Does Business Car Insurance Cost More? 
Commercial auto insurance is what generally covers a business vehicle . These policies usually cover a fleet of vehicles and the rating is done against a list of drivers . The use of the vehicle and the mileage of the vehicle are two other critical rating components . As the fleet of vehicles gets larger the amount paid by the operator starts to closely reflect the losses suffered by the insurance company until the company gets large enough that it skips the insurance company and assumes all the risk , or most of the risk themselves . This is known as self-insurance . Personal auto policies are rated on other criteria . In some situations the policy may be less expensive than if it was on a commercial policy . Most of the time , however , because of their increased usage , the business auto policy will be more expensive . 