--- title: "Commercial Auto Insurance in Arizona" description: "Arizona’s general 25/50/15 floor differs from transportation-carrier limits based on vehicle weight, passengers, and hazardous cargo." canonical: "https://spot.insure/coverage/commercial-auto/arizona" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-auto/arizona) # Commercial Auto Insurance in Arizona Arizona’s general motor-vehicle liability minimum is $25,000 per person, $50,000 per accident, and $15,000 for property damage. A business subject to the state’s transportation financial-responsibility article can face higher limits: nonhazardous property thresholds rise with vehicle weight, and specified passenger or hazardous-material operations have their own requirements.[^1][^3] **Coverage:** [Commercial auto](/coverage/commercial-auto) · [Arizona](/coverage/states/arizona) ## What Is Commercial Auto? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [Read the national Commercial auto guide](/coverage/commercial-auto). ## Arizona Requirements | Requirement | Details | | --- | --- | | General motor-vehicle liability minimum | $25,000 per person / $50,000 per accident / $15,000 property damage[^1] | | Covered nonhazardous property vehicle, 20,001–26,000 lb gross vehicle weight | $300,000 combined single limit[^3] | | Covered nonhazardous property vehicle, over 26,000 lb gross vehicle weight | $750,000 combined single limit[^3] | | Covered carrier moving specified hazardous materials | $1,000,000 or $5,000,000, depending on material and transport method[^3] | | Covered passenger vehicle with seating capacity of 16 or more | $5,000,000 liability and at least $300,000 uninsured-motorist coverage[^3] | ## What to Watch for in Arizona ### Check Whether Article 28-4033 Covers Your Operation Arizona applies its higher transportation limits to people subject to Article 2, whose scope is defined separately from the general 25/50/15 motor-vehicle floor. Ask the broker to identify the legal basis for your fleet’s limit instead of assuming every business vehicle uses either one schedule.[^1][^2][^3] ### Freight Limits Change At The 26,000-Pound Line For covered nonhazardous property transport, § 28-4033 sets $300,000 at 20,001–26,000 pounds gross vehicle weight and $750,000 above 26,000 pounds. Check each vehicle’s rated weight with any regular combination before selecting the limit.[^3] ### Hazardous-Cargo Limits Turn On Material And Handling Arizona requires $5 million for specified high-risk materials and transport methods, and $1 million for other listed hazardous materials under the statute. Give the broker the exact commodity, packaging, and vehicle details so the required category is identified correctly.[^3] ### Large Passenger Vehicles Have A Separate Limit A vehicle with seating capacity of 16 or more falls under a $5 million liability requirement and must carry at least $300,000 in uninsured-motorist coverage under § 28-4033. If passenger capacity is part of your operation, include it in the limit review.[^3] ## Who Regulates Insurance in Arizona **Arizona Department of Insurance and Financial Institutions.** Arizona DIFI regulates insurance companies and insurance professionals, including producers and surplus-lines brokers. Its license search covers both individual or business licensees and insurance companies, and its complaint page explains how to file with the Department.[^4][^5][^6] - [Regulator website](https://difi.az.gov/) - [License lookup](https://difi.az.gov/license-search) - [File a complaint](https://difi.az.gov/file-a-complaint) - Phone: (800) 544-2378 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium and taxable policy fees, less returns; stamping fee rate not verified When Arizona is the insured’s home state, the tax is 3% of gross premium and taxable policy fees, less returned premium; the statute excludes stamping fees from that tax base. For a multistate risk, Arizona’s share is allocated by exposure under the statute. Arizona's surplus-lines policy notice says these policies do not receive guaranty-fund protection. Current stamping-fee amount was not independently confirmed from readable current evidence and is omitted.[^7][^9][^11][^12] [The Surplus Line Association of Arizona](https://www.sla-az.org/) **Arizona has an exempt-commercial-purchaser search exception:** A surplus-lines broker generally must make diligent effort to place an Arizona risk in the admitted market. For an exempt commercial purchaser, federal law removes that search only after the broker discloses the admitted-market protection difference and the purchaser then asks in writing for nonadmitted coverage.[^8][^10] ## Providers With Documented State Licenses These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Arizona; [check the regulator’s license lookup](https://difi.az.gov/license-search) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^15] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^19] ## Questions to Ask Before You Buy in Arizona 1. Which section places our vehicles under Arizona’s general liability floor or the transportation-carrier schedule? 2. What gross vehicle weight should we use to place each truck in the correct nonhazardous-property tier? 3. Do the exact materials and tank or bulk capacity in our operation trigger a $1 million or $5 million hazardous-material limit? 4. Does any passenger vehicle have a seating capacity of 16 or more, requiring the higher liability limit and UM coverage? ## Commercial Auto in Arizona: FAQ ### What is Arizona’s minimum liability insurance for a commercial vehicle? The general motor-vehicle minimum is $25,000 per person, $50,000 per accident, and $15,000 for property damage. Some transportation carriers must meet higher limits under A.R.S. § 28-4033.[^1][^3] ### Does Arizona require higher insurance for heavier commercial trucks? Yes, for covered nonhazardous property transport: § 28-4033 sets $300,000 for vehicles weighing 20,001–26,000 pounds and $750,000 above 26,000 pounds.[^3] ### Does Arizona require extra commercial auto coverage for hazardous materials? Yes. Specified hazardous-material operations require $1 million or $5 million, depending on the cargo and how it is transported.[^3] ## Commercial Auto in Other States - [Alabama](/coverage/commercial-auto/alabama) - [Alaska](/coverage/commercial-auto/alaska) - [Arkansas](/coverage/commercial-auto/arkansas) - [California](/coverage/commercial-auto/california) - [Colorado](/coverage/commercial-auto/colorado) - [Connecticut](/coverage/commercial-auto/connecticut) - [Delaware](/coverage/commercial-auto/delaware) - [District of Columbia](/coverage/commercial-auto/district-of-columbia) - [Florida](/coverage/commercial-auto/florida) - [Georgia](/coverage/commercial-auto/georgia) - [Hawaii](/coverage/commercial-auto/hawaii) - [Idaho](/coverage/commercial-auto/idaho) - [Illinois](/coverage/commercial-auto/illinois) - [Indiana](/coverage/commercial-auto/indiana) - [Iowa](/coverage/commercial-auto/iowa) - [Kansas](/coverage/commercial-auto/kansas) - [Kentucky](/coverage/commercial-auto/kentucky) - [Louisiana](/coverage/commercial-auto/louisiana) - [Maine](/coverage/commercial-auto/maine) - [Maryland](/coverage/commercial-auto/maryland) - [Massachusetts](/coverage/commercial-auto/massachusetts) - [Michigan](/coverage/commercial-auto/michigan) - [Minnesota](/coverage/commercial-auto/minnesota) - [Mississippi](/coverage/commercial-auto/mississippi) - [Missouri](/coverage/commercial-auto/missouri) - [Montana](/coverage/commercial-auto/montana) - [Nebraska](/coverage/commercial-auto/nebraska) - [Nevada](/coverage/commercial-auto/nevada) - [New Hampshire](/coverage/commercial-auto/new-hampshire) - [New Jersey](/coverage/commercial-auto/new-jersey) - [New Mexico](/coverage/commercial-auto/new-mexico) - [New York](/coverage/commercial-auto/new-york) - [North Carolina](/coverage/commercial-auto/north-carolina) - [North Dakota](/coverage/commercial-auto/north-dakota) - [Ohio](/coverage/commercial-auto/ohio) - [Oklahoma](/coverage/commercial-auto/oklahoma) - [Oregon](/coverage/commercial-auto/oregon) - [Pennsylvania](/coverage/commercial-auto/pennsylvania) - [Rhode Island](/coverage/commercial-auto/rhode-island) - [South Carolina](/coverage/commercial-auto/south-carolina) - [South Dakota](/coverage/commercial-auto/south-dakota) - [Tennessee](/coverage/commercial-auto/tennessee) - [Texas](/coverage/commercial-auto/texas) - [Utah](/coverage/commercial-auto/utah) - [Vermont](/coverage/commercial-auto/vermont) - [Virginia](/coverage/commercial-auto/virginia) - [Washington](/coverage/commercial-auto/washington) - [West Virginia](/coverage/commercial-auto/west-virginia) - [Wisconsin](/coverage/commercial-auto/wisconsin) - [Wyoming](/coverage/commercial-auto/wyoming) [Other Coverage in Arizona](/coverage/states/arizona) ## Sources [^1]: [A.R.S. § 28-4009 — Motor vehicle liability policy requirements](https://www.azleg.gov/ars/28/04009.htm) — Arizona State Legislature; Subsection A(2)(b), limits for policies issued or renewed beginning July 1, 2020. Accessed 2026-09-28. [^2]: [A.R.S. § 28-4032 — Persons subject to financial responsibility requirements](https://www.azleg.gov/ars/28/04032.htm) — Arizona State Legislature; Article 2 coverage scope. Accessed 2026-09-28. [^3]: [A.R.S. § 28-4033 — Financial responsibility requirements](https://www.azleg.gov/ars/28/04033.htm) — Arizona State Legislature; Subsection A, property, passenger, and hazardous-material limits. Accessed 2026-09-28. [^4]: [Arizona Department of Insurance and Financial Institutions](https://difi.az.gov/) — Arizona Department of Insurance and Financial Institutions; Official agency homepage. Accessed 2026-09-28. [^5]: [License Search](https://difi.az.gov/license-search) — Arizona Department of Insurance and Financial Institutions; Search for individual or business licensees and insurance companies; insurer surplus-lines eligibility links. Accessed 2026-09-28. [^6]: [File a Complaint](https://difi.az.gov/file-a-complaint) — Arizona Department of Insurance and Financial Institutions; Department complaint information and filing destinations. Accessed 2026-09-28. [^7]: [A.R.S. § 20-416: Tax on surplus lines](https://www.azleg.gov/ars/20/00416.htm) — Arizona State Legislature; Subsection C sets the surplus-lines tax at 3% of gross premiums and requires the broker to collect it from the insured. Accessed 2026-09-28. [^8]: [License Search](https://difi.az.gov/license-search) — Arizona Department of Insurance and Financial Institutions; Department guidance on surplus-lines eligibility and diligent-effort requirement under A.R.S. § 20-407. Accessed 2026-09-28. [^9]: [Arizona House Bill 2111, Chapter 38](https://www.azleg.gov/legtext/52leg/2r/laws/0038.htm) — Arizona Legislature; Arizona House Bill 2111 (amending § 20-408) and current A.R.S. § 20-410 policy notice; see statutory notice. Accessed 2026-09-28. [^10]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28. [^11]: [A.R.S. § 20-410: Validity, disclosure, policy fees](https://www.azleg.gov/ars/20/00410.htm) — Arizona State Legislature; Subsection B requires surplus-lines notices to state insureds/claimants are ineligible for Arizona guaranty-fund protection for both foreign and domestic surplus-lines insurers; subsection C says taxes under § 20-416 apply to broker service fees. Accessed 2026-09-28. [^12]: [15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8202+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28. [^13]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^14]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^15]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^16]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^17]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^18]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^19]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^20]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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