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Arizona Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with Arizona commercial auto insurance
Many of Arizona's 706,000 small businesses need commercial auto insurance to safeguard against accidents that involve their business vehicles. Personal auto policies usually won't cover vehicles used for commercial purposes because they're typically exposed to more risk.
More than 1.2 million small business owners across the nation trust Progressive Commercial to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a single cleaning service van in Tucson or several landscaping trucks in Phoenix.
Trusted by over 1.2 million small businesses nationwide
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Industry Leader
#1 in America*
Trust your vehicles to the top commercial auto and truck insurer.
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Customers
1.2 million+
People nationwide count on us for their commercial auto needs.
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Experience
50+ years
Supporting small business owners for over half a century.
Commercial auto insurance in Arizona for a variety of business types
Business auto
Vehicles used for business purposes, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto policies typically don't cover work-related driving.
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Contractors
Contractors often use vehicles to transport tools, equipment, and supplies between job sites. These daily work activities usually call for commercial auto coverage rather than a personal policy.
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Food truck
Food trucks, restaurants, and ice cream vendors depend on commercial vehicles to deliver products and serve customers. Many also have expensive, permanently attached equipment that a commercial auto policy can help protect.
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For-hire livery
Most vehicles used to transport people for a fee need a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing businesses might also require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nation,Δ insuring everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services are accessible whether you're driving locally or outside of Arizona.
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Tow truck
We offer protection for wreckers, rollbacks, and roadside repair vehicles. You can also add specialty tow coverages like on-hook and garagekeepers legal liability to help when you're responsible for a customer's vehicle.
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Arizona commercial auto insurance cost
In 2025, the national average monthly cost for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ The cost of your Arizona commercial auto policy can vary based on the following factors. Discover ways to save on your commercial auto insurance.
Profession
Some industries have more risk than others. An HVAC technician who carries tools and equipment to various job sites every day can expect to pay more than a CPA who occasionally visits clients.
Vehicle
Your vehicle's size and use affect your rate. A carpet cleaning van with a large vacuum system will likely have a higher premium than a small cargo van with minimal equipment.
Driving history
Accidents and moving violations can cause your premium to go up. Insurers typically review the last three years of driving history for everyone listed on your policy.
Location
It's common to pay more for commercial auto insurance in Phoenix than in a smaller city like Flagstaff. That's because prices are usually higher in places with more claims or expensive settlements. Areas prone to weather-related events, such as wildfires and tornadoes, can also affect your rate.
Travel radius
Your regular driving distance can influence your commercial auto rate. For example, a vehicle with a local route within Scottsdale's city limits is considered lower risk than a vehicle with a regional route that covers the entire Basin and Range Province.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Arizona state minimum limits of 25/50/15 will pay less than a policyholder needing a combined single limit of $1 million.
Arizona commercial auto liability split limit explained
Arizona's state minimum liability limit — 25/50/15 — is called a split limit. It separates your insurer's maximum payouts into three groups:
- $25,000 for each person injured
- $50,000 for all people injured
- $15,000 for all property damaged
If you choose the state's minimum limits, your policy will pay up to these amounts if you're at fault for an accident. Learn more about liability coverage for your commercial vehicle in Arizona.
Arizona commercial auto insurance requirements
Arizona law requires commercial auto policies to have minimum liability limits of $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. Some policies will need to carry more coverage based on the types of vehicles they insure.
Vehicles with a U.S. Department of Transportation (USDOT) number will have separate coverage rules. For example, the Federal Motor Carrier Safety Administration (FMCSA) typically mandates that large vehicles traveling interstate, like semi trucks, carry a minimum combined single limit of $750,000.
It's important to select limits that are best for your business beyond what Arizona law requires. Consider the work you do, the types of vehicles you use, and how often you're on the road to determine the coverage limits that are right for you.
Arizona commercial auto resources:
- Arizona Auto Insurance Information (Arizona Department of Insurance)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in AZ
Businesses that rely on company vehicles should have commercial auto insurance to protect them. The following professions typically need a commercial auto policy:
- Food trucks
- Caterers
- Electrical contractors
- Painters
- Landscapers
- Rideshare
- Real estate agents
- Pizza delivery
- Bakeries
- Event planners
Browse more professions we insure.
Get Arizona commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* covering over 2.3 million commercial vehicles. Here are a few of the many reasons small business owners trust us:
Expert policy service by phone or online
Our customer service representatives are available to you 24 hours on weekdays and between 6:30 a.m. and 2 a.m. on weekends. Whether you want to adjust your coverages, request an insurance certificate, or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast.
Discounts†
Save 10% or more when you pay in full on commercial auto insurance and take advantage of our other discounts to get the best rate for your Arizona policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, and workers' compensation.
Commercial auto insurance anywhere in Arizona
We offer Arizona commercial auto insurance statewide, including these major cities:
- Phoenix
- Mesa
- Scottsdale
- Glendale
- Peoria
- Tucson
- Chandler
- Gilbert
- Tempe
- Surprise
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