Core Liability · Calculator, Comparison & Guide

Commercial Auto Insurance: Calculator, Comparison Table & Guide

Per-unit rating by vehicle class, radius, and driver profile.

Prong 1 · Interactive Calculator

Commercial Auto Fleet Estimator

Per-unit rating by vehicle class, radius, and driver profile.

Results
LineEstimate
Liability premium —
Physical damage —
Driver factor —
Estimated annual fleet premium —
Per unit —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

Commercial Auto Coverage Symbols

Symbol 1 vs. 7 vs. 8/9 — the number on the dec page decides what's covered.

CriterionSymbol 1 (Any Auto)Symbol 7 (Scheduled Autos)Symbols 8 + 9 (Hired + Non-Owned)
Owned scheduled vehiclesIncludedIncludedExcluded
Newly acquired vehiclesAutomatic30 days if reportedExcluded
Employee personal vehicles on businessIncludedExcludedIncluded
Rented vehiclesIncludedExcludedIncluded
CostHighestLowestAdd-on
Best fitGrowing fleetsStable fleets + add 8/9No owned vehicles
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Commercial Auto: Symbols, Drivers, and the Personal-Auto Trap

Why the business needs its own auto policy, and how carriers decide your price.

When personal auto isn't enough

Personal policies exclude vehicles titled to a business, used to carry goods for a fee, or driven by employees.

  • Business-titled vehicles must be on a commercial policy
  • Sole proprietors can sometimes use personal auto with a business-use endorsement
  • Hired/non-owned for employees using their own cars

Pricing levers

Vehicle class, radius, garaging ZIP, driver MVRs, and limit.

  • Pull MVRs annually; one bad driver can add 20%
  • Telematics discounts are now widely available
  • Higher deductibles on physical damage ($2,500) cut cost meaningfully

Limits and umbrella

Auto is the most common source of catastrophic claims for small businesses.

  • $1M CSL minimum; $2M for larger vehicles
  • Umbrella attaches over auto
  • UM/UIM at the same limit as liability

Frequently Asked Questions

Are my employees covered driving their own cars for work?

Under your hired/non-owned (symbol 9) coverage for your liability — not for damage to their car.

Do I need trucking coverage?

If you haul for hire or cross state lines with > 10,001 lbs GVWR, you need a motor carrier policy and FMCSA filings — see Trucking.

What is 'drive other car' coverage?

Extends the commercial policy to owners/executives without a personal auto policy.

Related: commercial auto insurance Texas · business auto policy · fleet insurance

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your commercial auto exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

Start Smart Intake

Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.