Commercial Auto Insurance in Arizona

If you use a vehicle for business in Arizona, commercial auto insurance from GEICO can help protect you and your business on the road. Whether you're driving across Phoenix for deliveries, hauling tools through Tucson, or running mobile services in Mesa, GEICO offers flexible commercial auto insurance policies, competitive rates, and top-rated customer service to keep your business moving.

What is Commercial Auto Insurance in Arizona?

Commercial auto insurance in Arizona provides coverage for vehicles used for business purposes, which typically isn’t included in a standard personal auto policy. If you drive to job sites, transport equipment, or make deliveries in a work vehicle, commercial coverage helps protect you, your employees, and your business from liability claims and more, depending on your chosen policy.

Although commercial auto insurance is most likely required if you use a vehicle for work-related purposes, we suggest checking with your insurer regarding what types of tasks may be allowable under personal auto policies since this varies by carrier.

Who Needs Commercial Auto Insurance in Arizona?

If you operate a business in Arizona and use a vehicle for work, commercial auto insurance may be a smart investment. Here are some of the most common types of businesses that benefit from commercial auto coverage:

  • Electricians, plumbers, and HVAC professionals who transport tools and parts to job sites
  • Carpenters, painters, and other contractors using work vans or trucks for daily operations
  • Landscapers and plow services hauling equipment and supplies across town
  • Caterers and food vendors delivering meals or operating mobile kitchens
  • Long-haul trucking companies moving goods across state lines
  • Real estate and sales professionals who spend significant time on the road meeting clients or visiting properties

Minimum Arizona Commercial Auto Insurance Requirements

Like most states, Arizona requires businesses using vehicles for work purposes to carry a minimum amount of liability coverage. This helps pay for damages and injuries you or your employees cause to others in a covered accident.

Coverage Type Minimum Requirement in Arizona
Bodily Injury Liability $25,000 per person / $50,000 per accident
Property Damage Liability $15,000 per accident
Personal Injury Protection (PIP) No
Uninsured Motorist (UM) No
Underinsured Motorist (UIM) No
Other Mandated Coverages No

Optional Commercial Auto Coverages & Add-Ons in Arizona

State-mandated commercial auto insurance coverages can be a great place to start, but they don’t always offer enough protection. Many Arizona business owners choose to add optional coverages like the following to fill in the gaps:

FMCSA and USDOT Compliance for Commercial Vehicles in Arizona

In Arizona, companies that transport goods or operate vehicles over 10,001 pounds are typically required to register for a U.S. Department of Transportation (USDOT) number and follow Federal Motor Carrier Safety Administration (FMCSA) guidelines. This includes keeping accurate driving records, maintaining vehicle safety standards, and ensuring drivers meet qualification requirements. Even if your business operates only within Arizona, you may still need a USDOT number depending on your vehicle’s size and use.

Types of Vehicles Covered in Arizona

GEICO offers commercial auto insurance in Arizona for many types of vehicles, including:

  • Business Vehicles: Company cars, SUVs, and pickups used for business errands or deliveries.
  • Contractor Vehicles: Work vans and trucks for transporting tools and equipment.
  • Delivery & Service Vehicles: Vans or trucks for deliveries, repairs, or client visits.
  • Food Trucks & Restaurant Vehicles: Food trucks, catering vans, and vehicles used for food delivery are protected against physical damage and damage to permanently attached equipment. However, food spoilage, foodborne illness, equipment breakdowns, and allergic reactions are not covered. Food-related illnesses fall under General Liability, as the customer is considered “injured” by the business. General Liability is also preferred over BOP for these businesses—GL follows the truck, while BOP is designed for companies with fixed physical locations.
  • Heavy Trucks: Includes tractor-trailers, dump trucks, box trucks, flatbeds, and cargo & freight trucks.
  • Owner-Operator Trucks: Independently operated trucks or vans, including those leased to a company.
  • Non-Trucking Liability: Coverage for trucks when not hauling cargo or under dispatch.
  • Specialty Vehicles: Refrigerated trucks, buses, or other unique vehicles.

Factors Affecting the Cost of Arizona Commercial Auto Insurance

The cost of commercial auto insurance in Arizona depends on many factors, including the type of business you run, the number and types of vehicles you insure, how far and how often those vehicles are driven, and where your business is located. Your drivers’ records and experience also play a role, as do your chosen coverage limits and deductibles. The size of a settlement usually doesn’t change your costs, but if you were at fault in an accident, that can make your rates go up.

GEICO offers commercial auto insurance payment plans to help Arizona businesses get the protection they need without breaking the bank.

Why Choose GEICO for Arizona Commercial Auto Insurance?

With over 70 years of experience, GEICO is a name Arizona businesses can trust for reliable commercial auto insurance. We understand that every business is different, which is why we offer flexible policy options tailored to your industry, vehicle use, and budget. Whether you’re driving a single work truck in Tempe or operating several vehicles throughout Flagstaff, our coverage is built to protect what keeps your business running.

GEICO also makes the claims process fast and hassle-free, so you can get back to work with minimal disruption. Our team is known for outstanding customer service and competitive pricing, helping you get the protection you need without overpaying. From the first quote to ongoing support, we’re here to keep your business moving forward.

How to Get an Arizona Commercial Auto Insurance Quote from GEICO

Ready to protect your business vehicles in the Grand Canyon State? Get a fast, free Arizona commercial auto insurance quote from GEICO today, or contact us for personalized guidance you can count on.

Arizona Commercial Auto Insurance FAQs

  • Can I add employees as drivers on my commercial auto insurance policy?

    Yes, any employee who drives your business vehicles must be listed as a driver on your commercial auto policy. Be sure to provide accurate information so every driver is adequately covered.

  • Are personal vehicles used for business covered under commercial auto insurance?

    Personal vehicles aren’t automatically covered under a commercial auto policy. To make sure they’re protected while being used for business, they need to be specifically listed on the commercial policy. If your employees use their own cars for work, you may want to consider additional coverage.

  • Does commercial auto insurance cover vehicles outside of Arizona if I travel for business?

    Yes, GEICO’s commercial auto insurance generally provides coverage when you drive across state lines for business. Just let us know where your vehicles operate so we can make sure your policy meets your needs.

  • Does my policy cover equipment or inventory stored in my business vehicles?

    Commercial auto insurance covers damage to the vehicle itself, but not typically the tools, equipment, or inventory inside. For those items, consider adding a Business Owner’s Policy (BOP) with personal property coverage.