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Business Auto Insurance

Protect your business vehicles and drivers. RMO commercial auto insurance provides coverage for company cars, trucks, vans, and fleets with competitive premiums.

Commercial Vehicles Fleet Coverage Competitive Premiums
Coverage

What's included in your coverage.

Comprehensive protection designed for your specific needs.

Fleet Coverage

Insurance for company cars, trucks, vans, and specialty vehicles.

Comprehensive Options

Liability, collision, comprehensive, and uninsured motorist coverage.

Driver Coverage

Coverage for employees driving company vehicles or personal vehicles for business.

Fleet Discounts

Multi-vehicle discounts and fleet pricing for businesses with multiple vehicles.

Why RMO

Why members trust us.

Protection built on the strength of your membership.

Commercial Grade

Policies designed for business use, not consumer auto policies stretched to fit.

Volume Savings

Fleet discounts can significantly reduce your per-vehicle insurance costs.

One Policy

Manage all your business vehicles under one comprehensive policy.

FAQ

Frequently asked questions

State Auto Insurance Requirements

Each U.S. state sets its own minimum personal auto insurance coverage requirements for bodily injury and property damage liability.

Read the full answer in the Help Center →

What Does the $0 Auto Insurance Offer Include?

The promotion covers state minimum required liability insurance for your vehicle. A $1,000 deductible (or state minimum allowed) applies. The first 3 months are free; after that, standard member rates apply.

How Do I File an Auto Insurance Claim?

If you have been in an accident or your vehicle has been damaged, you can file an auto insurance claim quickly through MyRMO. Steps to File a Claim: Ensure everyone is safe.

Read the full answer in the Help Center →

How Do I Get an Auto Insurance Quote?

Getting an auto insurance quote from RMO is fast and can be done online through MyRMO or by scheduling an appointment with an Expert.

Read the full answer in the Help Center →

How Is Operations Protection Different from General Liability?

General liability and operations protection are both core business coverages, but they protect against different things.

Read the full answer in the Help Center →

What Auto Insurance Plans Does RMO Offer?

RMO Insurance offers four tiers of auto insurance to match your coverage needs and budget. MyAuto Basic — Meets state minimum liability requirements.

Read the full answer in the Help Center →

What Is the $0 Down Auto Insurance Program?

RMO Insurance offers a $0 down auto insurance program that allows qualifying members to start coverage without a large upfront payment.

Read the full answer in the Help Center →

Support

How can we help?

Have questions? We've got you covered.

Insurance Disclosure. Insurance products are offered through RMO Insurance and are subject to state availability, underwriting, and applicable regulations. Coverage, limits, deductibles, exclusions, available endorsements, and pricing vary by state and individual quote. This page is for informational comparison only and does not constitute an offer of insurance, a binding quote, or a savings guarantee. Premiums are accurate as of 2026-05-10 where shown and are subject to change.
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