Best Auto Insurance for Nonprofit Organizations in 2024 (Find the Top 10 Companies Here!)
Nationwide, The Hartford, and Travelers have the best auto insurance for nonprofit organizations. Nationwide is the best overall with rates starting from $82/mo. In most states, charities and non-profit organizations are required by law to carry commercial auto insurance on any vehicles owned by the organization.
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Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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3,019 reviewsCompany Facts
Full Coverage for Nonprofit Organizations
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviews
765 reviewsCompany Facts
Full Coverage for Nonprofit Organizations
A.M. Best Rating
Complaint Level
Pros & Cons
765 reviews
1,731 reviewsCompany Facts
Full Coverage for Nonprofit Organizations
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviewsYou will get the best auto insurance for nonprofit organizations from Nationwide, The Hartford, and Travelers. Nationwide is our top recommendation because of its numerous discounts.
Charities need auto insurance because they often transport people to essential places like doctor’s appointments or school. Whether using company-owned or personal vehicles, it’s crucial to ensure drivers have auto insurance coverage.
Our Top 10 Company Picks: Best Auto Insurance for Nonprofit Organizations
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A+ Usage Discount Nationwide
#2 20% A+ Deductible Reduction The Hartford
#3 10% A++ Accident Forgiveness Travelers
#4 12% A+ Online Convenience Progressive
#5 17% B Many Discounts State Farm
#6 25% A++ Comprehensive Coverage Chubb
#7 15% A+ Add-on Coverages Allstate
#8 20% A+ Customer Service Amica Mutual
#9 12% A Customizable Polices Liberty Mutual
#10 10% A+ Roadside Assistance Cincinnati
Not only do you want to protect your non-profit organization in the event of an accident, but you also want to protect the people you work so hard to help. Save by comparing rates, and find cheap auto insurance for charities.
Enter your ZIP code above to compare auto insurance quotes for charities.
- Nationwide has the best auto insurance for nonprofit organizations
- Charities often transport children, the elderly, and the medically vulnerable
- Most states mandate commercial auto insurance for charity and non-profit vehicles
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#1 – Nationwide: Top Pick Overall
Pros
- Wide Variety of Coverage Options: Nationwide offers a wide range of coverage options for nonprofit organizations which we discuss in more detail in our Nationwide auto insurance review.
- Usage Based Insurance: Nationwide offers usage-based insurance, which can help nonprofits save money by paying for only the miles they actually drive.
- Strong Financial Stability: With an A+ rating from AM Best, Nationwide is considered to be financially stable and reliable.
Cons
- Potentially Higher Premiums: Due to its wide range of coverage options and strong financial stability, Nationwide’s premiums may be higher compared to other auto insurance companies.
- Limited Availability: Nationwide may not be available in all states, limiting its accessibility for nonprofits operating in those areas.
#2 – The Hartford: Best for Deductible Reduction
Pros
- Specialized Coverage for Nonprofits: The Hartford offers specialized coverage options specifically designed for nonprofit organizations, providing tailored protection for their unique needs.
- Strong Customer Service Ratings: The Hartford consistently receives high ratings for its customer service, making it a reliable choice for nonprofits seeking responsive and helpful support.
- Risk Management Services: The Hartford offers risk management services to help clients identify potential risks and prevent losses. See our The Hartford auto insurance review for more information.
Cons
- Accident Forgiveness not Available: The Hartford does not offer accident forgiveness as an option.
- Limited Online Resources : Some customers have reported difficulty finding information and resources on The Hartford’s website.
#3 – Travelers: Best for Accident Forgiveness
Pros
- Specialized Nonprofit Insurance Expertise: Travelers understands the insurance needs of nonprofits, offering tailored coverage options and policies designed for this sector. Learn more by reading our review of Travelers.
- Comprehensive Coverage Options: The company’s Wrap+® policy suite offers extensive coverage to protect against risks such as management liability, cybercrime, and financial exposures.
- Local Underwriting and Claim Services: Travelers, through its local services, gains a better understanding of the specific risks faced by nonprofit organizations.
Cons
- Location Affects Discounts: Travelers’ discounts and coverage may vary depending on your location.
- Rideshare Coverage Limited: Nonprofits operating in states other than Colorado and Illinois may not have access to Travelers’ specialized rideshare coverage options.
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#4 – Progressive: Best for Online Convenience
Pros
- Wide Selection of Coverage: Progressive offers a wide range of coverage options for commercial auto insurance. Our complete Progressive review goes over this in more detail.
- Name Your Price Tool: Progressive’s “Name Your Price” tool allows customers to input their budget and receive a tailored policy that fits within their price range.
- 24/7 Claims Assistance: With 24/7 claims assistance, Progressive ensures that nonprofits can get the support they need at any time in case of an accident or incident.
Cons
- Snapshot Program Can Be Costly: Progressive’s Snapshot program offers discounts for safe driving, but it could increase premiums for those who don’t meet the criteria.
- Mixed Customer Service Ratings: Some customers have had issues with claim handling process.
#5 – State Farm: Best for Many Discounts
Pros
- Personalized Service: State Farm has a large network of agents who can provide personalized service and assistance to nonprofits. Wondering about their level of customer service? Find out in our State Farm Company Review
- Coverage Options: State Farm offers a variety of coverage options that can be tailored to fit the specific needs of nonprofit organizations.
- Discounts For Young Drivers: State Farm offers discounts to young drivers and students who maintain good grades, which can be beneficial for nonprofits with employees or volunteers in these categories.
Cons
- Mixed Reviews: Similar to Progressive, State Farm has received mixed reviews for its customer service and claim handling.
- Higher Premiums For At-Fault Accidents: State Farm’s premiums may increase significantly for drivers who have been at fault in accidents.
#6 – Chubb: Best for Comprehensive Coverage
Pros
- Global Reach: With a presence in over 50 countries, Chubb provides consistent and reliable coverage for nonprofits operating internationally.
- Expert Risk Management: Chubb integrates risk management services to help organizations identify and mitigate potential exposures before they result in losses.
- Fewer Complaints: Chubb has fewer complaints to state regulators compared to other insurance companies. Learn more in our Chubb review.
Cons
- Higher Rates: Chubb’s comprehensive coverage options and premium services often come at a higher cost compared to other insurers.
- Complex Policy Terms: Some customers may find Chubb’s policy terms and conditions to be complex and difficult to understand without professional assistance.
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#7 – Allstate: Best for Add-on Coverages
Pros
- Plug-In Device: Allstate offers a plug-in device called Drivewise that can track and reward safe driving habits, potentially lowering premiums for nonprofits.
- Multiple Discount Opportunities: Allstate offers multiple discount opportunities, including discounts for bundling policies and having a new or renovated building.
- Redeemable Points: Nonprofits insured with Allstate can earn points that can be redeemed. Find more information about Allstate’s rates in our review of Allstate insurance.
Cons
- Expensive for High Mileage Drivers: Allstate’s premiums may be higher for nonprofits with a high number of vehicles or drivers who regularly travel long distances.
- Rated D+ for Collision Repair: Allstate has been rated D+ for its collision repair satisfaction.
#8 – Amica: Best for Customer Service
Pros
- Highly-Rated Customer Service: Check out our Amica auto insurance review to learn more about the company’s customer service and claims ratings.
- Online Quotes: Nonprofits can easily obtain a quote and manage their policy online with Amica’s website.
- Bundling Discounts: Nonprofits can potentially save money on premiums by bundling their insurance policies with Amica.
Cons
- Can’t Make Changes on Mobile App: While Amica Mutual has a mobile app for easy policy management, some changes may still need to be made by calling an agent.
- Limited Availability: Amica Mutual is not available in all states.
#9 – Liberty Mutual: Best for Customizable Polices
Pros
- Nationwide Availability: Liberty Mutual is available in all 50 states, making it a convenient option for nonprofits with multiple locations.
- Variety of Coverage Options: Nonprofits can choose from a variety of coverage options, including general liability, property insurance, and professional liability. You can learn more about Liberty Mutual’s insurance options in our complete guide: Liberty Mutual Auto Insurance Review.
- Risk Management Resources: Liberty Mutual offers resources to help nonprofits manage and reduce their risks, potentially leading to lower premiums.
Cons
- Higher Rates for Small Organizations: Smaller nonprofits may find that Liberty Mutual’s premiums are higher compared to other insurance companies.
- Low Customer Satisfaction: Liberty Mutual has lower customer satisfaction ratings compared to other insurance companies.
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#10 – Cincinnati: Best for Roadside Assistance
Pros
- Umbrella Coverage: Cincinnati offers umbrella coverage, providing additional protection for nonprofits in case of a large liability claim.
- Flexible Coverage Options: Nonprofits can tailor their coverage to fit their specific needs, making it a customizable and cost-effective option.
- Extensive Discounts: Cincinnati offers a variety of discounts, including ones for nonprofits with good loss history and those who have taken risk management courses.
Cons
- Limited Availability: Cincinnati is not available in all states.
- Potentially Higher Rates: Depending on the location and size of the nonprofit, rates may be higher compared to other insurance providers.
Auto Insurance Is Mandatory for Nonprofits
Auto insurance is not just a good idea for nonprofits, it’s a legal requirement. Most states have minimum auto insurance requirements to drive legally. This mandate is in place to protect nonprofit organizations, including charities and other not-for-profit entities, from potential liabilities and to ensure their vehicles are operated safely and within the law.
Finding the right charity car insurance is crucial to meeting your organization's needs.Schimri Yoyo Licensed Agent & Financial Advisor
Whether transporting goods, volunteers, or clients, having the appropriate charity vehicle insurance ensures peace of mind and financial protection in case of accidents or other unexpected events.
Nonprofit organizations often have tight budgets, so securing affordable nonprofit auto insurance is a top priority.
Thankfully, the nonprofit car insurance companies above understand the unique requirements and constraints of nonprofits. These companies offer customized nonprofit car insurance policies that provide solid coverage while keeping costs manageable.
Working with insurers that specialize in not-for-profit car insurance is essential. These companies tend to offer flexible terms and discounts tailored to charitable organizations. By choosing the right nonprofit car insurance, nonprofits can comply with legal requirements while protecting their vehicles and the people who rely on them.
Reasons Your Non-Profit Needs Commercial Auto Insurance
First, and most importantly, if your non-profit owns a vehicle almost every state in the country will require you to legally carry commercial auto insurance on it. The only two exceptions being Virginia and New Hampshire. Auto insurance laws vary by state, but most require liability coverage.
However, even in those two states, the non-profit would still be liable for any damages or injuries caused by their employees or volunteers in their vehicle.
You don’t want to be on the hook for potentially costly medical and repair bills. Commercial auto insurance helps protect you and your employees.
Secondly, commercial auto insurance for non-profits can help pay for legal expenses in the event of a lawsuit. You may be wondering, who would sue a charity?
The fact of the matter is it happens all of the time, and without commercial auto insurance for non-profit organizations, you could have to foot a costly legal bill in the event of an at-fault accident that causes injuries or damages.
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Types of Coverage for Nonprofits
When seeking nonprofit auto insurance, it’s important to understand the different types of coverage available:
- Liability Insurance: Covers damages and injuries caused to others in an accident.
- Collision Insurance: Covers damage to the nonprofit’s vehicle in the event of an accident.
- Comprehensive Insurance: Covers non-collision-related damages such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects against accidents involving drivers without adequate insurance.
These coverage options ensure nonprofits have comprehensive protection for their vehicles and operations.
The Cost of Commercial Auto Insurance
Non-profit organizations and charities often operate on razor-thin margins. You may be thinking that commercial auto insurance is too costly for your organization, but in reality, average commercial auto insurance costs are pretty affordable.
Auto Insurance for Nonprofit Organizations: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $78 | $205 |
| Amica Mutual | $79 | $225 |
| Chubb | $73 | $195 |
| Cincinnati | $88 | $245 |
| Liberty Mutual | $77 | $235 |
| Nationwide | $82 | $137 |
| Progressive | $84 | $168 |
| State Farm | $76 | $175 |
| The Hartford | $65 | $142 |
| Travelers | $72 | $156 |
As you can see in the table above, average auto insurance costs for a car range from $65 to $88 a month.
Exact auto insurance figures will vary based on the make, model, and year of the vehicle you want to insure, but commercial auto insurance can be very affordable.
Ways to Save Money on Commercial Auto Insurance for Charities
Charity organizations looking for auto insurance may be wondering if there are ways to save money on their commercial auto insurance. Most auto insurance companies offer a number of different auto insurance discounts.
Here are a few that you may want to inquire about when shopping around for auto insurance.
- Experience Discounts: You could qualify for an auto insurance discount if you have been operating your non-profit organization for three years or more
- Loyalty Discounts: If you have been using the same insurer for at least a year, you could receive a loyal customer discount
- Multi-Policy Discount: If you hold multiple policies with the same insurance company, or are looking to insure a fleet of vehicles you will be in a good position to ask for a discount
- Paid in Full: Pay-in-full auto insurance discounts will often save you a good deal of money when compared with paying monthly
These are just a few of the potential ways charities can save on auto insurance costs. The best way to ensure that you are getting the best auto insurance rates for charities is to shop around.
Enter your ZIP code below to compare auto insurance rates for charities in your area, and find cheap auto insurance quotes for charities.
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Frequently Asked Questions
Do charities need auto insurance for their vehicles?
All cars need a required amount of auto insurance coverage, and charities are no exception. Like any other organization or individual, charities must have auto insurance to protect their vehicles, drivers, passengers, and liabilities while operating on the road. Auto insurance coverage ensures that the charity is financially protected in the event of an accident or damage to their vehicles.
What types of auto insurance coverage do charities need?
Charities typically need a commercial auto insurance policy to cover their vehicles. Commercial auto insurance provides coverage for vehicles used for business or organizational purposes. It includes liability coverage, which protects against claims made by third parties, as well as physical damage coverage to protect the charity’s vehicles.
Can charities use personal auto insurance for their vehicles?
Generally, personal auto insurance policies do not cover vehicles used for business or organizational purposes, including charity work. Personal auto insurance policies have limitations on using the vehicle for commercial purposes. It’s crucial for charities to obtain commercial auto insurance specifically tailored for their activities to ensure proper coverage.
Are there specific insurance requirements for charities using vehicles?
The specific insurance requirements for charities using vehicles can vary depending on the jurisdiction and the nature of the charitable activities. However, most regions require charities to carry minimum liability insurance coverage. Read more: Best Commercial General Liability Insurance
Can volunteers driving charity vehicles be covered under the charity’s auto insurance policy?
Yes, volunteers driving charity vehicles can typically be covered under the charity’s auto insurance policy. However, it’s important for the charity to inform their insurance provider about the use of volunteers and ensure that the policy includes coverage for volunteer drivers. Each insurance provider may have specific requirements or endorsements regarding volunteer drivers, so it’s crucial to discuss this with the insurance provider.
Are there any specific considerations for insuring donated vehicles for charities?
Insuring donated vehicles for charities may require some specific considerations. It’s important for the charity to transfer ownership of the vehicle to their organization and obtain the necessary documentation. The charity should inform their insurance provider about the donated vehicle to ensure it is properly covered under the commercial auto insurance policy. The value and condition of the donated vehicle may also affect the insurance coverage and premiums.
Can charities obtain discounts on auto insurance?
Yes, some insurance companies offer discounts specifically for charities and nonprofit organizations. These discounts may vary, but they can help reduce the insurance premiums for the charity’s vehicles. It’s advisable for charities to inquire with insurance providers about available discounts for charitable organizations and explore potential ways to lower their auto insurance rates.
How can charities find the best auto insurance rates for their vehicles?
To find the best auto insurance rates for their vehicles, charities should consider the following steps:
- Shop Around: Obtain nonprofit insurance quotes from multiple providers that offer commercial auto insurance for charities.
- Evaluate Coverage Needs: Assess the specific insurance requirements based on the charity’s activities, the number of vehicles, and the level of coverage needed.
- Compare Policies: Compare the coverage options, deductibles, limits, and exclusions provided by different insurance companies.
- Consider the Insurer’s Reputation: Research the insurance provider’s reputation for customer service and claims handling.
Charities should also consult with an insurance agent or broker experienced in insuring charitable organizations to ensure the best rates and appropriate coverage for the charity’s needs.
What is NPO coverage?
NPO coverage, or Nonprofit Organization insurance, protects charities and other nonprofit entities from potential risks and liabilities. According to the Nonprofit Risk Management Center, NPO insurance typically includes several key elements, such as general liability, property insurance, and directors and officers (D&O) liability insurance.
These coverages safeguard the organization against claims related to accidents, injuries, property damage, and allegations of mismanagement or improper conduct by the board members. Having comprehensive NPO coverage is crucial as it ensures that the organization can continue its mission without the threat of financial instability due to unforeseen events.
What are the best auto insurance companies for nonprofit organizations?
Nationwide, The Hartford, and Travelers have the best auto insurance for nonprofit organizations.
Are there specific insurance providers for nonprofit vehicles?
No, there are no specific auto insurance providers for nonprofit vehicles. However, there are some companies that have specific offers for nonprofits that can help reduce expenses. Some insurance companies may waive standard fees for extended payments when working with nonprofits. Additionally, a few nonprofit-specific insurance companies exist, often operating as mutual companies that return a portion of profits to policyholders. Examples include CURE, Nonprofits Insurance Alliance, and Liberty Mutual Group, among others.
What does commercial auto insurance for nonprofits cover?
Commercial auto insurance for nonprofits generally covers liabilities, physical damage, medical payments, uninsured motorists, and sometimes additional elements like hired/non-owned vehicles.
Can a nonprofit organization insure multiple vehicles under one policy?
Yes, nonprofits can often insure multiple vehicles under a single fleet policy, which may be more cost-effective and easier to manage. Read more: Best Auto Insurance Companies for Multiple Vehicles
How do I find affordable auto insurance for my nonprofit?
To find affordable auto insurance for nonprofits, compare quotes from various providers, consider bundling policies, and inquire about any available discounts for nonprofits.
What is the cheapest auto insurance option for nonprofits?
The Hartford, Travelers, and Chubb offer the most affordable auto insurance for nonprofits. The Hartford’s rate starts at $65 monthly and offers discounts. Customers can save up to 5% on their insurance rates with The Hartford’s auto insurance discounts.
If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
