California Commercial Vehicle Insurance

Get a full analysis of California commercial vehicle insurance costs, coverages & companies.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

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Find the Best Commercial Vehicle Insurance Rates & Companies in California

Businesses in California that have company-owned cars or trucks, by law, must carry commercial auto insurance. Whether you own a manufacturing company, a transportation-based company, or any other business that uses company-owned vehicles for work purposes, you can benefit from the extra liability protection that a California commercial auto insurance policy provides. Without the proper coverage, your business could have to pay potentially hefty losses from its own pocket.

A California independent insurance agent can help your business get equipped with the right commercial auto insurance. They'll get you matched to the policy that gets the job done right. But first, here's a breakdown of commercial vehicle insurance requirements and more in California.

Best Commercial Vehicle Insurance Companies in California

Many types of commercial insurance are available from a variety of carriers in California. But when you need the right insurance for commercial vehicles, you want to look into only the best insurers around. That's why we put together this list of some of the best commercial vehicle insurance companies in California for your convenience. 

A California independent insurance agent can help you find the right commercial insurance auto. They can also help you find insurance for trucks, if your business is in need of commercial truck insurance.

What Commercial Vehicle Insurance in California Can Cover

All California businesses with company vehicles used for business purposes must have commercial vehicle insurance by state law. You can expect to find the following types of coverage in a commercial auto insurance policy in California:

An independent insurance agent in California can help you assemble the best commercial auto policy for your unique company.

How Much Commercial Vehicle Insurance Is Required in California?

Your California business must comply with state laws regarding the minimum mandated amount of commercial vehicle insurance. Make sure to get a commercial auto policy that has at least the following types and amounts of coverage:

California's basic commercial auto coverage requirements for businesses are 15/30/5. Your California independent insurance agent will ensure you get set up with a policy for your business that satisfies the state's requirements.

What Commercial Vehicle Insurance in California Will Not Cover

California commercial auto insurance has a set of coverage exclusions as well. Don't expect to find coverage for the following in your commercial vehicle policy in California:

Your California independent insurance agent can help you review your business's commercial auto policy to be certain of what's excluded.

Average Cost of Commercial Vehicle Insurance in California

In California, the average cost of commercial auto insurance is about $147 per month. But the cost of your business's commercial auto policy may vary based on a number of factors, including:

A California independent insurance agent can shop and compare quotes for commercial auto coverage from several different carriers for you to find the absolute best available rate.

Find Commercial Auto Insurance

Our independent agents shop around to find you the best coverage.

Popular Questions about California Commercial Vehicle Insurance

Do I need commercial auto insurance in California?

If your California business uses company vehicles for work-related activities, then yes, you must have commercial auto insurance. Failure to secure coverage can result in state penalties like fines or suspended business operations.

Is commercial auto insurance required by law in California?

Yes, California state law requires all business vehicles to be insured by commercial vehicle insurance. Without this coverage, your business could face fines and other penalties. 

What will my commercial auto insurance plan cover in California?

Commercial auto insurance in California must at least include bodily injury and property damage liability coverage. However, your policy can be customized to include additional coverage, such as uninsured motorist, medical payments, and more.

How much commercial auto insurance coverage do I need in California?

California businesses with company vehicles must have at least the following types and amounts of commercial auto insurance coverage:

Is commercial vehicle insurance tax-deductible in California?

Commercial auto insurance premiums are tax-deductible in California. Businesses can deduct the cost of their commercial auto insurance from their taxable revenue. 

What does commercial auto insurance cover in California?

In California, commercial auto insurance at least covers incidents of bodily injury or property damage liability. However, your business's coverage will depend on the types of protection included in its specific policy.

How much does commercial auto insurance cost in California?

Commercial auto insurance costs an average of $147 per month in California. An independent insurance agent can help you find a policy with a great rate for your business.

Why work with an independent insurance agent when shopping for commercial auto insurance in California?

California independent insurance agents have access to multiple commercial vehicle insurance companies in your area, so they can shop and compare policies and quotes for you. Ultimately, they'll find you a policy that offers the best blend of coverage and cost.

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