🚗 Auto Dealers Insurance

Insurance built for
California
auto dealers.

From dealer bonds to lot coverage to garage liability — auto dealers face a unique set of insurance requirements. We specialize in dealer packages that keep you DMV-compliant and fully protected.

✓ Dealer Bond (DMV)✓ Garage Liability✓ Lot Coverage✓ Garagekeepers
Carriers We Work With
ProgressiveZurichCNAMarkelTravelers+ 15 more
✦ Free & No Obligation

Get Your Auto Dealers Quote

Fast quotes · Licensed agents · Real savings

What coverage are you looking for?
Tell us about your business
Where should we send your quotes?
🔒Your info is secure & never sold. A licensed agent will contact you within 1 business hour.
✅

You're all set, there!

A licensed CoverGuard agent will reach out within 1 business hour with your auto dealers insurance quotes.

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Why CoverGuard
Why auto dealers choose CoverGuard
We write dealer-specific packages — not generic business policies that miss your exposures.
🚗

One hailstorm. One test drive accident. One break-in. Are you covered?

Auto dealers have unique risks most business policies don't address — vehicles on lot, customer cars in your care, and test drive liability. We build dealer packages that cover all of it.

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$50K
CA DMV dealer bond requirement (franchise dealers)
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Same-Day Response

Every quote request gets a personal response within 1 business hour from a licensed California agent.

DMV
Licensed auto dealer bond issuer for California
🏆

20+ Carriers

We compare 20+ top carriers to find you the right coverage at the best rate — not what pays us the most commission.

Coverage Options
What you need.
What we provide.
Coverage built specifically for auto dealers — not a generic business policy that misses your exposures.
📋
Dealer Bond (DMV)
Required by California DMV for dealer license — new, used, wholesale.
  • New/Used dealer license bond
  • $10K–$50K bond amounts
  • Franchise dealer bonds
  • Wholesale dealer bonds
DMV Required
🏢
Garage Liability
Covers bodily injury and property damage on your dealer premises.
  • Premises liability
  • Test drive accidents
  • Customer injuries on lot
  • Operations coverage
Core
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Dealers Open Lot (DOL)
Covers your vehicle inventory on the lot from fire, theft, and hail.
  • Vehicle inventory coverage
  • Hail & weather damage
  • Theft & vandalism
  • Flood coverage options
Core
🔑
Garagekeepers Liability
Covers customer vehicles left in your care for service or storage.
  • Customers' vehicles in care
  • Service department exposure
  • Lot storage liability
  • Direct primary option
Recommended
👷
Workers Compensation
Required by CA law for your sales staff and service technicians.
  • Sales & service staff
  • Lot attendants
  • Medical & lost wages
  • CA compliance
Required
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Commercial Umbrella
Extra liability above your garage policy limits.
  • $1M–$5M additional
  • Test drive accident buffer
  • High-value inventory exposure
  • Affordable upgrade
Strongly Advised
Common Questions
Everything you need
to know.
What is a dealer bond and how much do I need?+
California DMV requires auto dealers to carry a surety bond. Used car dealers need $10,000, new car franchise dealers need $50,000. We issue both quickly.
What's the difference between garage liability and garagekeepers?+
Garage liability covers injury and damage that happens on your premises. Garagekeepers covers damage to customer vehicles while they're in your care — like during service or storage.
Does dealers open lot cover all weather?+
Standard DOL covers fire, theft, vandalism, and hail. Flood coverage is often an add-on. We make sure your inventory is fully protected.
Do I need insurance for test drives?+
Yes — test drive accidents are covered under garage liability. Make sure your policy specifically includes auto dealer operations and test drive exposure.

Get your dealer insurance package today.

DMV-compliant. Fast certificates. Dealer-specialized.

Get a Free Quote → 📞 (562) 758-1200
🚗 Get My Auto Dealers Quote