Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 12, 2021

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The Short of It

  • There may be only two auto insurance companies that allow personal insurance on business cars
  • Many companies will allow you to add rideshare coverage to a personal policy, while others will only allow you to have a separate regular or commercial policy
  • You may need to add a special endorsement to a non-owner auto insurance policy for business use of personal vehicle insurance

Are you looking for auto insurance companies that allow personal insurance on business cars? As it turns out, only a couple of the major auto insurers may let you do that, but others will allow limited business use on personal policies.

Most personal auto insurance policies will have an exclusion for the use of company cars. That means that you will have a gap in your auto insurance coverage.

How can you close the gap? First, you need to talk to your employer about what their commercial auto insurance will cover.

Second, talk to your auto insurance company about company car insurance rules and what will cover you when you use a company car. Can non-owner auto insurance help?

Read on to know more about the auto insurance companies that allow personal insurance on business cars and some that don’t. But if you want to see auto insurance rates from top companies in your area right now, enter your ZIP code into our free quote tool above.

The Major Auto Insurance Companies That Allow Personal Insurance on Business Cars

Allstate and State Farm will allow you to use personal auto insurance when driving a business car. Also, both companies offer rideshare insurance for drivers who use their cars for business.

Allstate notes that a personal auto insurance policy does not typically apply to business use. In most cases, even a small company should have small business car insurance to cover an employee’s use of a company car or business use of a personal vehicle.

In some cases, Allstate will cover you when you use your car for business. For example, you can have coverage while working for a rideshare company. Allstate’s Ride for Hire add-on insurance may even cover you if you deliver food for a transportation network company.

In other cases, you might have permission to use a company car for personal use. That presents a gap in coverage between your regular insurance needs and commercial insurance. A non-owner insurance policy might suffice here if you don’t use the car often.

Allstate does offer non-owner auto insurance policies, but you might need a special endorsement (or rider) on your policy. That may allow you to use a company car for personal use with coverage.

State Farm allows its policyholders to use their personal auto insurance with company cars. The company also allows you to hold regular and commercial auto insurance policies simultaneously.

Additionally, like Allstate, State Farm offers a rideshare insurance add-on. If you would like to work for a company like Doordash, you might need to add a food delivery designation with the add-on.

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Auto Insurance Companies That Don’t Allow Personal Insurance on Business Cars

We looked at 10 auto insurance companies that will not allow you to use your personal insurance on business cars: American Family, Dairyland, Erie, Farmers, GEICO, Liberty Mutual, Mercury, Insurance, Progressive, and USAA.

Most of these companies allow you to do rideshare work, which may include delivering food.

  • Farmers, GEICO, and Nationwide Insurance will require you to purchase a commercial auto insurance policy if you plan to use personal vehicles for business. GEICO also offers a separate rideshare insurance policy.
  • American Family, Erie, Liberty Mutual, and Mercury Insurance will allow you to use your regular-use car for rideshare work and food delivery, but with add-ons or expanded coverage.
  • Progressive and USAA will allow you to choose between a commercial policy or rideshare add-on. Progressive’s rideshare insurance add-on comes with a food-delivery endorsement if needed.

Most of these companies will only offer insurance to the person or business that owns the car, and if you transport goods or people, you will likely need a commercial insurance policy. In that case, you must replace your regular insurance with a commercial insurance policy.

All these companies except Dairyland offer commercial auto insurance. It looks like the company only covers individuals, so business insurance of any kind is out of the question. Dairyland doesn’t appear to have any rideshare coverage, either.

What can you do if you need auto insurance coverage for business cars?

Primarily, your employer is responsible for insuring any company vehicles. Most of the time, that only applies to business-related use of those vehicles. That said, there are rare occasions when your personal auto insurance policy can cover your use of a company car.

To close the gap in coverage while using company vehicle off-duty, you might need to add an endorsement to your personal auto insurance policy. This endorsement is often called “Extended Non-Owned Coverage for Named Individuals.”

The endorsement only provides bodily injury and property damage liability coverage for the vehicle. Also, if anyone else in your household may use the company car, you need to name them in the endorsement.

An alternative to the above method is a Non-Owned Auto Liability endorsement.

According to the Insurance Information Institute, your employer is responsible for adding a non-owner endorsement to their business insurance. However, that only covers you when you drive your car for business purposes.

Auto Insurance Companies That Allow Personal Insurance on Business Cars: The Bottom Line

As you can see, most auto insurance companies will not allow you to use your regular insurance on business cars. If you’re looking for affordable auto insurance companies that allow personal insurance on business cars, Allstate and State Farm are your only choices among major insurers.

If you choose another company, find one that will grant you an exception with a non-owner policy. Alternatively, find a company that allows you to carry personal and commercial insurance simultaneously.

Talk to your insurance company and your employer. Always make sure that you have coverage for different types of situations and find out more about some of the companies we mentioned here in the following reviews:

If you need to see rates from top auto insurance companies in your area right now, enter your ZIP code into our free quote tool below.