If you run a small business in Arizona, whether you’re a painter in Phoenix, a landscaper in Yuma, or a roofer near the border, you probably use a vehicle to get the job done. What many small business owners don’t realize is that regular car insurance may not be enough. You might need commercial auto insurance to be properly insured.
In this blog, we explain when commercial auto insurance is required in Arizona, what it covers, and why it's so important, especially for hardworking business owners who are just getting started.
What Is commercial auto insurance?
Commercial auto insurance is coverage for vehicles used for business. If you drive your truck or van to job sites, carry tools or materials, or have employees behind the wheel, then your personal auto policy may not extend coverage to you during a work-related accident.
Depending on the coverage you choose, this helps cover:
- Injuries or damage you cause to others while driving to your work site
- Damage to your work vehicle
- Medical expenses after a covered accident
- Legal costs if someone sues you
It’s not just for big companies. Many self-employed workers and small business owners in Arizona need commercial auto insurance to meet state insurance requirements.
Is commercial auto insurance required in Arizona?
Yes, if you use your vehicle for business, you may be legally required to carry commercial auto insurance in Arizona. The state has minimum insurance requirements for any vehicle on the road. If the vehicle is used for business purposes, it must be covered under a commercial auto policy and not a personal one.
Here are the minimum coverage limits required in Arizona:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage
These limits apply to both personal and commercial vehicles. However, if your vehicle is registered as a business vehicle or used to transport goods, tools, or people for work, you need commercial coverage to stay in compliance.
Who needs commercial auto insurance in Arizona?
You likely need commercial auto insurance if you:
- Travel to job sites (common for painters, roofers, electricians, or handymen)
- Haul tools, equipment, or materials in your vehicle
- Use a trailer or heavy-duty vehicle for work
- Employ others who drive for your business
- Deliver goods or provide on-site services
Even if your business is small or you’re the only worker, using your vehicle for work activities means a commercial policy is usually necessary.
What happens if you don’t have the right coverage?
If you're in an accident while using your vehicle for work, you could be left paying out of pocket for:
- Repairs
- Medical bills
- Legal fees
- Other people’s damages
You could also face fines, lose your license, or struggle to register your vehicle. In Arizona, operating a vehicle for business without proper coverage can lead to serious consequences.
Other coverage options to consider
Depending on your business, you might want to add other coverage to your commercial auto insurance policy, such as:
- Collision coverage (for damage to your vehicle in a covered accident where a deductible may apply)
- Comprehensive coverage (for theft, vandalism, or weather damage where a deductible may apply)
- Uninsured/underinsured motorist coverage
- Hired or non-owned auto coverage (for vehicles you rent or borrow for the operations of your business)
A Seguros Avanza agent can help you decide what you need based on how you use your vehicle.
How much does commercial auto insurance cost in Arizona?
Costs vary depending on:
- The type of business you have
- Your driving history
- The type and number of vehicles you use
- The number of drivers
- How far and how often you drive
We offer flexible options to fit different budgets, including monthly payment plans.
Why Seguros Avanza?
At Seguros Avanza, we know how important it is to protect your business while keeping costs low. We specialize in helping Hispanic business owners in Arizona—from Phoenix to Yuma—get the coverage they need without confusion. We offer:
- Friendly bilingual agents
- Fast quotes by phone or online
- Affordable options for small businesses
- Support with documents and renewals
We make insurance simple, so you can focus on your work—not the paperwork.
Ready for a free quote?
If you're using your vehicle for business, don’t wait until something goes wrong. Insure your business vehicle with the right commercial auto insurance in Arizona.
Contact Seguros Avanza today to get your free quote at 800-716-5071. We’re here to help your business move forward with confidence and security.
Disclaimer:
Seguros Avanza is the brand name for Infinity Insurance Agency, Inc. This material is for general informational purposes only. The content is provided on an “as is,” and “as available” basis without representation or warranty of any kind whatsoever. All statements are subject to the terms, exclusions and conditions of the applicable policy.
