TechInsurance vs 
The Hartford: How Do They Compare for Commercial Auto Insurance?
Both quote typical costs: TechInsurance reports a median of $245 a month, while The Hartford reports averages near $574 a month and sends small businesses to a local agency or Tivly.
TechInsurance reports a $245 monthly median and names hired/non-owned and garage-keepers gaps; The Hartford reports about $574 average and lists executive drive-other-car and rental options. 1,2
What Are the Key Differences Between TechInsurance and The Hartford Commercial Auto Insurance?
Vehicle Gaps and Median vs. Average Cost
TechInsurance reports median customer premium of $245 per month and flags personal, leased or rented work vehicles and customer vehicles in your care as coverage gaps. The Hartford lists drive-other-car for executives and rental coverage, with an average monthly cost around $574, and sends small businesses to an agent or Tivly. 1 2
Published Cost Figures
TechInsurance says its commercial auto customers pay a median of $245 per month. The Hartford reports about $574 a month ($6,884 a year) for its customers. Neither figure is a quote for your fleet; both say premium depends on vehicles, driving records and limits. 1 2
Role, Insurer and Access
The Hartford underwrites commercial auto and does not currently sell it online for small businesses, directing buyers to a local agency or Tivly. TechInsurance arranges commercial auto and does not name the issuing insurer on the reviewed page. The Hartford names industries such as consulting, retail, technology and restaurants; TechInsurance focuses on state requirements for business-registered vehicles, with New Hampshire as the stated exception to a mandate. 1 2
What Should You Confirm in TechInsurance and The Hartford Commercial Auto Insurance Quotes?
- Ask whether rented, employee-owned or customer vehicles need hired and non-owned auto or garage keepers in addition to commercial auto. 1
- Ask The Hartford if drive-other-car and rental reimbursement are on the quote. 2
- Compare liability limits and deductibles rather than the published medians and averages. 1 2
- Get the issuing insurer on a TechInsurance placement and confirm The Hartford is the paper on a Hartford quote. 1 2
TechInsurance vs The Hartford Commercial Auto Insurance Compared
TechInsurance vs The Hartford: Commercial Auto Insurance: documented features by provider
| Criteria | TechInsurance Commercial Auto Insurance | The Hartford Commercial Auto Insurance |
|---|---|---|
| Limits and Retentions | TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. 1Company-reported. Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. | The Hartford reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers; the page does not publish standard liability limits, which it says depend on business type, vehicle type, driving records, cargo and location. 2Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit. |
| Who It’s For | TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. 1Company-reported. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section. | The Hartford says coverage requirements vary by state, and names industries it targets: beauty shops, consulting, photography, retail, technology and restaurants; covered vehicle types include cars, commercial cargo vans, commercial trucks, pickup trucks, box trucks and service utility trucks. 2Company-reported. Commercial auto product page as read 2026-09-23. |
| Coverage Features | TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. 1Company-reported. Commercial auto product page; general policy description, not a specific policy form. TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). 1Company-reported. Commercial auto product page, What isn't covered section. | The Hartford lists common commercial auto coverage options: bodily injury liability, property damage liability, drive-other-car coverage for executives, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental car coverage. It excludes unrelated medical expenses, contents inside the vehicle, accidents in an employee's personal vehicle for personal reasons, and rental-vehicle repair costs while a company vehicle is being fixed. 2Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Role in This Line | TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. 1Company-reported. Commercial auto product page. | The Hartford's commercial auto insurance helps cover property damage and medical expenses when a business or its employees cause an accident using company vehicles. 2Company-reported. Commercial auto product page as read 2026-09-23. |
