Commercial Auto Insurance in Arizona

Arizona requirements to know

State financial-responsibility minimum

Arizona sets a standard minimum for liability (commonly cited as 25/50/15 — bodily injury per person / per accident / property damage). This is a floor; many businesses and contracts call for higher limits.

Heavier and for-hire vehicles

Trucks above certain weights and vehicles used for hire commonly face higher limits set by the state or the entity hiring you. A $500,000 or $1,000,000 combined single limit is a frequent contract requirement.

Interstate carriers (FMCSA)

If you cross state lines hauling freight or passengers for hire, federal motor-carrier minimums apply and are generally well above the state passenger-vehicle minimum.

Who needs it in Arizona

Construction and trades, landscaping, HVAC and plumbing, delivery and courier services, and field-service businesses across Phoenix, Tucson, and Mesa are common Arizona commercial-auto users.

Coverages commonly included

•Liability — generally intended to respond to bodily injury or property damage you cause with a covered vehicle.
•Physical damage (comprehensive & collision) — optional coverage for damage to your own vehicles.
•Hired & non-owned auto — for rented vehicles or employees driving their own cars for work.
•Medical payments / uninsured motorist — and, for haulers, motor-truck cargo where applicable.

Tell us your vehicles, drivers, and how the vehicles are used, and we’ll route you to a carrier that fits. Limits and eligibility are set by the carrier and vary by vehicle, use, and driving records — confirm your exact requirement before you rely on a minimum.

Coverage descriptions are general. State minimums are a floor, not a recommendation; required limits, eligibility, and pricing are determined by the carrier and vary by vehicle, use, driving records, and the contracts you work under. Verify current requirements with the state and a licensed insurance professional.