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Arizona Commercial Truck Insurance

by Fred Podris. Updated on Aug 27, 2020

Are you searching for an Arizona Commercial Truck Insurance Quote? You have come to the right place.

3 Arizona Commercial Truck Insurance Quotes

Fill out one simple form and get 3 competitive quotes from top Arizona agents. Get started now.

Compare Arizona Truck Insurance Quotes

To get the best price on your semi truck insurance you need to get multiple quotes. Let us help by bringing you three Arizona Truck Insurance Agents that will compete for your business.

Fill out one short online form and you’ll get three competitive quotes from three top agents in AZ. Easy!

AZ Trucking Insurance Quotes

How Much Does Truck Insurance Cost In Arizona?

The average cost for commercial truck insurance in AZ is $12,418.

Most premiums range from $10,087 to $13,977.

These cost estimates are based on truckers with one truck operations who need insurance for liability, cargo and physical damage. There are several variables that drive the cost such as: what you are hauling, your driving history, and how long you have been in business.

2 Real Examples Of Truck Insurance Costs In AZ

1 Truck Based in Hesperia

ExperienceNew Venture
RadiusInterstate, Unlimited Miles
CargoMotor Vehicles
OperationFor Hire
Premium$12,717/yr

1 Truck Based in Avondale

ExperienceOver 3 Years
RadiusInterstate, Below 500 Miles
CargoGeneral Freight, Drive Away, Produce, Meat, Refrigerated Food, Paper Products
OperationFor Hire
Premium$13,371/yr

Maybe the biggest factor for what you will pay is the insurance company that you choose. For truck insurance, it’s common for prices to vary by thousands of dollars for the same trucker! Sometimes the difference can even be over $10,000 for the same operation.

You can’t control how long you’ve been in business, but you can control what insurance company you choose.

So it really pays to shop around. Our service makes it easy to get quotes from different companies, so you can zero in on the best coverage and cost combination for your trucking business. Compare quotes and lower your insurance costs here.

3 Truck Insurance Agents in Arizona

You need agents that specialize in truck insurance to get the right coverage at the best rate.

We’ve done the hard work for you and located three of the best truck insurance agents in AZ. The agents, like alpha-rams, will lock horns in their battle to write your policy, but only one will emerge the winner.  With three agents quoting your policy you will have much broader access to the whole market of truck insurance companies.

Shopping for truck insurance has never been this easy or efficient. Don’t waste your time hunting down three agents. Let them come to you. Let’s get started!

Commercial Truck Insurance Companies in Arizona

Finding the best trucking insurance company in AZ for your business can save you thousands. Some of the companies with the best prices can be difficult to find though.

The companies below write 80% of the truck insurance polices in AZ.

Top 10 Truck Insurance Companies in AZ

  • Berkshire
  • Canal
  • Daily Underwriters Of America
  • Eastern Atlantic
  • Great West
  • IAT Insurance Group
  • National Indemnity
  • Northland
  • Progressive
  • Qualitas

Analysis performed by CTIHQ in 2020 using data from fmcsa.dot.gov. The AZ truck insurance carriers listed above are based on their market share for 1-truck, interstate operations.

There are also over a dozen truck insurance carriers in AZ that have the remaining 20% marketshare.

You do have choices when it comes to insuring your truck and we can help you. It’s just a matter of smart comparison shopping to get the best combination of prices and coverage.

Compare quotes from different companies here.

Trucking Ins. Coverages

Arizona Commercial Truck Insurance

Arizona and the FMCSA have specific insurance requirements for semis. Some coverages are mandatory, like primary liability. Others, such as physical damage truck insurance and bobtail coverage, are just smart to have.

No matter what type of coverage your operation needs, you’ll get quotes from three truck insurance brokers. Click on a coverage below to learn more about it, then fill out our short form to get your quotes.

  • Primary Liability
  • General Liability
  • Physical Damage
  • Motor Truck Cargo
  • Bobtail Insurance
  • Non Trucking Liability Insurance
  • Trailer Interchange
  • Uninsured Motorist
  • Workers Compensation
  • Trucking Umbrella Policy

Arizona Truck Insurance Requirements

Arizona state law requires local truckers and new ventures to have a certain amount of liability insurance. How much you need depends on the type of freight you haul and where you haul it. If you don’t cross state lines and your truck is over 18,000 GVW, you must get an intrastate only USDOT Number and keep a minimum amount of insurance:

$300,000Liability Insurance (Household Goods)
$750,000Liability Insurance (General Freight)
$1,000,000Liability Insurance (Oil Transport)
$5,000,000Liability Insurance (Hazmat)

The insurance requirements for truck drivers who do cross state lines are a little more complicated. In addition to the above, you must comply with all the semi truck insurance requirements laid out by the federal government. Typical federal liability limits are $750,000 or $1,000,000.

Both Arizona and the USDOT require certain filings be submitted by your insurance agent. Your insurance agent or insurance company should take care of these filings for you. These forms show the government that all your DOT truck insurance requirements are fulfilled. They must be submitted before you can receive your authority. Some common forms include:

  • The BMC-91
  • Form MCS-90
  • Form E

Tailored Insurance for Owner Operators in Arizona

Whatever type of operation you have, we have you covered. Our agents can find cheap truck insurance for all of the following operation types:

  • Intermodal Trucking
  • Refrigerated Trucking
  • Flatbed Trucking
  • Log Trucking
  • Livestock Hauling
  • New Venture
  • Hazmat Hauling
  • Hot Shot Trucking
  • Less Than Truckload
  • Auto Hauling

Handy Arizona Trucking Resources

Arizona State Flag

AZDOT Arizona Department of Transportation

AZDMV Arizona Department of Motor Vehicles

ATA  Arizona Trucking Association

Arizona Department of Insurance

The Copper State

Also known as the Copper State, Arizona is home to the Grand Canyon. Our goal is to make sure you are not paying an extra Grand to keep your truck insured. Even though Arizona was the last contiguous state to be added to the Union, truckers in AZ don’t have to be last in insurance savings.

We work hard to make sure your shopping  is easy. So if you have been decimated by an outdated and expensive policy, it’s time to rise from the ashes like a Phoenix and move on to a new gloriously less-expensive policy.

Get 3 Competitive quotes in all Arizona cities

No matter what city you live, our network of Arizona insurance agents are ready to help. We cover all cities including…

  • Phoenix
  • Tucson
  • Mesa
  • Chandler
  • Glendale
  • Scottsdale
  • Gilbert
  • Tempe
  • Peoria
  • Surprise
  • Yuma
  • Avondale
  • Casas Adobes
  • Flagstaff
  • Goodyear
  • Lake Havasu
  • Buckeye
  • Catalina
  • Casa Grande
  • Sierre Vista
  • Maricopa
  • Oro Valley
  • Prescott
  • Bullhead
  • Prescott Valley
  • Sun City
  • Apache Junction
  • Marana
  • El Mirage
  • Kingman

We can also provide you with multiple agents in these adjacent states: CA, NV, UT, and NM 

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Disclaimer: Commercial Truck Quotes LLC is a nationally licensed insurance agency and has created the content of this website with the aim to provide you the most up to date and accurate information possible. This information, however, does not come with any warranty, and should not be received as personal financial advice. Insurance terminology varies from state to state. Your coverages and how they are governed are decided by the language in your insurance policy.
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