Commercial Auto Insurance in Long Beach, CA
Work cars, vans and trucks in Long Beach, one vehicle to a fleet — quoted by phone or text.
Commercial policies are quoted by a licensed agent — call or text with your business details, or request a quote online and we’ll follow up fast.
In short
Commercial auto insurance covers vehicles used for work — deliveries, hauling tools or equipment, transporting clients, or anything beyond personal commuting — and a personal auto policy may not pay a claim on one. Auto World, a licensed California broker (#6005606), compares commercial carriers for Long Beach and Los Angeles County businesses.
Commercial driving in Long Beach
On an average day in 2023, vehicles traveled 3,673,130 miles on Long Beach's streets, by Caltrans's estimate. For Long Beach that year, the Office of Traffic Safety counted 3,774 people killed or injured in reported collisions (1st), 496 hit-and-run fatal or injury collisions (2nd) and 380 speed-related fatal or injury collisions (6th) — each ranked against the 15 California cities in its size group (Group A), where 1 is the worst. Its weakest placing is for people killed or injured, the worst in its group. Claims for injuries your vehicles cause are what liability limits pay, so choose limits with a serious claim in mind rather than the smallest on offer. The nearest DMV office for registration is Long Beach.
Sources: California Office of Traffic Safety, Crash Rankings — Long Beach, 2023 · OTS Crash Rankings — how DVMT and the rankings are defined
Local data · Los Angeles County
Where work vehicles in Long Beach spend their day
A work vehicle spends its day where people walk and ride. These are the state’s counts for Long Beach, and how far local workers travel to the job.
- Pedestrians
Long Beach, 2023: 339 pedestrians were killed or injured.
Of them, 30 were under 15 and 43 were aged 65 or older.
2nd of 15 in OTS size group A for pedestrian casualties (1 = worst) — among the worst fifth.
- 30 minutes or more to work
46.7% of Long Beach’s 195,537 commuters.
- Bicyclists
Long Beach, 2023: 213 bicyclists were killed or injured.
Of them, 18 were under 15.
2nd of 15 in OTS size group A for bicyclist casualties (1 = worst) — among the worst fifth.
Sources
- California Office of Traffic Safety (OTS), 2023 — 339 and 213
- U.S. Census Bureau, ACS 5-year estimates, 2023 — 46.7% (table B08303)
Not insurance rates or quotes.
Closest DMV offices giving commercial driving tests
- Gardena Commercial Drive Test Center — 14825 S Avalon Blvd, Gardena 90248 · about 4 miles from the Long Beach city limits (straight line)
- Fullerton — 909 W Valencia Drive, Fullerton 92832 · about 8 miles from the Long Beach city limits (straight line)
Source: California DMV field office list, retrieved September 21, 2026.
What commercial auto insurance covers
Liability
Injuries and property damage you cause while working, often at higher limits than personal auto.
Physical damage
Comprehensive and collision: the vehicle after a crash, theft, fire or weather.
Hired & non-owned auto (HNOA)
Rented vehicles, and employees' own cars used for work.
Motor truck cargo
What you haul, if damaged, lost or stolen in transit.
Uninsured / underinsured motorist
An at-fault driver with no insurance, or too little.
Certificates of insurance (COIs)
Clients, contractors, cities and venues commonly ask to be named as additional insured.
Our statewide commercial auto guide explains each in depth, plus medical payments and rental & roadside cover.
Get a commercial auto quote today
Tell us what you drive and what you haul — we shop multiple California commercial carriers and get you covered, often same day.
Frequently asked questions
What does a business vehicle in Long Beach face on the road?
CHP's crash file logged 7,642 collisions in Long Beach in 2023 (every severity, freeway crashes included): 3,084 with someone killed or injured and 4,558 with no injury recorded. A personal policy that excludes business use can leave a routine claim uncovered.
Source: California Crash Reporting System (CCRS), CHP — California Open Data Portal (2023)
My van is in my name. Do I need commercial coverage in Long Beach?
It depends on what the van does, who drives it and who owns it, not on the registration name. Check your personal policy's business-use exclusions first.
- Whether your personal policy excludes business use
- The exclusions in your policy booklet.
- Cover for employees driving their own cars on company errands
- Ask about hired and non-owned auto by name.
Employees drive each other around in Long Beach. Whose insurance is that?
8.6% of Long Beach's 228,393 workers carpool and 68.3% drive alone, per the Census. On an errand in their own car, the employee's policy usually answers first, with the business exposed unless hired and non-owned auto coverage is in place.
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2023) — Long Beach city, California
Who pays if our work vehicle is hit in Long Beach and the other driver leaves?
In 2023, 496 fatal or injury collisions were hit-and-run in Long Beach (OTS rank: 2nd-worst of 15 similar-size cities), and 485 fatal or injury collisions happened between 9pm and 3am. Whether uninsured motorist coverage applies to a business vehicle is in the commercial policy; ask for it by name.
Source: California Office of Traffic Safety, OTS Crash Rankings — Long Beach, 2023 (derived from SWITRS)
Do long drives and bike traffic matter for a Long Beach work vehicle?
In 2023, 213 bicyclists were killed or injured in Long Beach (OTS rank: 2nd-worst of 15 similar-size cities). 46.7% of the city's commuters travel 30 minutes or more each way, per the Census. Tell the underwriter your real operating radius.
Sources: California Office of Traffic Safety, OTS Crash Rankings — Long Beach, 2023 (derived from SWITRS) · U.S. Census Bureau, American Community Survey 5-year estimates (2023) — Long Beach city, California
Commercial auto in other California cities
More commercial coverage
Ready to insure your work vehicles?
A licensed California agent will compare commercial carriers and get you a quote. Call or text now — proof of insurance often the same day.