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Home » Car Insurance Companies » Best Car Insurance » Car Insurance for Transporting Clients [2024 Update]
Jessica Sautter
Content Writer & Educator
Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.
Written by Jessica SautterContent Writer & Educator
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi.
Reviewed by Brandon FradyLicensed Insurance Agent
UPDATED: Feb 18, 2024
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UPDATED: Feb 18, 2024
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
If you find that transporting clients for work is excluded, you can use a comparison tool to find a business-use or commercial car insurance policy that meets your needs If your job requires that you regularly transport clients, you may need additional car insurance because standard car insurance policies don’t always cover work-related driving, including transporting clients between locations.
You may need extra commercial car insurance for transporting clients, but does it cost more to insure a car for business use?
If you need a car insurance policy that covers you while you transport clients, you can find one by using our car insurance comparison tool.
Once you determine that you need a car insurance policy that covers more than your personal car insurance policy, you will need to determine if you need business-use or commercial car insurance.
Read More: Best Car Insurancein order to drive a commercial vehicle, you must be on the policy as an insured. Who is an insured on a commercial auto policy? Anyone who is on the policy as a potential driver. If your company has a commercial policy for your vehicle, you’ll be an insured. If you have a commercial policy on your personal vehicle, that also makes you the insured.
“The insured” refers to anyone who will be covered if they cause damages while driving the vehicle.
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In order to understand why your current car insurance policy may not cover you if you get into a car accident that can affect your rates, you should understand the differences between a personal or basic car insurance policy and business car insurance policy.
If you’re driving clients in your personal vehicle, it’s important to consider business car insurance.
Regardless of which type of insurance you end up with, you’ll need at least liability coverage. This video from Allstate talks about what liability covers.
Each state has its own requirements for liability coverage. You can search the table below with data from the Insurance Information Institute for your state to see what yours are.
Liability Requirements by State| State | Insurance required | Minimum liability limits |
|---|---|---|
| AL | BI & PD Liab | 25/50/25 |
| AK | BI & PD Liab | 50/100/25 |
| AR | BI & PD Liab, PIP | 25/50/25 |
| AZ | BI & PD Liab | 15/30/10 |
| CA | BI & PD Liab | 15/30/5 |
| CO | BI & PD Liab | 25/50/15 |
| CT | BI & PD Liab, UM, UIM | 25/50/20 |
| DC | BI & PD Liab, UM | 25/50/10 |
| DE | BI & PD Liab, PIP | 25/50/10 |
| FL | PD Liab, PIP | 10/20/10 |
| GA | BI & PD Liab | 25/50/25 |
| HI | BI & PD Liab, PIP | 20/40/10 |
| IA | BI & PD Liab | 20/40/15 |
| ID | BI & PD Liab | 25/50/15 |
| IL | BI & PD Liab, UM, UIM | 25/50/20 |
| IN | BI & PD Liab | 25/50/25 |
| KS | BI & PD Liab, PIP | 25/50/25 |
| KY | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| LA | BI & PD Liab | 15/30/25 |
| MA | BI & PD Liab, PIP | 20/40/5 |
| MD | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| ME | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| MI | BI & PD Liab, PIP | 20/40/10 |
| MN | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| MO | BI & PD Liab, UM | 25/50/25 |
| MS | BI & PD Liab | 25/50/25 |
| MT | BI & PD Liab | 25/50/20 |
| NC | BI & PD Liab, UM, UIM | 30/60/25 |
| ND | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| NE | BI & PD Liab, UM, UIM | 25/50/25 |
| NH | FR only | 25/50/25 |
| NJ | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| NM | BI & PD Liab | 25/50/10 |
| NV | BI & PD Liab | 25/50/20 |
| NY | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| OH | BI & PD Liab | 25/50/25 |
| OK | BI & PD Liab | 25/50/25 |
| OR | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| PA | BI & PD Liab, PIP | 15/30/5 |
| RI | BI & PD Liab | 25/50/25 |
| SC | BI & PD Liab, UM, UIM | 25/50/25 |
| SD | BI & PD Liab, UM, UIM | 25/50/25 |
| TN | BI & PD Liab | 25/50/15 |
| TX | BI & PD Liab, PIP | 30/60/25 |
| UT | BI & PD Liab, PIP | 25/65/15 |
| VT | BI & PD Liab, UM, UIM | 25/50/10 |
| VA | BI & PD Liab, UM, UIM | 25/50/20 |
| WA | BI & PD Liab | 25/50/10 |
| WI | BI & PD Liab, UM, Medpay | 25/50/10 |
| WV | BI & PD Liab, UM, UIM | 25/50/25 |
| WY | BI & PD Liab | 25/50/20 |
The Digest of Motor Laws goes into more detail on limits if you want to find out more.
In addition to liability, comprehensive, and collision, you’ll want to look into uninsured coverage. Some states require it, but you can add it to your policy. If you’re hit by an uninsured driver, you’ll have to pay out of pocket without it. NOLO notes that you can’t have more uninsured coverage than your basic liability level of coverage.
Business-use and commercial-use insurance policies are typically more expensive than personal car insurance policies, but this is because they provide more coverage and specifically include transporting clients and materials in your vehicle.
Thankfully, it is easy to purchase a car insurance policy that covers everything you need it to cover, especially when you use the services of a car insurance comparison tool.
Once you pay for your new policy and print your cards, make sure your policy is active before you drive your car to transport clients. This insurance will ensure that you are covered if you get into an accident while driving and transporting clients during your workday.
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In order to determine if you need commercial auto insurance, you will have to objectively evaluate your driving habits and read through your current car insurance policy for exclusions.
Most personal car insurance policies exclude all business use except for farming and ranching operations.
This means that if you are transporting clients in your personal vehicle, you may need either business use or commercial use insurance.
Do commercial vehicles need insurance? If you’re using a larger vehicle, such as a van that’s owned by your company, it definitely needs car insurance. Check with your company and verify they already have coverage.
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We’ve answered a few more questions below. Read on to find out more about car insurance for transporting clients.
The price of a commercial policy depends on a variety of factors, so it’s hard to give one rate. Some things that influence commercial rates are:
In addition, rates are influenced by factors that affect all car insurance policies, such as your driving record, credit history, and age.
Car insurance for care workers may need additional coverage. However, it depends on what you’re doing in the course of your job. If part of your job is driving your patients to appointments and other places, you’ll need to get commercial car insurance on top of your personal coverage.
The Center for Disease Control and Prevention notes that home healthcare workers are at a higher risk for car wreck-related injuries. Factors like distracted driving, driving while tired, and poorly maintained vehicles all can contribute to injuries. OSHA emphasizes that the last factor — the maintenance of vehicles — is super important, as that is an easily avoidable problem.
Social workers transporting clients should check with your home health care agency about adding caregivers to their car insurance, just to verify they have already
Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!
Compare quotes online today for business use of your personal vehicle car insurance to transport clients by entering your zip code below.
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