Auto Service and Repair Insurance

Save up to 19% on auto repair business insurance.*

Choose your primary coverage to get started:

General Liability Insurance

General Liability

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Workers' Compensation Insurance

Workers' Compensation

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Commercial Property

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Commercial Auto Insurance

Commercial Auto

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More Insurance Coverage

Other Coverages

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Tune up your business with customized auto service insurance

NEXT’s auto service and repair insurance provides tailored coverage at an affordable price for car wash, repair shop or body shop businesses.

Whether you’re opening your first location or expanding your services, we’ll help you quickly get set up online so you don’t need to pump the brakes on your business.

We specialize in insurance for auto service and repair trades

Choose your line of work to find out more

Auto Body Shop, Auto Parts Store, Auto Repair Shop, Car Wash, Oil Change Station, Tire Shop
Dedicated small business insurance

Why do auto service and repair businesses need business insurance?

Auto service and repair business insurance gives you peace of mind while you’re working on cars. A lot can go wrong when you deal with large, expensive and complex machinery.

For example, a mechanic could accidentally damage a customer’s car or someone might file a lawsuit claiming you did shoddy work.

Having the right types of insurance for your shop or car wash means you won’t have to pay entirely out of pocket if an accident does happen.

Get business insurance coverage

How automotive repair liability insurance protects your business

Liability insurance can help cover costs if you accidentally damage someone’s property or — maybe even worse — someone accuses you of subpar work.

These coverage options can help you get coverage for your business:

General liability is often the first type of coverage bought by many business owners in the auto industry. You and your staff are constantly working with vehicles that don’t belong to you. It’s probably not hard to imagine that at some point you could cause or be blamed for damaging a customer’s property or an injury if someone slips and falls at your shop.

Garagekeepers liability is included in your general liability (Pro and Pro Plus) policy to cover damage to cars that you are servicing. If your mechanic drives a customer’s car into a service bay and hits a bollard, denting the side of the car, garagekeepers liability insurance would help to cover the repairs to the body of the car.

How much does insurance cost

How much does car repair and auto service business insurance cost?

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

  • The types of service you provide
  • Where your business is located
  • The amount of equipment in your garage or shop
  • Your shop certifications
  • If you bundle more than one type of coverage

Business insurance has never been easier

Customized auto repair business insurance to protect your business, your customers and their vehicles.
Business insurance in less than 10 minutes

Get covered in 10 minutes and save up to 19%

Easy monthly payments

Instant proof of insurance and easy monthly payments

Get business insurance online

Do it all 100% online or talk to a licensed U.S.-based advisor

Other important business insurance coverage for auto service and repairs

Liability insurance is a good place to start to make sure you’re covering the basics. You can also add other types of insurance — customized to suit your needs — to protect other parts of your business.
We typically recommend:
Professional Liability or Error and Omissions Insurance
Faulty Work coverage

Faulty work insurance helps to cover professional mistakes or work that is considered less than awesome. If a customer claims the transmission in their car doesn’t work how it used to after you service it, faulty work would help to defend you against the claim.

Hired non-owned auto insurance
Hired & Non-Owned Auto (HNOA)

Hired & non-owned auto coverage is required for longer test drives off your lot. It can also provide protection if an employee sometimes uses a personal vehicle for work. Add HNOA coverage to a general liability policy for coverage when you or your employees drive a customer’s vehicle.

Learn more about HNOA.
Commercial Property
Commercial Property insurance

Commercial property helps protect your business equipment, inventory, furniture and the brick-and-mortar structures you own. Property insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire. It can also help to replace inventory, such as if a fire breaks out in your shop.

Learn more about commercial property.

Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Frequently asked questions about auto service and repair insurance

Why should I buy auto service and repairs insurance online at NEXT?

NEXT is one of the only insurance companies to offer easy online quotes and purchases for auto repair shops, auto body shops and car washes. We are 100% dedicated to small businesses and helping new shop owners like you get started with the essentials for being your own boss.

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 and require help from our support team, please visit our online help center.

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* 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. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.