Insurance built for auto dealers.
Garage liability, dealers open lot, garagekeepers, and the full dealer stack — structured around how your lot actually runs. New car franchises to independent used lots, powersports, RV, marine, and wholesale.
One agency. The whole lot covered.
Tell us your dealer type, your inventory, and where you operate. We'll build a program that protects your lot, your finance office, and your people.
- Inventory & lot physical damage
- Garage & premises liability
- F&I and cyber protection
A dealership isn't a normal business risk.
Every day, a dealership has customers on the lot, salespeople on test drives, technicians under the hood, and six or seven figures of inventory sitting outside exposed to weather and theft. A standard business owner's policy was never designed for that. Auto dealer insurance is a specialized program built around the way dealers actually operate.
At its core sits garage liability, which blends premises and auto liability for a business full of moving vehicles. Alongside it, dealers open lot protects your inventory's value, and garagekeepers covers the customer cars in your care. From there we layer in workers' comp, dealer plates, F&I E&O, cyber, property, and umbrella — a complete program from one agency.
Whether you run a single independent used-car lot or a multi-rooftop franchise group, we right-size the coverage to your operation and your state's licensing and floor-plan requirements.
The full dealer program, one place
Every coverage a franchise or independent dealer needs — click any to see what it covers, who needs it, and how it's priced.
Every kind of dealer
From a corner used-car lot to a full-line franchise group, we tailor the program to your operation.
New Car Franchises
Full garage programs for franchise rooftops — showroom, service, F&I, loaners, and high-value new inventory on the lot.
Used & Independent Lots
Right-sized coverage for independent and buy-here-pay-here dealers — open-lot physical damage, garage liability, and dealer plates.
Powersports, RV & Marine
Motorcycle, ATV, RV, and boat dealers with seasonal inventory swings, demo rides, and specialty units to insure.
Wholesale & Auction
Wholesalers, brokers, and auction dealers moving units in volume — transit, drive-away, and inventory float exposures.
What auto dealer insurance actually costs
Nobody else publishes real numbers — so we will. These are typical annual ranges for a core garage liability + open lot package. Your quote depends on inventory value, location, coverages, and loss history.
Independent / Used Lot
Smaller lot, modest inventory value, garage liability + open lot.
- Garage liability
- Dealers open lot
- Dealer plates
Full-Line Franchise
Higher inventory value, service dept., F&I, larger payroll and plates.
- Full garage program
- Garagekeepers
- Workers' comp & E&O
Powersports / Wholesale
Seasonal inventory, demo units, and transit/drive-away exposure.
- Open lot / inventory
- Garage liability
- Transit & plates
Ranges are illustrative, not quotes. See our complete cost & coverage guide for the full breakdown by coverage.
From quote to covered in three steps
Tell us about your lot
Share your dealer type, inventory, coverages of interest, and state through our quick multi-step form — or just call.
We build your program
A dealer specialist matches you to A-rated carriers and structures garage, open lot, and the rest to fit — no gaps, no overpaying.
Bind and get your certs
Review, bind, and receive the certificates your licensing board, floor-plan lender, and manufacturer require.
Specialists, not generalists.
Dealer coverage is all we do
We know garage liability symbols, open-lot reporting forms, and dealer-plate rules cold — because dealerships are our specialty, not a side line.
The whole program, one agency
Inventory, liability, F&I, workers' comp, cyber, property, and umbrella coordinated together — no gaps between policies, no double-paying for overlap.
A-rated carriers, real markets
We shop your risk to carriers that actually want dealer business, so you get competitive terms instead of a one-size quote.
Auto dealer insurance FAQs
Most dealers build their program around garage liability (the foundation), dealers open lot for inventory physical damage, and garagekeepers for customer vehicles in service. From there, add workers' comp, commercial auto and dealer plates, dealer E&O/F&I, cyber, property, and umbrella based on how you operate. We assemble the right combination for your dealer type.
It varies widely by dealer type, inventory value, location, and coverages, but a small independent used-car lot often starts in the low-to-mid four figures per year for a basic garage liability and open lot package, while a full-line franchise program runs well into five figures. The fastest way to a real number is a quick quote — call 844-967-5247.
Not exactly. Garage liability is the dealer-specific form that blends premises liability and auto liability for the vehicles you own and operate as a dealer, including test drives. Separate commercial auto is used for owned non-inventory vehicles like parts trucks and shuttles. We coordinate both so there's no gap.
Yes. We place coverage for new car franchises, independent and buy-here-pay-here used lots, powersports and motorcycle dealers, RV and marine dealers, and wholesale/auction dealers — right-sized to each operation.
Absolutely. Our new-dealer startup package delivers the garage liability and open lot coverage your state licensing board and floor-plan lender require, coordinated with your dealer surety bond, so you can open on schedule.
Often the same day. Share a few details about your dealership through our quote form or by phone, and a specialist will get to work building your program right away.
Get a dealer insurance quote today
Tell us about your dealership and we'll build a program that fits how you actually operate — often with same-day turnaround.