Which of the following could be considered a potential customer for auto insurance?

The option identifying anyone who owns or leases a vehicle as a potential customer for auto insurance is accurate because the primary purpose of auto insurance is to provide financial protection for vehicles against damages and liabilities. Individuals who own or lease a vehicle are at risk for various incidents, such as accidents, theft, and vandalism, which is why they seek coverage.

Owning or leasing a vehicle inherently creates a need for insurance, as most states require drivers to have a minimum amount of coverage. Furthermore, individuals in these categories often consider insurance not just a legal requirement, but also a way to protect their investment and manage financial risks associated with ownership or leasing.

The context of the other choices clarifies why they do not align as potential customers for auto insurance. Individuals without vehicles and those who exclusively use public transportation would not have a need for auto insurance since they do not own or operate vehicles covered by such policies. Similarly, while commercial drivers are an important segment, the definition of potential customers for auto insurance extends beyond just this group to anyone who uses or has financial accountability for a vehicle, including personal car owners and leaseholders.