Affordable Commercial Auto Insurance Georgia
Protect Your Business Vehicles and Employees in Georgia
From delivery vans in Atlanta to contracting trucks in Savannah, your business vehicles are essential to your daily operations. At Blake Insurance Group, we offer affordable commercial auto insurance in Georgia to help protect your company’s vehicles, drivers, and bottom line. Whether you operate one vehicle or an entire fleet, we provide tailored coverage to keep your business moving forward.
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Why Small Businesses in Georgia Need Commercial Auto Insurance
In Georgia, commercial auto insurance is required by law for any vehicle used for business purposes. But it’s more than just a legal requirement—it’s a smart investment. One accident involving a business vehicle can result in costly medical bills, property damage, and lawsuits. Without proper coverage, your company could face devastating financial consequences.
With commercial auto insurance from Blake Insurance Group, you gain peace of mind knowing you’re protected against unexpected losses, allowing you to focus on what matters most—running your business.
Coverage Options for Business Auto Insurance in Georgia
Every business is unique, which is why we offer flexible and customizable coverage options for commercial auto insurance in Georgia. Coverage may include:
Liability Coverage – Required in Georgia; covers injuries and property damage you cause to others.
Medical Payments (MedPay) – Helps pay for medical expenses for your drivers and passengers.
Comprehensive Coverage – Covers non-collision incidents like theft, vandalism, fire, and weather damage.
Collision Coverage – Pays for damage to your vehicle from an accident, regardless of fault.
Uninsured/Underinsured Motorist – Protects you if another driver has little or no insurance.
Hired & Non-Owned Auto Insurance (HNOA) – Covers personal or rented vehicles used for business.
Rental Reimbursement & Towing – Helps cover costs while your vehicle is in the shop.
Our agents work with top-rated carriers to provide coverage that fits your business and budget.
Who Needs Commercial Vehicle Insurance in Georgia?
You need commercial auto insurance in Georgia if you or your employees:
Drive company-owned vehicles for business
Use personal vehicles for deliveries or client visits
Transport tools, equipment, or products
Operate mobile service businesses (cleaning, catering, maintenance, etc.)
Lease, rent, or own vehicles titled under your business name
Even occasional business use of a personal vehicle can require commercial coverage, especially if your personal policy excludes business-related incidents.
Industries We Insure: Contractors, Delivery, Trucking, and More
At Blake Insurance Group, we provide business auto insurance solutions for a wide variety of Georgia-based industries, including:
General contractors and construction firms
Electricians, HVAC techs, and plumbers
Landscapers, pest control, and mobile cleaning companies
Courier and local delivery services
Freight and trucking companies
Food trucks and catering services
Non-emergency medical transportation (NEMT) providers
Real estate and property managers
No matter your industry, we’ll tailor a policy that works for your risk profile and operational needs.
Fleet Insurance Solutions for Small and Mid-Sized Businesses in Georgia
Managing multiple vehicles? Our fleet insurance options are perfect for small and mid-sized Georgia businesses with two or more vehicles. With one simplified policy, you get the flexibility and savings you need to grow your operations.
Benefits include:
Easier billing and renewals
Multi-vehicle and safe-driver discounts
Customizable coverage per driver or vehicle
Dedicated support for claims and policy changes
Optional risk management resources
We’ll help you protect your fleet while keeping insurance affordable and efficient.
Why Choose Blake Insurance Group for Your Commercial Auto Insurance Needs
As an independent agency, Blake Insurance Group works with multiple top-rated insurers to find the most competitive commercial auto insurance options for Georgia businesses.
Why clients trust us:
✅ Local knowledge of Georgia insurance laws
✅ Fast, no-pressure quotes
✅ Personalized attention from licensed agents
✅ Tailored coverage for any business size or industry
✅ Claims support when you need it most
Our mission is to protect what drives your business—literally.
Get a Fast, Free Quote for Commercial Auto Insurance in Georgia
Don’t leave your business exposed. Contact Blake Insurance Group today for a fast, free, no-obligation quote on commercial auto insurance in Georgia. We’ll match you with the right coverage at the best possible rate.
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Our Service Areas for Business Auto Insurance Near You
We proudly serve commercial clients across Georgia, including:
Atlanta
Augusta
Columbus
Macon
Savannah
Athens
Albany
Roswell
Sandy Springs
Johns Creek
Warner Robins
And surrounding communities throughout the state
Wherever you do business in Georgia, we’re here to help you protect it on the road.
FAQs: Affordable Commercial Auto Insurance Georgia
Is commercial auto insurance required in Georgia?
Yes. Georgia law requires all vehicles used for business purposes to carry commercial auto insurance. The minimum required liability limits are $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25).
Who needs commercial auto insurance in Georgia?
Any business that owns, leases, or uses vehicles for work—such as deliveries, transporting goods, or client visits—must have commercial auto insurance. This includes cars, vans, trucks, food trucks, and specialty vehicles. Using a personal auto policy for business vehicles is not allowed and can leave your business exposed.
What does commercial auto insurance cover in Georgia?
Standard policies include:
- Bodily injury and property damage liability (required)
- Collision and comprehensive coverage (optional)
- Medical payments or personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Rental car coverage
Coverage can be customized to your business’s needs.
What is not covered by commercial auto insurance?
Common exclusions are intentional damage, damage from pollutants, and injuries covered by workers’ compensation. Cargo or customer property in transit may require separate coverage.
How much does commercial auto insurance cost in Georgia?
The average cost is about $236 per month, but many small businesses pay less than $100 monthly. Rates vary based on vehicle type, business use, location, driver history, and coverage options.
How does commercial auto insurance work in Georgia?
It works like personal auto insurance: liability coverage pays for damages and injuries you cause in an accident; collision and comprehensive cover your business vehicle for crashes or non-collision events like theft or weather damage. Higher coverage limits offer more protection.
Does commercial auto insurance cover personal use?
If employees are permitted to use business vehicles for personal reasons, the policy generally covers accidents during those trips. Always confirm this with your agent.
Is commercial auto insurance tax deductible in Georgia?
Yes. Premiums paid for commercial auto insurance are generally tax deductible as a business expense. Keep documentation for your tax advisor.
When do you need to get commercial auto insurance in Georgia?
You need business insurance for your vehicle as soon as you buy and register it with your business or start using a personal vehicle for business purposes.
What types of vehicles are covered?
Commercial auto insurance in Georgia can cover cars, vans, pickup trucks, box trucks, service utility trucks, dump trucks, tractor-trailers, and more, as long as they’re used for business purposes.
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Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent