For the past two years I have had Commercial Auto Insurance on both of my trucks. One truck I almost always drive, and the other truck an employee always drives. I was looking around and wondered what the difference was between commercial auto and just regular auto. I did a quote for Geico indicating it would be used for business and listed an employee as an additional driver. The quote came to $1,500 for the two trucks. I currently pay $1,500 per truck with my commercial auto. Do I need commercial auto or can I just use a regular policy as long as it is listed as being used for business?