Commercial Truck Insurance
Arizona
Protecting freight from the Desert Highways to the Border Routes
Whether the run moves freight along I-10 through Phoenix, hauls produce north from Tucson, or connects shipments across I-17 and I-40, GIA Group, LLC designs trucking policies that meet all FMCSA requirements and Arizona Department of Transportation (ADOT) insurance regulations.
Coverage
Who needs it
Serving Arizona truckers of all types
Owner-operators – Independent drivers running freight through Arizona’s major routes, including I-10, I-17, and I-40.
Fleet owners – Small and mid-size carriers operating regional and long-haul lanes across the Southwest.
Local & regional haulers – Drivers serving Phoenix, Tucson, Mesa, and nearby logistics hubs.
Cross-border carriers – Operators handling freight between Arizona and Mexico through Nogales and other ports of entry.
Agricultural & produce haulers – Carriers transporting fresh produce, feed, and farm supplies statewide.
Construction & heavy equipment fleets – Trucks supporting mining, infrastructure, and development projects.
Refrigerated & dry van operators – Carriers hauling temperature-controlled and general commodities.
Our advantages
Requirements
Arizona truck insurance requirements
Liability Insurance – For interstate freight carriers, minimum coverage is generally $750,000 combined single limit (CSL) under Federal Motor Carrier Safety Administration (FMCSA) rules.
State Minimums (Intrastate) – Arizona Revised Statutes § 28-4009 sets a base requirement of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage for many intrastate business vehicles.
State & Federal Filings – Carriers must maintain proof of insurance filings for both FMCSA and Arizona Department of Transportation (ADOT). These include the FMCSA’s BMC-91X or equivalent filing and any state-specified endorsements or registrations.
The information above is provided for general educational purposes and reflects minimum insurance requirements as of 2025. Actual coverage needs may vary by operation, cargo type, or recent regulatory changes. Carriers should verify current limits and filing obligations with the FMCSA, their state Department of Transportation, or a licensed insurance professional.
Cost explanation
What does truck insurance cost in Arizona?
Arizona truck insurance premiums vary by driving history, operating radius, cargo type, and truck model. On average, owner-operators with a single truck pay around $10,000 to $16,000 annually for liability, cargo, and physical damage combined.
Lower rates are possible for carriers with strong safety records, local/regional routes, and lower-risk cargo. Higher costs apply for long-haul operations, haz-mat loads, and new authorities.
Facts
Service area
Serving Arizona truckers across the state
We insure Arizona commercial rigs statewide, including these freight hubs: Phoenix, Tucson, Mesa, Chandler, Glendale, Yuma — plus every port-of-entry, distribution yard, and I-10 / I-17 / I-40 / I-19 corridor in between.
