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 tailored 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: Known for reliable service, crucial for smooth limousine operations.
• 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 costs for limousines can be higher compared to other vehicle types.
• Limited Specialized Coverage: May lack some niche coverage options tailored specifically for limousines.

#3 – American Family: Best Loyalty Rewards

Pros

• Loyalty Rewards: Offers benefits for long-term clients, advantageous for limousine service providers.
• Diverse Coverage Options: Provides a wide range of coverage choices suitable for commercial limousine insurance.
• Customized Service: Delivers tailored insurance plans to address specific needs of limousine services. Explore our American Family review.

Cons

• Potentially High Premiums: Insurance rates for limousines might be higher compared to other insurers.
• Fewer Commercial Discounts: Limited discount options for commercial 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: Fleet insurance costs for limousines may be relatively steep.
• Complex Policy Options: The variety of limousine coverage options can be intricate to navigate.

#5 – Travelers: Best for Extensive Network

Pros

• Extensive Service Network: Travelers partners with a broad network of maintenance and repair shops for limo insurance claims.
• Comprehensive Coverage Options: Provides thorough protection for various risks associated with 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: Facilitates convenient online management of commercial limo insurance and claims. Get a complete view in our Progressive review
• Cost-Effective Rates: Known for offering competitive comprehensive pricing on limousine insurance at $380/month.
• Flexible Coverage Options: Progressive livery insurance includes customizable coverage to address the needs of high-value limousines.

Cons

• Limited Specialty Coverage: Coverage options may not be as extensive for specialized limousine needs.
• Variable Customer Service: Quality of customer service may vary, impacting the support experience for limousines.

#7 – USAA: Best for Military Focus

Pros

• Military-Focused Coverage: Offers comprehensive insurance for limousines operated by military personnel.
• 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: Provides the cheapest limousine insurance rates starting at $155/month. For details, see our guide titled Why is Car insurance So Expensive?.
• Wide Coverage Options: Offers extensive protection for various aspects of limousine insurance.
• Convenient Online Management: Easy access to manage limousine policies and file claims online.

Cons

• Limited Customization: Fewer options for tailoring policies specifically for limousines.
• Basic Coverage Options: May lack specialized features for limousines compared to other insurers.

#9 – Allstate: Best for Extensive Discounts

Pros

• Varied Discounts: Offers multiple discount opportunities for commercial limo insurance.
• Personalized Service: Tailors insurance plans to fit the specific needs of limousine operators.
• Thorough Coverage: Provides extensive protection for high-value limousines. Discover details in our Allstate review.

Cons

• Higher Premiums Limousine insurance costs may be higher with Allstate.
• Complex Policy Selection: Range of options and discounts for limousine coverage can be intricate to understand.

#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: Premiums for limo insurance might be higher compared to 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 minimum and full coverage costs from top providers like Liberty Mutual and AmFam:

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.

Understanding the factors that affect commercial limousine insurance rates is crucial for securing the best coverage. 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.

By considering these factors, you can avoid overpaying for limousine insurance and choose a policy that offers the right balance of protection and affordability.

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

The Best Insurance Discounts for Limousines

Discover the range of discounts available from top insurance providers. This table highlights the various ways you can save on limousine insurance, including multi-policy, safe driver, and anti-theft device discounts.

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

Wondering how to get cheap car insurance? Compare options from different insurers to find the best savings opportunities and customize your policy to fit your needs and budget.

Expert Tips for Optimizing Limousine Insurance

Securing the best limousine insurance requires a strategic approach. By implementing these expert tips, you can ensure comprehensive coverage, maximize savings, and protect your fleet.

• Tailor Coverage: Ensure your policy is customized to cover the unique risks associated with operating a limousine, such as high-value liability and passenger safety.
• Explore Discounts: Take advantage of available discounts, like those for anti-theft devices or multi-policy bundling, to lower your premiums.
• Regular Reviews: Periodically review and update your insurance policy to reflect changes in vehicle value or usage patterns, ensuring you have adequate protection.
• Compare Providers: Shop around and compare quotes from different insurers to find the best rates and coverage options for your limousine.

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

Regularly review your policy, explore discounts, and compare providers to maintain the best coverage tailored to your needs.

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.

Frequently Asked Questions

What are the top vehicle insurance companies for commercial limousines?

The top vehicle insurance companies for commercial limousines include State Farm and Liberty Mutual. They offer specialized coverage options tailored to the unique needs of limousine operators, ensuring comprehensive protection.

Who is the most trusted insurance company for limousine insurance?

State Farm is considered the most trusted insurance company for limousine insurance. Its strong reputation and high customer satisfaction ratings make it a reliable choice for limo service providers.

Which company has the highest customer satisfaction for limousine insurance?

State Farm is known for having the highest customer satisfaction when it comes to limousine insurance claims and customer service.

What is the best insurance company for limousine coverage right now?

For the best limousine insurance coverage right now, Liberty Mutual, State Farm, and AmFam are the top choices. Compare the best car insurance companies for fleet vehicles to learn more.

Which limousine insurer is best for overall quality and customer satisfaction?

The best limousine insurer for overall quality and customer satisfaction is often State Farm or American Family. Both rank high and provide comprehensive coverage for limousines.

Which insurance company gives the best coverage for commercial limousines, including safety tips for driving at night?

Travelers is recognized for providing the best coverage for commercial limousines with expert training resources. Their policies include safety tips for driving at night and other guides and manuals, ensuring that limousine operators are well-protected.

Who is the largest commercial auto insurance company?

State Farm is the largest commercial auto insurance company in the U.S. by market share.

What is the best limousine insurance with the highest quality coverage?

Liberty Mutual is considered the best limousine insurance provider with the highest quality coverage. Their policies offer extensive protection and high customer satisfaction for limousine services.

Which insurance company has the most complaints regarding limousine insurance, including issues like speeding tickets?

Some insurers, like Geico, may have a higher number of complaints regarding limousine insurance, including issues related to speeding tickets. (Read more: How long does a speeding ticket stay on your record?)

What is the highest-rated limousine insurance company based on customer feedback?

State Farm is the highest-rated limousine insurance company based on customer feedback. It consistently receives top ratings for its coverage options and customer service in the limousine insurance market.