Car Repair Shop Insurance — Coverage, Cost & Requirements
Car repair shops — from general mechanics to transmission specialists, collision centers, and brake shops — need insurance tailored to the realities of vehicle service work. You're responsible for expensive customer vehicles, employing technicians in physically demanding roles, and running a location with high fire risk from solvents and fuel. Car repair shop insurance typically combines garage liability for vehicle-in-care coverage, workers' comp for on-the-job injuries, commercial property for your equipment and building, and commercial auto for any shop vehicles or loaner cars.
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What Coverage Does Car Repair Shop Insurance Include?
Most car repair shop businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Garage Liability
Covers auto repair shops for bodily injury and property damage from garage operations.
Garagekeepers
Covers customer vehicles in your care while in your shop.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Commercial Property
Commercial Property coverage tailored for car repair shop businesses.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
How Much Does Car Repair Shop Insurance Cost?
The cost of car repair shop insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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