Liberty Mutual, State Farm, and American Family are the best car insurance companies for limousines.

These top providers deliver superior protection, reliability, and exclusive benefits to meet the needs of luxury fleet owners.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A	Comprehensive Coverage	Liberty Mutual
	#2	17%	B	Reliable Service	State Farm
	#3	25%	A	Loyalty Rewards	American Family
	#4	20%	A	Tailored Policies	Farmers
	#5	13%	A++	Extensive Network	Travelers
	#6	10%	A+	Competitive Pricing	Progressive
	#7	10%	A++	Military Focus	USAA
	#8	25%	A++	Affordable Rates	Geico
	#9	25%	A+	Extensive Discounts	Allstate
	#10	20%	A+	Personalized Service	Nationwide

What is comprehensive insurance coverage? It offers broader protection options for luxury fleet vehicles like limousines. Keep reading to compare comprehensive limousine insurance policies from the top ten companies.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool above to find the best policy for you.

What You Should Know

• Liberty Mutual stands out with comprehensive coverage for limousines at $420/month
• American Family has the best loyalty rewards and insurance discounts for limousines
• Geico is the cheapest car insurance company for limousines starting at $150/month

#1 – Liberty Mutual: Top Overall Pick

Pros

• Comprehensive Coverage: Offers broad protection for limousines, covering liability, collision, and theft. See our Liberty Mutual review for more.
• Robust Claims Support: Ensures strong assistance for managing intricate fleet insurance claims involving high-value limousines.
• Expert Fleet Management: Limo insurance comes with expert risk management tools for business owners.

Cons

• Higher Premiums: Fleet insurance costs are higher with Liberty Mutual than other car insurance companies.
• Fewer Discounts: Limited availability of insurance discounts for limousines compared to some other providers.

#2 – State Farm: Best Reliable Service

Pros

• Dependable Service: Offering the dependable services required to drive an efficient limo service.
• Tailored Coverage Options: Provides customizable insurance plans for limos and luxury transportation needs. Read our State Farm review for more.
• Roadside Assistance: Includes emergency support and breakdown services for limousine operators.

Cons

• Elevated Premiums for Specialty Vehicles: Insurance can cost more if you drive a limousine than it does to insure some other types of vehicles.
• Limited Specialized Coverage: May lack some niche coverage options tailored specifically for limousines.

#3 – American Family: Best Loyalty Rewards

Pros

• Loyalty Rewards: Benefits current creditable clients, appreciated with limousine service providers.
• Diverse Coverage Options: Offers a variety of different coverage options that are appropriate for commercial limousine insurance.
• Customized Service: Delivers tailored insurance plans to address specific needs of limousine services. Explore our American Family review.

Cons

• High Premiums: Limo insurance can be pretty costly compared to other insurers.
• Fewer Commercial Discounts: Few commercial discount choices available for limousine insurance.

#4 – Farmers: Best for Tailored Policies

Pros

• Customized Policies: Offers insurance solutions designed to meet the unique needs of limousines. Find additional info in our review of Farmers.
• Efficient Claims Handling: Provides effective management of business and fleet insurance claims for high-value limousines.
• Variety of Coverage Options: Includes a broad range of insurance choices suitable for limousines.

Cons

• Potentially High Premiums: The costs of fleet insurance for limo fleets are expensive.
• Complex Policy Options: The amount policy choices for limousines might be difficult to sort through.

#5 – Travelers: Best for Extensive Network

Pros

• Extensive Service Network: Travelers works with an extensive service network for limo insurance claims, finding a repair shop easily.
• Comprehensive Coverage Options: Full coverage options: Get better coverage for the many risks of limousines. Find the full list in our Travelers review.
• Fleet Risk Management Solutions: Transportation specialists provide training programs, technical guides, and more for limousine drivers.

Cons

• Insurance Higher Costs: Car insurance rates for limousines might be on the higher side with Travelers.
• Limited Discount Availability: Fewer discount options specifically for limousine insurance.

#6 – Progressive: Best Online Tools

Pros

• Easy Online Access: Makes it easy to quote and service commercial limo insurance online. Get a complete view in our Progressive review
• Cost-Effective Rates: Offers most people a very competitive price on limo insurance for around $380/mo.
• Flexible Coverage Options: Progressive for-hire insurance features payment options tailored to accommodate high-value limos.

Cons

• Limited Specialty Coverage: Coverage options may not be as extensive for specialized limousine needs.
• Disparate Customer Service: As it is reported by clients too, customer service level can be different and this causes diversity in the support experience for limousines.

#7 – USAA: Best for Military Focus

Pros

• Military-Focused Coverage: Provides coverage for limousines driven by members of the armed forces.
• Affordable Rates for Members: Provides cost-effective rates and discounts for eligible military members with commercial limousine insurance.
• Strong Claims Support: Efficient handling of claims for high-value limousines. See our USAA review for details.

Cons

• Eligibility Constraints: USAA limousine insurance is only available to military members and their families.
• Partners With Other Companies: USAA doesn't offer its own fleet insurance for limousines but partners with other commercial auto companies.

#8 – Geico: Best for Affordable Rates

Pros

• Competitive Rates: Offers the lowest limousine insurance rates from $155/month. For details, see our guide titled Why is Car insurance So Expensive?.
• Wide Coverage Options: Coverage in various parts of the limousine insurance.
• Convenient Online Management: Manage limousine policies and file claims online easily.

Cons

• Limited Customization: Fewer customization choices for your limo-centered policies.
• Simple Coverage Choices: This company offers somewhat limited choices for limousine operators.

#9 – Allstate: Best for Extensive Discounts

Pros

• Diverse Discounts: Provides various avenues for discounts on commercial limo insurance.
• Individual Attention: Customizes insurance programs according to the distinctiveness of limousine providers.
• Comprehensive Coverage: Sale of liners for high-dollar limos. Find out more in our Allstate review.

Cons

• More Expensive: Insurance through Allstate could be more expensive than other means of obtaining limousine insurance.
• Confusing Policy Selection: Limousine insurance ranges and discounts for luxury vehicles can be complex in nature.

#10 – Nationwide: Best for Personalized Service

Pros

• Tailored Service: Delivers customized insurance solutions for limousine operators. Learn more in our Nationwide review.
• Extensive Coverage Options: Offers a broad selection of insurance choices for limousines.
• Effective Support: Provides strong customer support for managing limousine policies and claims.

Cons

• Potentially Higher Costs: It is possible that the cost of limo insurance premiums may be higher than some competitors.
• Limited Discount Options: Fewer discounts specifically for limousine insurance.

Top Limousine Insurance Rates by Company

Looking for the best car insurance companies for fleet vehicles like limousines? Here’s a quick comparison of monthly rates: Allstate at $170 and AmFam at $175, helping you choose the best option among top providers.

Insurance Company	Minimum Coverage	Full Coverage
	$170	$390
	$175	$395
	$180	$410
	$150	$345
	$190	$420
	$165	$375
	$164	$380
	$160	$370
	$185	$405
	$155	$365

Car insurance for limousines will not be included in your personal policy unless you are driving a limo for personal use. If you are using a limousine or fleet of limos as part of your business, you will need to buy commercial auto insurance.

You need the best coverage for your commercial limousine insurance rates to get it and that means understanding what will affect those prices. Key elements include:

• Vehicle Value and Features: The luxury and high value of limousines significantly raise premiums.
• Commercial Use: High mileage and frequent use for transporting large groups can lead to higher rates.
• Coverage Needs: Extensive liability and protection against high-cost claims contribute to increased insurance costs.

You can sidestep paying too much for limo insurance by thinking about these factors and going with a policy that strikes the right balance of coverage and cost.

Read More: Do you know the costs of having the wrong car insurance coverage?

The Best Insurance Discounts for Limousines

Shop and Compare Discounts from Auto Insurance Providers Some of the methods you can use to save on limousine insurance are mentioned in this table like multi-policy, safe driver, anti-theft device discounts etc.

Insurance Company	Available Discount
	Bundling, Safe Driver, Responsible Payer, Anti-Theft Device
	Bundling, Low Mileage, Defensive Driving, Good Driver
	Bundling, Safe Driver, Anti-Theft Device, Business Professional
	Bundling, Safe Driver, Anti-Theft Device, Defensive Driving
	Bundling, Safe Driver, Anti-Theft Device, Pay-In-Full
	Bundling, SmartRide (Usage-Based), Safe Driver, Anti-Theft
	Bundling, Safe Driver, Pay-In-Full, Snapshot (Usage-Based)
	Bundling, Safe Driver, Accident-Free, Vehicle Safety
	Bundling, Safe Driver, Continuous Insurance, Anti-Theft
	Bundling, Safe Driver, Defensive Driving, Loyalty

How to get cheap car insurance? Find the savings opportunities from a wide variety of insurers to compare and tailor your policy that fits you best, for this just plug in last domain link.

Expert Tips for Optimizing Limousine Insurance

Getting the Best Limousine Insurance Needs a Big Picture Approach With these expert tips in mind, you can feel confident that your coverage is as thorough and saves you the most possible while providing protection for all of your vehicles.

• Customize Coverage: Be sure that it offers you the customized policy to cover high-value liability and passenger protection, as limousine is meant for five stars.
• Check For Discounts: Use discounts which are available, like aerial theft discount or multi-policy bundling, to reduce your premium.
• Regular Reviews: You should periodically have your policy reviewed to confirm that right vehicle is being insured for the correct use.
• Compare Providers: Comparison shopping has always been one of the best ways to get better rates and more coverage options from different insurers.

Applying these strategies will help you achieve optimal protection and cost-efficiency for your limousine insurance.

Take the time to check your policy regularly, look into discounts and shop around with different providers in order to keep yourself protected as best you can for what works best for you.

Learn More: Top Ways Customers Have Saved Money on Car Insurance.

Where to Find the Best Car Insurance for Limousines

Liberty Mutual, State Farm, and American Family are the best car insurance companies for limousines and luxury fleet vehicles.

Along with discounts, the easiest way to find cheap limousine insurance is to use a car insurance calculator to compare quotes online. Many of the top providers offer free quotes on their websites.

But if you want to compare multiple quotes at once, enter your ZIP code below into our free comparison tool to see affordable limousine insurance companies near you.