Our editorial team analyzed regional and national auto insurance companies that sell commercial policies in Georgia to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, and specialty or supplemental coverages.
If you operate a vehicle for your business in Georgia, you may face risks that your personal auto policies won’t cover. This is especially true if you have employees who drive your business vehicle or fleet. Commercial auto insurance protects your assets and your drivers.
As a business owner, it’s important to understand Georgia’s insurance requirements when comparing your coverage options, costs, and insurers.
Here’s what you need to know about commercial car insurance in Georgia to find the best policy for your business’s needs.
Commercial car insurance requirements in Georgia
If you drive a vehicle for business purposes, your personal auto insurance likely won’t cover it. This is especially the case if you have employees driving a vehicle.
You generally need a business auto policy or fleet insurance if you’re using a vehicle or fleet for deliveries, rideshare shifts, or routine business activities. This type of auto insurance protects your business from liability, property damage, and other risks while on the clock.
In Georgia, the minimum liability limits for small commercial vehicles include the following:1
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
For larger vehicles like semitrucks or limousines, state law requires higher coverage amounts:2
Bodily injury liability: $100,000 per person and $300,000 per accident
Property damage liability: $50,000 per accident
The Federal Motor Carrier Safety Administration also requires more coverage for commercial vehicles if businesses have them cross state lines. The required coverage limits range from $750,000 to $5 million, depending on vehicle type and cargo.3
Optional commercial auto insurance coverages
While commercial liability coverage protects your business from lawsuits, additional coverage options can shield you from other unexpected mishaps. Consider these add-ons to strengthen your commercial insurance policies:
Do you need commercial car insurance in Georgia?
If you regularly use a vehicle for your business activities, you likely need a business auto policy. Some scenarios in which you may need this insurance include the following:
Driving company-owned vehicles
Driving for a rideshare company
Using your own car for regular business runs
Renting vehicles for employee use
Letting employees use their own cars for work purposes
Best commercial car insurance companies in Georgia
The right commercial car insurance can safeguard your business. You should consider options from multiple insurers, comparing coverage options, auto insurance rates, customer service, claims history, and available discounts.
Start your search below with a few of the best commercial auto companies in Georgia.
GEICO: Best for affordability
The Hartford: Best for mid- to large-sized fleets
Progressive: Best for most businesses
Average cost of commercial car insurance in Georgia
The average cost of commercial car insurance in Georgia ranges from $290 to $1,590 per month. Premiums vary widely based on your business’s coverage needs and factors such as the following:
Fleet size
Vehicle type
Business industry risk
Operating radius
Safety measures
Claims history
Driving record
Coverage limits and deductibles
Business location
What business owners should know about commercial auto insurance in Georgia
To best insure your business, you need to understand your commercial auto insurance options, the state’s liability requirements, and key factors that influence premiums.
Here are some things to know about buying commercial auto insurance in the state:
Higher costs: Business auto insurance is more expensive than personal insurance because of its higher liability limits and increased risk.
Risk factors: Your insurance cost depends on how risky your business operations are. For example, if you run a construction company, you’ll likely pay higher premiums than someone with a consulting business.
Coverage exclusions: Standard business policies exclude wear and tear, reckless driving, and vehicle uses outside of your business scope.
Claims process: In the event of covered damage, notify your insurer immediately to start the claims process. Waiting too long could result in denials or lower payouts. Also gather the proper documentation and information to ensure the process goes smoothly.
Tax implications: You may have tax-deductible premiums, since they’re an ordinary and necessary expense.
How to get commercial car insurance in Georgia
Getting commercial car insurance in Georgia doesn’t have to be complicated. Here’s a step-by-step breakdown on how to secure the right business auto policy for your vehicle and business operations:
Assess your needs. What vehicle(s) do you have? How do you use it? Who’s behind the wheel? These questions will help determine your coverage needs.
Gather information. You may need to provide your insurer with driver’s license numbers, VINs, annual mileage, and motor vehicle reports for employees.
Set your coverage limits. Choose policy limits that meet state law and protect your business assets.
Get multiple quotes. Compare at least three insurance companies on your own, through a comparison site, or with a broker.
Review exclusions and endorsements. Make sure your business auto policy covers specific risks in your industry. For example, you may need coverage for food spoilage if you transport perishable goods.
Buy and maintain your coverage. Keep proof of insurance in all vehicles, and update policy terms as your business size or business operations change.
Commercial auto insurance in Georgia FAQs
The following information can help answer your remaining questions about commercial auto insurance in Georgia, including liability limits and how much coverage business owners need.
How much does commercial car insurance cost in Georgia?
Georgia business owners pay an average rate between $290 and $1,590 per month for commercial car insurance. Costs vary based on vehicle type, fleet size, coverage selections, liability limits, risk factors, and more.
What insurance does Georgia require for commercial vehicles?
State law mandates minimum bodily injury liability insurance and property damage liability coverage of 25/50/25 for many commercial vehicles. Larger trucks, for-hire vehicles, and vehicles carrying hazardous materials need higher minimum coverage limits of 100/300/50.
What qualifies as a commercial vehicle in Georgia?
Vehicles primarily used for business purposes are commercial vehicles. Examples include delivery vans, limousines, and personal ridesharing vehicles.
What happens if a commercial vehicle doesn’t have insurance?
Without commercial liability coverage for vehicles, your business could face expensive claims for bodily injury and property damage, fines, lawsuits, or loss of business operations authority.
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