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Commercial Auto Comparison Center

Compare $1 Million Commercial Auto Coverage Options

Build a quote-ready coverage profile, compare matching proposals, and spot costly gaps before you choose a policy. The tool is free to use and does not transmit your answers.

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No obligation No personal data sent About 5 minutes Printable results

Educational comparison tool—not an insurance quote, binder, or guarantee of coverage.

Coverage options Limit structures Build a plan Quote scorecard Federal check

Start With the Right Type of $1 Million Protection

“$1 million coverage” is incomplete unless the proposal identifies the liability structure, covered autos, covered drivers, policy territory, endorsements, exclusions, and whether defense expenses reduce the limit.

Common starting point

$1 Million Primary Auto Liability

Often quoted as a $1,000,000 combined single limit per covered accident.

• One limit for covered bodily injury and property damage
• Can be easier to compare and document
• Must still match the correct vehicles and drivers

Broader vehicle use

Owned, Hired and Non-Owned Auto

Useful when the business owns vehicles, rents or borrows autos, or has employees use personal vehicles for work.

• Owned or scheduled autos
• Hired auto liability when applicable
• Non-owned auto liability when applicable

Higher-loss protection

$1 Million Primary Plus Excess

A commercial umbrella or excess policy may add another layer above eligible primary auto liability.

• Confirm auto is an eligible underlying policy
• Check required primary limits
• Review exclusions in both policy layers

Important: Liability coverage for injury or damage to other people is not the same as physical damage coverage for your own vehicle. Ask separately about collision, comprehensive, towing, rental reimbursement, cargo, tools, and permanently attached equipment.

Compare the Limit Structure—not Just the Headline Number

A contract, lender, regulator, or umbrella insurer may care how the limit is constructed. Ask for written confirmation instead of assuming every route to “$1 million total” is interchangeable.

Structure	Potential advantage	What to verify	Best comparison question
$1M primary combined single limit	One primary limit can apply across covered bodily injury and property damage from an accident.	Per-accident wording, defense treatment, covered autos, drivers, exclusions, and filings.	“Does the declarations page show a $1,000,000 CSL for each covered accident?”
Split liability limits	May be available in some programs or states.	Per-person bodily injury, per-accident bodily injury, and property-damage caps.	“Could one component cap leave less protection than a $1M CSL?”
Lower primary limit plus umbrella/excess	May create a higher total limit when the upper policy properly follows the auto exposure.	Underlying-limit requirements, attachment point, exclusions, and whether the arrangement satisfies contracts or regulations.	“Will the exact requester accept a layered limit instead of $1M primary?”
$1M primary plus additional umbrella/excess	Adds protection for severe losses above the primary layer.	Auto eligibility, retained limits, aggregate wording, defense, exclusions, and all scheduled policies.	“Can I compare $1M, $2M, and $5M excess options over the same primary policy?”

Build Your Quote-Ready Comparison Plan

Choose the answers that best describe your operations. The tool will create a practical brief you can copy into an email or use during calls with licensed commercial insurance professionals.

Which vehicles does the business use? Select one Only vehicles the business owns or leases Only rented, hired, or borrowed vehicles Employees' personal vehicles for work A mix of owned, rented, and employee vehicles

How many business-use vehicles are involved? Select one 1 vehicle 2–5 vehicles 6–20 vehicles 21 or more vehicles

What best describes the operation? Select one Local service, sales, or contractor vehicles Delivery or courier operations For-hire trucking or interstate property carrier For-hire passenger transportation Hazardous materials or regulated commodities Other or mixed operations

Typical operating radius Select one Local—generally within 50 miles Regional—generally 51–200 miles Long distance—more than 200 miles Mixed or uncertain

Why are you considering a $1 million limit? Select one A customer, lease, or contract requires it Business-asset and lawsuit protection A regulator or operating authority requires it An umbrella insurer requires it I am not sure

Could FMCSA filings or an MCS-90 apply? Select one Yes No Not sure

Do you want coverage for damage to your vehicles? Select one Yes No Not sure This is separate from liability to other people.

Do you want to compare limits above $1 million? Select one Yes—show umbrella or excess options No—compare $1M primary options Not sure—show both approaches

Privacy: your selections are processed only in this browser. This page does not submit or store them.

Use the Same Scorecard for Every Quote

Enter the written terms—not verbal assumptions. A fair comparison uses the same vehicles, drivers, operations, effective date, liability limit, physical-damage deductibles, and requested endorsements.

Compare	Quote A	Quote B	Quote C
Insurer / program
Total annual premium
$1M CSL shown in writing?
Covered autos / VINs correct?
Hired auto liability
Non-owned auto liability
Collision / comprehensive deductibles
Defense costs treatment
Required filings / MCS-90
Umbrella / excess option
Important exclusions / restrictions

Do the Federal Limit Check Before Relying on $1 Million

Federal motor-carrier requirements vary by entity type, authority, vehicle, cargo, and passenger capacity. These simplified examples help flag when $1 million may be more than required, exactly required, or insufficient.

Selected operation	Federal example	What $1M means
For-hire non-hazardous property carrier, GVWR 10,001 pounds or more	$750,000	May exceed this federal minimum, but contracts and state rules can differ.
Certain oil, hazardous waste, materials, or substances described in 49 CFR 387.9	$1,000,000	May match the federal minimum only when the exact operation falls in this category.
Specified higher-hazard carriage described in 49 CFR 387.9	$5,000,000	$1 million would not satisfy this federal minimum.
For-hire passenger carrier with 15 or fewer passengers	$1,500,000	$1 million would not satisfy the listed FMCSA requirement.
For-hire passenger carrier with 16 or more passengers	$5,000,000	$1 million would not satisfy the listed FMCSA requirement.

Do not self-classify from this short table. Check the current rule, FMCSA filing chart, state requirements, and your exact contracts. FMCSA states that required insurance filings are normally made by the financial-responsibility provider on behalf of the applicant or registered entity.

Final Questions to Ask Before Binding Coverage

• Does the declarations page show the intended $1,000,000 limit and policy period?
• Is the correct legal business entity the named insured?
• Are every vehicle, VIN, garaging address, driver, and operation accurately listed?
• Are hired and non-owned autos included where the business needs them?
• Are collision and comprehensive included for vehicles that need physical damage protection?
• How are defense costs treated, and can they reduce the amount available for damages?
• Do endorsements satisfy the exact customer, landlord, lender, or umbrella requirement?
• Are additional insured, primary and noncontributory, waiver, or notice provisions required?
• Will the insurer make every required state or federal filing under the correct legal name?
• What exclusions, driver restrictions, radius limits, or vehicle-use restrictions could affect a claim?
• Is the insurer and producer licensed for the state where coverage is placed?
• Has the new policy been confirmed in writing before any current coverage is canceled?

Ready to Compare Written Proposals?

Build your plan above, request two or three quotes using the same information, and use the scorecard to compare coverage—not just premium.

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Official Resources

• NAIC: Small Business Insurance and Commercial Auto
• FMCSA: Insurance Filing Requirements
• eCFR: 49 CFR § 387.9 Financial Responsibility Minimum Levels
• NAIC: Find State Insurance Departments and Local Agents

Regulatory references reviewed August 16, 2026. Rules and agency procedures can change; use the linked official pages to confirm current requirements.

Disclaimer: This page provides general educational information for U.S. businesses. It is not an insurance quote, coverage recommendation, legal opinion, or promise that a claim will be covered. Policy language, underwriting, availability, premiums, state laws, federal rules, contracts, and filing requirements vary. Only the issued policy and applicable endorsements determine coverage. Consult a licensed insurance professional and, when appropriate, legal or regulatory counsel about your specific operation.