It's not quite like that. The three main commercial providers which have their own data are Google, TomTom and HERE(which Microsoft uses). TomTom and HERE would be more than happy to sell it to you for a fee - it's their main source of revenue.
The data TomTom and HERE have is focused on navigation use cases - it doesn't have so much 'visual' stuff as OSM but has has large quantities of information that is only relevant for car navigation, e.g. historical traffic patterns and lane assignments.
Huh, I thought I remembered something about Microsoft buying HERE. Glad to hear that's not the case. I did also completely forget about TomTom - last time I used their stuff was on a Palm Tungsten T3... Amazing that they are still around!
The data TomTom and HERE have is focused on navigation use cases - it doesn't have so much 'visual' stuff as OSM but has has large quantities of information that is only relevant for car navigation, e.g. historical traffic patterns and lane assignments.