The Hartford does not currently offer this coverage online for small businesses, but we recognize that this is a coverage many businesses need. You may be able to get the coverage you're looking for through a local agency or with Tivly.
Get the Coverage You Need for Commercial Auto Insurance in NJ
Commercial auto insurance in NJ helps protect businesses that use vehicles by covering risks like accidents, property damage and injuries that can happen on the road while driving for business purposes. Unlike personal auto insurance, commercial auto coverage is designed for business‑owned vehicles and personal vehicles used for work. Learn more about what commercial auto insurance is and how commercial auto insurance works, and then get a quote from Tivly.
Who Needs Commercial Auto Insurance in New Jersey?
Businesses in New Jersey typically need commercial auto insurance if they use any company-owned vehicles or personal vehicles for work, such as traveling to jobsites, making deliveries or transporting equipment. This type of coverage is designed for companies that rely on vehicles as part of their daily operations and face risks that go beyond what a personal auto policy is meant to cover.
Commercial auto insurance is commonly needed by businesses across a wide range of industries, including:
What’s the Difference Between Commercial Auto and Personal Auto Insurance?
Personal auto insurance is designed for vehicles driven for personal use, while commercial auto insurance covers company‑owned vehicles and personal vehicles used for business purposes. Commercial auto policies typically offer broader protection than personal auto policies, including higher limits and liability coverages tailored to business risks. In most cases, all business employees with valid driver’s licenses are also covered when driving insured vehicles for work.
Does New Jersey Require Commercial Auto Insurance?
Yes, New Jersey generally requires commercial auto insurance for businesses that own or use vehicles for work-related purposes. If your business operates company-owned vehicles or if employees use personal vehicles for work, commercial auto coverage is typically required to meet state laws.
New Jersey is a no-fault insurance state, which means drivers must carry personal injury protection (PIP) to help cover medical expenses after an accident, regardless of who is at fault. Minimum liability requirements apply, though required limits can vary based on factors like vehicle type, weight and how the vehicle is used for business.
What Does Commercial Vehicle Insurance in NJ Cover?
Commercial vehicle insurance helps protect businesses in New Jersey from financial losses related to auto accidents and other risks involving vehicles used for work. While coverages can vary based on your business, types of vehicles and how they’re used, commercial auto insurance typically includes these protections:
- Bodily injury liability: Helps cover medical expenses if you or an employee injures someone in an auto accident while driving for work.
- Property damage liability: Helps pay for damage you or your employees cause to another person’s vehicle or property in a covered accident.
- Collision coverage: Helps pay for repair or replacement costs if your insured vehicle is damaged in a collision with another vehicle or object, like a pole.
- Comprehensive coverage: Helps pay for damage to your vehicle caused by non-collision events, such as theft, fire or severe weather.
- Medical payments: Helps cover medical expenses for you or your passengers after an accident, regardless of who was at fault.
- Drive Other Car Coverage: Helps protect your business’ executive officers and their spouses if they drive vehicles that aren’t on your commercial auto insurance policy.
- Hired and Non-Owned Auto Insurance: Helps protect your business from liability claims and lawsuits if you or your employees are involved in an accident with a personal, rented or leased car that was used for business reasons. This coverage will not pay for damages to the personal, rented or leased car, or bodily injuries that happen to you or your employees.
What Types of Vehicles Are Covered by Commercial Car Insurance in NJ?
Commercial car insurance in New Jersey may cover a wide range of vehicles owned by a business or used for work-related purposes, depending on the policy and how the vehicle is used. Common vehicle types include:
- Cars and sedans
- Pickup trucks
- Vans and service utility vehicles
- Box trucks and light-duty trucks
- Specialty vehicles used for specific business operations
Box Truck Insurance
A box truck is a commercial vehicle with an enclosed cargo area attached to the cab that’s commonly used to haul goods or equipment for business. Learn more about box truck insurance.
Commercial Van Insurance
Commercial vans are cargo or passenger vans that help businesses transport tools, equipment, people or deliveries for work. Learn more about commercial van insurance.
Commercial Truck Insurance
Commercial trucks are vehicles used for business purposes, such as hauling materials, making deliveries or supporting jobsite operations. Learn more about commercial truck insurance.
How Much Is Commercial Auto Insurance in New Jersey?
While The Hartford doesn’t offer commercial auto insurance online for small businesses, the average cost for this coverage is $574 a month, or $6,884 a year.** Keep in mind that the amount of premium you’ll pay for a policy depends on your industry and the types of vehicles your business operates. Your commercial auto insurance premium may be different than the average cost.
Factors That Affect NJ Commercial Auto Insurance Costs
The cost of commercial auto insurance in New Jersey can vary based on several factors related to your business, vehicles and coverage needs. Some factors that may influence your insurance price include:
- Type of business
- Vehicle type and value
- Driving history
- Typical travel radius
- Type of load company vehicles typically carry
- Location of your company
- Coverage limits and deductibles
How Can I Lower My NJ Commercial Auto Insurance Cost?
While commercial auto costs can vary, there are a few steps New Jersey businesses can take to help manage their premiums. Maintaining safe driving records, choosing coverage limits that match your needs and exploring available discounts can help keep costs down.
Get a Quote for Commercial Vehicle Insurance in NJ
If you’re comparing commercial auto insurance companies in New Jersey, we can help point you in the right direction. While The Hartford doesn’t currently offer this coverage, you can get a quote from Tivly to explore pricing and coverage options.
Frequently Asked Questions About Commercial Auto Insurance in NJ
Is Commercial Vehicle Insurance in New Jersey Cheaper Than Personal Auto Insurance?
Commercial vehicle insurance isn’t typically cheaper than personal auto insurance because it’s designed to cover higher risks associated with business use. Keep in mind that costs will vary based on factors like how your vehicles are used, who’s driving them and the level of coverage your business needs.
What Makes a Vehicle Commercial in NJ?
A vehicle is generally considered commercial in New Jersey if it’s owned by a business or used for work related purposes, such as making deliveries or traveling to jobsites. Even personal vehicles may be considered commercial when they’re regularly used for business activities.
Which Insurance Is Best for a Commercial Vehicle?
The best insurance for a commercial vehicle depends on your business, the type of vehicle you use and how it’s driven for work. Coverage needs can vary, so it’s important to consider the risks your business faces and choose options that fit those needs.
Last Updated: August 27, 2026
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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