Cheap Commercial Auto Insurance in California
Got the contract? Get the insurance it requires today
Cheap commercial auto insurance in California shouldn't hold up your first day on the job.
Make one call and you're insured, with proof of insurance to send to the company that hired you.
Takes 2 minutes · Free quote · CA businesses
We're Here to Get Your Work Vehicle Insured Today
Drivers from Lancaster, Palmdale and Los Angeles on the price they got and how they were treated.
"Great customer service by Anna. Got me the lowest rate possible with an uplifting attitude, which is always refreshing. Thank you Anna!"
"Excellent customer service. Very low rates and amazing staff. Definitely recommending my family and friends!"
"Phenomenal service, excellent prices. I have been a customer for years. This is the only company I want to do business with when it comes to car insurance."
"Express insurance is the best ever. Mrs Corina was amazing, she made me feel comfortable and welcome along with her staff. She gave me the best affordable deal I can afford. I will tell everyone about express insurance. Thank you Mrs Corina!"
"Thank you Danny for taking care of me. Needed insurance for my vehicle and they took care of me right away. Fast, reliable, and easy. Would highly recommend anyone if they need their car covered."
"Great experience with my car insurance agency. Bryanna was very helpful, professional, and easy to work with. She made my call simple and stress-free. Highly recommend!"
"I like the place, also it was fast to sign up and renew insurance with Brandon in person. Thank you, see you next time!"
"I will always give this company five stars. Respectful, great customer service, always answer my questions, and I've been with them for a couple years now. Thank you Bryanna!!!!"
"I had an excellent experience working with Bryanna for my car insurance needs. Her professionalism and genuine care really stood out. She truly wanted to make sure I felt confident in my decision. Highly recommend Bryanna!"
"Great help, speedy responses, and stuck by us till we left the lot with our car the entire way. Would like to say a special thanks to Bryanna, she was amazing!!"
"I love Express Lane. Bre is always so helpful and nice, always taking the extra step to make sure you're happy. Thank you Express Lane!"
"Outstanding customer support and service. Karina works wonders and is polite, personable, and a delight to associate with."
Our Insurance Partners
Insured the same day
Your policy starts the day you call, with proof of insurance to send to the company that hired you.
Not incorporated yet?
We can work with that. Insure your work vehicle under your own name, or under your LLC or DBA if you have one.
First policy to $1M
Start with what your first job requires and move up when the DMV or a contract asks for more.
Each of these companies prices commercial auto insurance in California differently. We check them for you and bring back the lowest price we find.
Call NowYou Landed the Work
Now You Need the Insurance
Most of our commercial customers call the week their business takes a step up: a new contract, a bigger truck, or a client asking for proof of insurance. Sound familiar?
Your Personal Policy Stops at the Job
Personal auto insurance is priced for personal driving. If you have an accident while hauling tools, making deliveries or driving to a client, the insurance company can deny the claim.
The Paperwork Gets in the Way
Our clients tell us other companies asked for a stack of documents and a long list of questions that had nothing to do with the policy.
The Job Won't Wait
The company that hired you wants proof of insurance before you start. Every day without it is a day you aren't earning.
We Make Your First
Commercial Policy Easy
Paperwork you don't have time for.
Our clients tell us they were asked for unnecessary paperwork they didn't have, or couldn't find fast enough to start the job on time. Every hour spent chasing documents was an hour they weren't earning.
Only what the policy needs.
We ask what you drive, what you do and how far you travel for work. That is what it takes to find the policy that fits the job and protects you, at the lowest price we can find.
We Work for You, Not the Insurance Company
We shop multiple insurance companies to find the right rate and coverage for you, not just whoever pays us the most.
Haven't Incorporated Yet? We Can Work With That
Insure your work vehicle under your own name as a sole proprietor, or under your LLC or DBA if you have one.
A Policy That Grows With Your Business
Start with the policy your first job requires. When a contract asks for $750,000 or $1,000,000, we move you up.
One Work Vehicle or Up to 10
A single pickup, a couple of vans or a small fleet on one policy.
Work Vehicles We Insure
If you use it to earn a living, we can insure it, from a realtor's sedan to a lunch truck.
Pickup trucks
For contractors and tradespeople who haul their tools to the job.
Gardening and landscaping
For gardeners and landscapers with a route to keep.
Box trucks
For deliveries and moving jobs, including trucks rated over 10,000 pounds.
Cargo vans
ProMaster and other work vans used for deliveries, trades and service calls.
Stake bed trucks
For hauling materials, pallets and equipment.
Lunch trucks
For lunch trucks and food trucks that work a daily route.
Cars used for work
For realtors, salespeople and anyone who drives to clients.
Delivery vehicles
For drivers who deliver packages with their own vehicle, including Amazon Flex.
Which Policy Do You Need?
Your First Commercial Policy
You just landed work that requires commercial auto insurance and you want the lowest price that meets the requirement.
$750,000 Policy
If your truck is rated over 10,000 pounds, the DMV asks for $750,000 in coverage before it issues your motor carrier permit. We set up the policy that meets it.
$1,000,000 Policy
Bigger contracts often require $1,000,000 in coverage. Tell us what the contract says and we match it.
Not sure which one applies? Tell us who is asking, the DMV or the company that hired you, and we will tell you which policy meets it.
Insured in
Three Steps
Call Us
Tell us what you drive, what you do for work and how far you travel. No unnecessary documents, just the details the policy needs.
We Find Your Lowest Price
We check multiple insurance companies and bring you the best-priced policy that meets what your job requires.
Get Your Proof of Insurance
You're insured the same day you call, with proof to send to the company that hired you.
What Your Policy
Can Cover
Start with the liability coverage your job requires, then add protection for your own vehicle and tools if you need it.
Liability
Pays for injuries and damage you cause to others while driving for work. This is the part the DMV and your contracts require.
Collision
Pays to repair your work vehicle after an accident, no matter who is at fault.
Comprehensive
Covers theft, vandalism, fire, flooding and falling objects, including while parked at a job site overnight.
Uninsured Motorist
Pays for your injuries and damage when the driver who hit you has no insurance or not enough.
Rented and Employee-Owned Vehicles
Protects the business when you rent a vehicle for work or an employee drives their own. Contracts often call this hired and non-owned auto.
Tools, Cargo and Equipment
Helps replace tools, materials and goods damaged or stolen in transit.
One Uncovered Accident
Can Cost You the Business
If you drive for work on a personal policy, or with no policy at all, this is what you risk.
- Claims denied because you were driving for work
- Paying for injuries, repairs and legal costs yourself
- Losing the contract because you can't show proof of insurance
- Fines, registration suspension and an impounded vehicle
- No money to replace a stolen or totaled work vehicle
What California Requires
Since January 1, 2025, most vehicles must carry at least the amounts below. Trucks rated over 10,000 pounds need more.
Contracts often ask for more than the law does. Tell us what yours says.
Show Up to the Job
With Your Insurance Handled
- Start the job on time with proof of insurance in hand
- Say yes to contracts that require $750,000 or $1,000,000
- Keep the same agent as you add vehicles
- Bilingual help, hablamos español
What affects your price
- Vehicle Type
- How You Use It
- How Far You Travel
- Driving Record
- Coverage Amount
- Number of Vehicles
Got the Contract?
Get Insured Today
One call. No unnecessary paperwork, and proof of insurance the same day.
Call NowFrequently Asked Questions About Commercial Auto Insurance in California
Straight answers on cost, paperwork, the DMV's $750,000 requirement and how fast you can be insured.
Still have questions? Our agents are ready to help.
Call NowInsuring Work Vehicles Across California
We set up commercial auto policies anywhere in California by phone, with offices in Lancaster, Palmdale and Los Angeles.