What’s the best fleet car insurance in 2022?

From food delivery to shipping and transport, America relies on business vehicles. If you are a business owner with multiple vehicles, fleet insurance might be right for you. Rather than insure vehicles individually, commercial fleet insurance covers all your vehicles under one policy. Most major companies offer affordable fleet insurance with an annual average price of $1,000 for small vehicles and $1,500 for larger ones.

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UPDATED: Jun 20, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 20, 2022Fact Checked

The Rundown

  • Fleet insurance offers a convenient policy to insure every vehicle a company owns under one plan
  • Most major insurance providers offer fleet insurance, though Progressive and Nationwide receive the best reviews
  • Prices vary, but owns can expect to pay about $1,000 per year per small car and $1,500 for large vehicles

With the rising popularity of deliveries and rideshares, more and more companies are relying on fleets of cars for their business needs. From small companies to giant corporations, business owners depend on commercial vehicles to get the job done.

As with personal vehicles, it’s integral to protect your fleet with commercial insurance. While anyone who uses a vehicle for business purposes should have commercial auto insurance, unique plans are available if you have more than two vehicles.

If you have two or more vehicles you use for business, commercial fleet insurance can save you time, money, and the headache of handling multiple policies.

If you’re ready to see affordable fleet insurance quotes, your first step should be to shop around. Gathering quotes from multiple insurance providers is the best way to save money. Enter your ZIP code into our free tool to see what quotes might look like for you.

What is fleet insurance?

While every company has different qualifications, you’re most likely considered a fleet if you have at least two vehicles that you use for your business. These vehicles include:

  • Cars, pickups, SUVs, and vans used to deliver food, flowers, and packages
  • Tractor-trailers and semis
  • Box trucks
  • Cargo vans
  • Forklifts and other construction machinery

In 2019, the estimated cost of work-related accidents for American businesses was $39 billion. Traffic accidents are also the most common way workers die on the job.

Fleet insurance keeps your drivers, your vehicles, and your business protected from the dangers of the road. Federal and state laws require every commercial fleet to have a minimum level of liability, but that only pays for damage to other vehicles and property.

If you want additional coverage, you’ll need a more comprehensive plan.

What does fleet insurance cover?

As a specialized type of commercial insurance, fleet insurance covers the same things as personal car insurance. There are multiple types of coverage you can buy:

  • Liability. This pays for damages to other cars and property when one of your vehicles is at fault for an accident.
  • Comprehensive. Comprehensive covers damage outside of accidents. If you purchase this, your fleet will be safe from weather damage, vandalism, theft, animal contact, and other damages.
  • Collision. As the counterpart to liability, collision pays for necessary repairs to your vehicles after an accident.
  • Underinsured/uninsured motorist. Even though almost every state requires insurance, not every driver has adequate coverage. This policy makes up the difference if an underinsured motorist hits one of your vehicles.
  • Medical payments. If a driver or passenger is injured in your company vehicle, this coverage helps pay their medical bills.

You might be able to purchase add-ons that will make your insurance even better, depending on the company that you buy from.

How many vehicles make a fleet?

While it depends on the insurance provider, most companies consider two to five vehicles a fleet. Usually, fleet insurance is split into two groups:

  • Small fleet insurance. Some insurance companies will give you access to special small fleet insurance if you only need a few vehicles to fulfill your business needs.
  • Large fleet insurance. Insurance companies have policies that suit large fleets from a dozen to thousands of vehicles.

If you have more than five vehicles, you should qualify as a fleet for most companies that offer commercial insurance.

When you’re ready to purchase fleet insurance, an agent can help you determine if you have enough vehicles to make a fleet or if individual commercial policies would work better for you.

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Which companies offer the best fleet insurance?

Most of the major insurance providers offer commercial car insurance. Some companies stand above others for their commercial policies.


Progressive often earns the title of best commercial fleet insurance because of its flexible policies, long list of discounts, and expansive insurance product lineup. It also has one of the most highly-recommended commercial policies specifically for trucking companies.


Another company that receives praise for commercial insurance is Nationwide. Like Progressive, Nationwide offers excellent discounts and inclusive policies. It also provides a substantial discount if your drivers use its monitoring system.


Contracting fleets can find special coverage with Farmers. While Farmers doesn’t do quite as well as Progressive or Nationwide, it does include tools transported within business vehicles.

The Hartford

Finally, The Hartford designed a commercial policy specifically for fleets. You can enroll in its FleetAhead program by using wireless devices in your vehicles to encourage safe behavior and earn discounts.

How much does fleet insurance cost?

As with all types of coverage, the cost of fleet insurance depends on various factors. These include:

  • The size of your fleet. The more vehicles you have, the more your policy will cost. However, most insurance providers give discounts for a large number of vehicles.
  • The vehicles in your fleet. Smaller cars, such as vans or pickups, cost less to insure than heavy vehicles like semi-trucks and ambulances.
  • The condition of your fleet. The age, value, and shape of your vehicles go into the cost of your policy. Typically, used cars are less expensive to insure because they cost less to repair or replace.
  • The purpose of your fleet. Contractors, electricians, and plumbers typically pay the least, while car rentals, taxi services, and shipping companies pay the most.
  • Your policy. While buying more coverage gives you better protection, it also costs more.

While your insurance provider will consider all these factors, a general rule of thumb is that you’ll pay $1,000 per small vehicle per year. For larger vehicles like semis, the price bumps up to about $1,500.

Most companies offer discounts to help you save money on your plans. Commercial fleet plans typically reward you for increased safety measures.

  • Bundling. Most large insurance companies offer more than commercial auto policies. You can usually earn a discount by getting all your insurance needs covered by the same provider.
  • Safety features. If you have advanced safety devices installed in your fleet, you could be eligible for this discount. Safety devices include GPS tracking, dash cams, and collision avoidance systems.
  • Drivers with clean records. If your drivers have a clean driving record, you’ll probably earn a discount. Motor vehicle records are public information and are available for you to look at.

While there are other ways to save on fleet insurance, taking advantage of discounts is the most effective.

Do you really need fleet insurance?

The price of purchasing insurance coverage for your entire fleet might seem intimidating, but it’s a solid investment in the long run. Aside from knowing your vehicles and drivers are protected, there are several advantages to fleet insurance:

  • Save money. Usually, getting a fleet insurance policy is cheaper than insuring each vehicle individually.
  • Easier administration. Trying to juggle policies for individual cars sounds like a logistical nightmare. If all your vehicles are on the same policy, you have one payment to make, one place to make fleet insurance claims, and one agent to contact.
  • Efficiency. All your business vehicles fall into the same plan when you have a fleet policy. A fleet insurance company will put every car on the same policy, regardless of how many people drive it, what you use it for, and what kind of vehicle it is.

When you buy fleet insurance, you protect yourself from costly repairs and medical bills that could cripple or even destroy your business.

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Find the Best Fleet Insurance

As a business owner, your time and money are valuable resources. Fleet insurance can protect both by giving you an easy, affordable way to cover every vehicle your business relies on.

When you’re ready to see fleet insurance rates, you’ll have plenty of opportunities to find the best price. Enter your ZIP code into our free tool today if you want to see what quotes might look like for you.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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