance for Commercial Auto?

We’ve been helping California businesses protect their vehicles for over 30 years. Here’s why local business owners trust us:

• We work with multiple commercial carriers to find the best rate
• You’ll speak directly to a licensed California agent — not a call center
• We explain your options without pressure or confusing lingo
• Most quotes are ready the same day
• We’re available by phone, text, or chat — whichever works best for you

Whether you’re insuring one vehicle or ten, we make it easy to get started.

✅ What Happens If You Don’t Have Commercial Auto Insurance?

Here are some of the risks you may face

Operating a business vehicle without proper coverage in California can lead to serious consequences. If you’re involved in an accident while using a personal vehicle for business purposes, your personal insurance could deny the claim entirely. You could be held personally liable for injuries, property damage, or legal costs. Commercial auto insurance protects your business from financial fallout and keeps you in compliance with California law. Don’t leave your business exposed — protect it with the right policy today.