About $333 a month
Commercial auto
Insureon average for Arizona small-business customers, updated March 2026
Arizona · state requirements
Commercial auto insurance in Arizona
For Arizona businesses running cars, vans, pickups, trucks or passenger vehicles: the minimums by weight and use, what a lapse costs and what coverage typically runs.
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Get commercial auto quotes in Arizona
What similar businesses pay
- Commercial auto
- About $333 a month
- Commercial auto, per year
- About $3,991 a year
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Arizona costs
About $3,991 a year
Commercial auto, per year
Insureon average for Arizona small-business customers, updated March 2026
Insureon reports that its Arizona small-business customers pay an average of about $333 a month, or $3,991 a year, for commercial auto. Most of those customers have fewer than five employees and have been in business five years or less, so the figure mostly reflects cars, vans and light trucks. A single sedan used for sales calls will typically cost less, while a truck over 26,000 pounds that must carry a $750,000 combined single limit under ARS 28-4033 will usually cost much more. Your price depends on each vehicle’s weight and use, your drivers, where vehicles are garaged and the limits you choose.
What moves your price
- Declared gross weight: above 20,000 pounds the legal floor jumps to $300,000, and above 26,000 pounds to $750,000
- Whether you carry passengers for hire and how many seats each vehicle has
- Hazardous materials, which can raise the minimum to $1 million or $5 million
- Each driver’s record and experience
- Where vehicles are garaged and how far they travel
- The liability and uninsured motorist limits you choose or contracts require
- Claims history and any past gap in coverage
Arizona
What’s different in Arizona
25/50/15 is the floor for every vehicle
For policies issued or renewed since July 1, 2020, ARS 28-4009 requires $25,000 for one person’s injuries, $50,000 per accident and $15,000 for property damage. A crash involving a newer vehicle or several injured people can pass those limits quickly, and anything above them is your business’s to pay.
Over 20,000 pounds, private fleets need more too
ARS 28-4032 applies Arizona’s commercial financial responsibility rules to anyone running a vehicle over 20,000 pounds declared gross weight for a commercial enterprise, not just for-hire haulers. ARS 28-4033 then requires a $300,000 combined single limit up to 26,000 pounds and $750,000 above that.
Passenger vehicles carry uninsured motorist floors
Under ARS 28-4033, taxis, limousines, livery vehicles and buses need liability and uninsured motorist cover: $250,000 each for up to 8 seats including the driver, $750,000 plus $300,000 UM for 9 to 15 seats and $5 million plus $300,000 UM for 16 or more.
UM and UIM are offered in writing, then your choice
ARS 20-259.01 requires every insurer to offer uninsured and underinsured motorist cover on a state-approved form. The declarations page is the final record of what you bought or rejected, so a rejection made at signing carries forward until you change it.
Insurers report cancellations within 7 days
ARS 28-4148 requires insurers to report cancellations, nonrenewals and new policies to ADOT electronically within 7 days and to warn you that registration may be suspended. ADOT charges a $50 reinstatement fee if you cannot prove coverage was in force at the time.
An uninsured vehicle costs the driver’s license
Under ARS 28-4135, a first violation brings a civil penalty of at least $500 and a 3-month license suspension or restriction. A second within 36 months means at least $750 and a 6-month suspension of the license, registration and plates; a third, at least $1,000 and a year.
Coverage
Coverage Arizona businesses need
Auto liability
Pays for injuries and property damage your vehicles cause to others. Every vehicle needs at least 25/50/15; contracts and serious crashes often call for much more.
How commercial auto works →Combined single limit for heavier trucks
Trucks over 20,000 pounds declared gross weight used in a commercial enterprise need a $300,000 or $750,000 combined single limit under ARS 28-4033, depending on weight.
How commercial auto works →Uninsured and underinsured motorist
Pays your drivers’ injuries when the at-fault driver has no or too little insurance. Optional for most vehicles, but mandatory at $250,000 or $300,000 for passenger carriers.
How commercial auto works →Physical damage
Collision and comprehensive pay to repair or replace your own vehicles. Arizona law does not require them, but a lender or lessor may.
How commercial auto works →Hired and non-owned auto
Covers your business’s liability when employees drive their own cars or rented vehicles for work.
How commercial auto works →Motor truck cargo
ARS 28-4009 does not require auto liability to cover property you transport, so freight and customer goods need their own cargo policy.
Workers’ compensation
ARS 28-4009 also lets auto policies exclude injuries to your own employees on the job. Employee drivers hurt in a crash are generally a workers’ comp claim.
How workers’ compensation works →Umbrella or excess
Adds limits above your auto liability when a customer contract calls for more than your primary policy provides.
How umbrella / excess works →Rules
Arizona requirements
Arizona sets its rules in Title 28 of the Arizona Revised Statutes: one floor for every vehicle, then higher combined single limits based on weight, passengers and hazardous materials. Trucks that cross state lines also answer to federal FMCSA rules, and contracts often ask for more than either.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every motor vehicle operated on an Arizona highway | $25,000 per person, $50,000 per accident and $15,000 property damage, ARS 28-4009 and 28-4135. ADOT requires the insurer to be authorized in Arizona. |
| Medium trucks | Commercial-enterprise vehicles of 20,001 to 26,000 lb declared gross weight | $300,000 combined single limit, ARS 28-4032 and 28-4033. |
| Heavy trucks | Commercial-enterprise vehicles over 26,000 lb declared gross weight | $750,000 combined single limit for nonhazardous property, ARS 28-4033. |
| Hazardous materials | Vehicles carrying hazardous materials, substances or wastes | $1 million, or $5 million for explosives, poison gas, radioactive loads and bulk hazardous loads in tanks over 3,500 gallons, ARS 28-4033. ARS 28-4032 exempts incidental and small-quantity loads. |
| Passengers for hire | Buses, taxis, livery vehicles and limousines | $250,000 plus $250,000 UM up to 8 seats; $750,000 plus $300,000 UM for 9 to 15; $5 million plus $300,000 UM for 16 or more, ARS 28-4033. |
| Leased vehicles | Lessors and lessees of commercial vehicles | The lessor must cover the lessee or require the lessee to meet the limits; a lessee using the vehicle for a higher-tier purpose carries the higher limit, ARS 28-4033. |
| Intrastate USDOT number | Intrastate commercial motor vehicles, including those rated at 26,001 lb or more | USDOT number and vehicle markings under rule R17-5-203, enforced by the Department of Public Safety. The 26,001 lb line took effect August 3, 2018 under ARS 28-5201. |
| Proof in the vehicle | Every driver | Evidence of coverage must be in the vehicle and may be shown on a phone, ARS 28-4135. |
Compare commercial auto options in Arizona.
One application, quotes from several insurers, reviewed by a licensed agent. Start with your email and finish later if you need to.
Pay less
How to lower the cost
- Keep coverage continuous: insurers report a cancellation to ADOT within 7 days under ARS 28-4148, and a gap can bring suspension and a $50 reinstatement fee.
- Check each truck’s declared gross weight so it is rated in the right ARS 28-4033 tier, neither underinsured nor overpriced.
- Exclude a high-risk driver by name in writing if they will never drive; under ARS 28-4009 the exclusion stays in force at each renewal, but that driver then has no coverage.
- Pull motor vehicle records for every driver before hiring and every year after.
- Raise physical damage deductibles on older vehicles you could afford to repair.
- Compare several quotes before renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- Vehicle list with VINs, declared gross weights, seating capacity and garaging addresses
- Driver list with license numbers, dates of birth and years of experience
- USDOT number, if you have one
- What you haul or whom you carry, including any hazardous materials
- Whether vehicles stay in Arizona or cross state lines
- Current declarations page, including your UM and UIM selections
- Loss runs from your current and prior insurers
- The limits your customers’ contracts require
Common questions
Commercial auto insurance in Arizona: questions
Is commercial auto insurance required in Arizona?
Every vehicle on an Arizona highway must carry at least 25/50/15 liability under ARS 28-4135 and 28-4009. Insureon notes that vehicles used solely for work need a commercial auto policy, and heavier trucks and passenger vehicles face higher floors.
What insurance does a 26,000-pound box truck need in Arizona?
If it is used for a business and its declared gross weight is between 20,001 and 26,000 pounds, ARS 28-4033 requires a $300,000 combined single limit. Above 26,000 pounds the floor is $750,000.
Does Arizona require uninsured motorist coverage on business vehicles?
Not for most vehicles. Insurers must offer UM and UIM in writing under ARS 20-259.01, but you may reject it. Taxis, limousines, livery vehicles and buses must carry $250,000 or $300,000 of UM under ARS 28-4033.
Do intrastate trucks need a USDOT number in Arizona?
Intrastate commercial motor vehicles, including those rated at 26,001 pounds or more, need one under Arizona rule R17-5-203. The Arizona Trucking Association notes that a business running no vehicles that meet that definition does not.
Does a fleet policy pay the limit for each vehicle in one crash?
No. For a fleet of 7 or more vehicles, ARS 28-4009 caps what is payable for one accident at the policy’s stated limit, with no stacking across vehicles.
Can I show proof of insurance on my phone in Arizona?
Yes. ARS 28-4135 lets drivers display evidence of coverage on a wireless device without consenting to a search of the phone’s other contents.
What happens if my commercial auto policy lapses in Arizona?
Your insurer reports the cancellation to ADOT within 7 days and the registration may be suspended. To reinstate, you prove coverage was in force or pay a $50 fee and show current Arizona insurance.
Get covered.
Tell us about your business once. We compare options and a licensed agent follows up, usually the same day.
Sources (10)
- Arizona Legislature: ARS 28-4009, motor vehicle liability policy requirements
- Arizona Legislature: ARS 28-4032, persons subject to financial responsibility requirements
- Arizona Legislature: ARS 28-4033, financial responsibility requirements
- Arizona Legislature: ARS 28-4135, financial responsibility requirement and civil penalties
- Arizona Legislature: ARS 28-4148, notice of insurance cancellation or nonrenewal
- Arizona Legislature: ARS 20-259.01, uninsured and underinsured motorist coverage
- ADOT MVD: mandatory insurance FAQs (2023)
- Arizona DPS: Commercial Vehicle Enforcement, intrastate USDOT numbers
- Arizona Trucking Association: intrastate commercial motor vehicle FAQ (HB2455)
- Insureon: commercial auto insurance in Arizona (updated March 2026)
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.