Commercial insurance options
Or, quote another product
Georgia Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with Georgia commercial auto insurance
Many of Georgia's 1.4 million small businesses rely on cars and trucks to get the job done. When vehicles are essential to your work, you typically need commercial auto insurance. This type of policy can give you the protection you need, since personal insurance usually excludes business autos.
More than 1.2 million small business owners across the nation trust Progressive Commercial to protect their vehicles and livelihoods. Each gets customized coverage and limits to match their unique needs, whether they own a single cargo van in Macon or several food trucks in Atlanta.
Trusted by over 1.2 million small businesses nationwide
-
Industry Leader
#1 in America*
Trust your vehicles to the top commercial auto and truck insurer.
-
Customers
1.2 million+
People nationwide count on us for their commercial auto needs.
-
Experience
50+ years
Supporting small business owners for over half a century.
Commercial auto insurance in Georgia for a variety of business types
Business auto
Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance typically doesn't cover vehicles used for work purposes.
More info
Contractors
Contractors often use vehicles to transport tools, equipment, and supplies between job sites. These daily work activities usually call for commercial auto coverage rather than a personal policy.
More info
Food truck
Food trucks, restaurants, and ice cream vendors depend on vehicles to deliver products and serve customers. Many also have expensive, permanently attached equipment that a commercial auto policy can help protect.
More info
For-hire livery
Most vehicles used to transport people for a fee need a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing businesses also require commercial coverage.
More info
Heavy truck
We're the #1 truck insurer in the nation,Δ covering everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services are available whether you're driving locally or outside of Georgia.
More info
Tow truck
We offer protection for wreckers, rollbacks, and roadside repair vehicles. You can also add specialty tow coverages like on-hook and garagekeepers legal liability to help when you're responsible for a customer's vehicle.
More info
Georgia commercial auto insurance cost
The average monthly cost in 2025 for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ How much you'll pay for commercial car insurance in Georgia depends on several factors, and there may be ways to save based on your setup.
Profession
Some industries have more risk than others. A contractor who carries tools and equipment to various job sites every day will probably pay more than a lawyer who runs occasional errands.
Vehicle
Your vehicle's size and use affect your rate. A large dump truck used for hauling heavy gravel will likely have a higher premium than a small pickup truck used for light landscaping work.
Driving history
Accidents and violations can cause your rate to increase. Insurers will typically review the past three years of driving history for all drivers on the policy when setting your rate.
Location
It's common to pay more for commercial auto insurance in Atlanta than in a smaller city like Athens. That's because prices are usually higher in places with more claims or expensive settlements. Areas prone to weather-related events, such as hurricanes and tornadoes, can also affect your rate.
Travel radius
Your regular driving distance can influence your commercial auto rate. For example, a vehicle with a local route in Savannah city limits is generally lower risk than a vehicle with a regional route that covers all of Central Georgia.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with Georgia's state minimum limits of 25/50/25 will typically pay less than someone who needs a combined single limit of $1 million. Get a commercial auto insurance quote for Georgia from Progressive Commercial to find out how much you'll pay.
Georgia commercial auto liability split limit explained
Georgia's state minimum liability limit — 25/50/25 — is called a split limit. It separates your insurer's maximum payouts into three groups:
- $25,000 for each person injured
- $50,000 for all people injured
- $25,000 for all property damaged
Choosing Georgia's state minimum limits means your policy can pay up to these amounts if you're at fault for an accident. You can choose higher limits if your business needs more protection.
Georgia commercial auto insurance requirements
Georgia law requires liability insurance with limits of $25,000 per person, $50,000 per accident for injuries, and $25,000 for property damage. Some policies will need more coverage based on the types of vehicles they insure.
Vehicles with a U.S. Department of Transportation (USDOT) number will have separate coverage rules. For example, the Federal Motor Carrier Safety Administration (FMCSA) typically requires semi trucks and other large vehicles traveling interstate to carry a minimum combined single limit of $750,000.
It's important to select limits that work for your business in addition to what's required by law. The right coverage can protect you from unexpected financial setbacks due to accidents or other incidents on the road.
Georgia commercial auto resources:
- General Auto Insurance Resources (GA OCI)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in GA
Businesses that rely on company vehicles should have commercial insurance to protect them from auto-related claims. Professions that usually need commercial auto insurance in Georgia include:
- Food trucks
- Pizza delivery
- Photographers
- Masons
- HVAC technicians
- Auto mechanics
- Contractors
- Real estate agents
- Rideshare
- Church and religious organizations
Browse more professions we insure.
Get Georgia commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer* in the country, covering over 2.3 million commercial vehicles. Here are a few reasons why small business owners trust us:
Expert policy service by phone or online
Our customer service team is available 24 hours on weekdays and from 6:30 a.m. to 2 a.m. on weekends. Whether you want to adjust your coverages, request an insurance certificate, or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast.
Discounts†
Save 10% or more when you pay in full for commercial auto insurance, and add other discounts to get the best rate for your Georgia policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, workers' compensation, and more.
Commercial auto insurance anywhere in Georgia
We offer Georgia commercial auto insurance statewide, including these major cities:
- Atlanta
- Columbus
- Savannah
- Sandy Springs
- Roswell
- Augusta
- Macon
- Athens
- South Fulton
- Johns Creek
More information
