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Auto Repair Shop Insurance

Save up to 19% on auto service insurance
Auto Service and Repair Insurance
Auto mechanic and auto repair shop insurance - NEXT

Auto repair shop insurance designed to keep your business on the road

NEXT’s auto mechanic insurance can help protect you from out-of-pocket costs related to accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include: 

  • General liability 
  • Garagekeepers liability
  • Faulty work 
  • Commercial property


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Save up to 10% with bundled car mechanic insurance

You can pay for your car mechanic insurance monthly or annually and you can cancel at any time.

We’ll help you get the repair shop insurance coverage you need

It’s all about managing your risk. See the different policies available for auto mechanics and repair shops.
General Liability

General Liability

Bought by most car repair shop owners
General liability is often the first type of coverage repair shop owners buy. You’ll have financial protection if someone other than an employee gets hurt or if you’re held responsible for damaging someone’s property. If a customer trips over your jack stand and dislocates their shoulder, your insurance could help pay for emergency treatment and medical costs. And if a customer turns into your lot too sharply and takes out your neighbor’s mailbox, general liability would help pay to fix the damage.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Learn more
Commercial Property

Commercial Property

For business owners with expensive equipment
Commercial property insurance helps to cover all the inventory, gear and equipment you own or rent to run your shop. If a pipe bursts in your shop and ruins your tools, property insurance can help with the cost of replacing them.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
Learn more
Garagekeepers Liability

Garagekeepers Liability

Included with general liability in Pro and Pro Plus packages
Garagekeepers can help to cover expenses if you damage a customer’s vehicle. If your head mechanic drives a customer’s car into a concrete post, denting the trunk, garagekeepers insurance would help to cover the repairs to the body of the car.
Garagekeepers Liability can help you pay for:
Dents and scratches
Fire or extreme weather
Faulty Work

Faulty Work

Coverage for professional mistakes
Faulty work insurance helps to cover financial losses or defense expenses if you are accused of a mistake with your work or negligence. If a customer claims the transmission in their car doesn’t work properly after you service it, faulty work coverage would help to cover any related costs.
Faulty Work can help you pay for:
Redoing a job that wasn’t up to par
Legal defense costs
Professional negligence (actual or alleged)
How much does insurance cost

How much does auto mechanic repair insurance cost?

You can save up to 19% when you buy auto mechanic shop insurance with NEXT. The exact amount you pay will depend on:

  • The types of repair services you offer
  • Where your business is located
  • The amount and value of equipment at your garage or shop
  • If you have any shop certifications 
  • If you bundle more than one type of coverage

A certified shop that bundles general liability with commercial property coverage can save up to 19%. Qualifying certifications are ASE, I-CAR (Gold class) and AAA-approved auto repair.

Learn more about auto repair shop insurance costs and coverage.

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Auto mechanic insurance requirements

Auto mechanics are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Get an auto mechanic business license in your state.  
  • Lease or purchase a bay or shop. Landlords and banks may require it, and it protects your inventory, equipment and even the building that you lease or own.
  • Protect your customers’ vehicles. Garagekeepers insurance helps to cover the repairs to the body of the car.
  • Defend your business. Cover yourself for professional errors (actual or alleged). 
  • Repair or replace property you own or rent. Protect your equipment, inventory and the building that you lease or own.
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Everything you want to know about Insurance

Frequently asked questions about business insurance

Here are some of the most common questions we get about auto mechanic insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect auto mechanic repair shop owners?

Our auto mechanic liability insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

Your technician hits the gas too hard and dents the gate to the business next door. General liability coverage gives you financial protection if you are held responsible for damaging property.

Customer injuries

A customer slips on your freshly-washed floor and injures their back. General liability can help with medical expenses if someone other than an employee gets hurt.

Damage to vehicles at your shop

A customer drops off a car for servicing and your mechanic accidentally drives it into a bollard. Garagekeepers coverage would cover the repairs to the body of the vehicle caused by the bollard.

Professional mistakes

A customer claims the brakes in their car don’t work properly after you installed them. Faulty work insurance would help to defend you against the claim.

Damage to your own property

All your hydraulic lifts are ruined after an electrical fire. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire or vandalism.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Certificate of Insurance

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Get covered in just a few clicks and have your COI in hand. Get Instant Quote