Affordable Commercial Auto Insurance Arizona
Protect Your Business Vehicles and Employees in Arizona
As a business owner in Arizona, your vehicles are essential to your daily operations-whether you’re making deliveries, transporting equipment, or meeting clients. Protecting your business vehicles and the employees who drive them isn’t just smart; it’s required by law. Commercial auto insurance shields your business from costly accidents, property damage, and liability claims, ensuring you stay on the road and focused on growth
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Why Small Businesses in Arizona Need Commercial Auto Insurance
Operating a business without the right insurance coverage can leave you exposed to devastating financial losses. Arizona law requires commercial auto insurance for business-owned vehicles, but more importantly, it protects your company from costly accidents, property damage, and liability claims. Whether you have a single service van or a fleet of trucks, commercial auto insurance ensures that one unexpected incident doesn’t jeopardize your hard-earned success.
Coverage Options for Business Auto Insurance in Arizona
At Blake Insurance Group, we offer a wide range of coverage options tailored to meet the needs of Arizona businesses, including:
Liability Coverage: Covers bodily injury and property damage if your driver is at fault.
Comprehensive Coverage: Protects against theft, vandalism, and natural disasters.
Collision Coverage: Pays for damage to your vehicle after a crash, regardless of fault.
Medical Payments: Covers medical expenses for drivers and passengers after an accident.
Uninsured/Underinsured Motorist Coverage: Protects you if the at-fault driver lacks sufficient insurance.
Hired and Non-Owned Auto Insurance: Covers vehicles your business rents or employees’ personal vehicles used for work.
Our customized policies ensure you’re only paying for the protection you actually need.
Who Needs Commercial Vehicle Insurance in Arizona?
If your business owns, leases, or regularly uses vehicles for work-related purposes, you likely need commercial auto insurance. This includes:
Sole proprietors, LLCs, and corporations
Businesses transporting goods or equipment
Companies providing transportation services
Service-based businesses (contractors, electricians, plumbers)
Rideshare and delivery drivers using business-owned vehicles
If you’re unsure whether you need coverage, our experienced agents can guide you through your specific requirements.
Industries We Insure: Contractors, Delivery, Trucking, and More
We proudly serve a wide range of industries throughout Arizona, including:
Construction and contracting companies
Food delivery services
Local trucking and freight businesses
Landscaping and lawn care services
Courier and logistics companies
Nonprofit organizations
Healthcare providers and mobile medical services
No matter your industry, we’ll create a policy designed around your business operations and unique vehicle needs.
Fleet Insurance Solutions for Small and Mid-Sized Businesses in Arizona
Managing a fleet can be complex — but insuring it doesn’t have to be. Whether you operate five or fifty vehicles, Blake Insurance Group offers fleet insurance solutions to streamline your coverage. We’ll help you find affordable plans that:
Consolidate policies for all vehicles
Reduce administrative hassle
Offer flexible driver coverage
Provide discounts for safe driving records and risk management programs
Protect your entire fleet under one simple, comprehensive policy.
Why Choose Blake Insurance Group for Your Commercial Auto Insurance Needs
At Blake Insurance Group, we specialize in helping Arizona businesses find the right commercial auto insurance at the best price. Here’s why local business owners trust us:
Independent Insurance Agency: We work with multiple top-rated carriers to find you competitive rates.
Local Expertise: We understand the unique needs of Arizona businesses, from Phoenix to Tucson and beyond.
Personalized Service: You’ll work directly with a knowledgeable agent who cares about your success.
Fast, Easy Quotes: We make getting covered simple, so you can get back to business quickly.
Your business deserves a partner who puts your protection first.
Get a Fast, Free Quote for Commercial Auto Insurance in Arizona
Protect your business on the road today. Contact Blake Insurance Group for a fast, free quote on affordable commercial auto insurance in Arizona. Whether you’re a startup or an established company, we’ll help you find the right coverage at the right price.
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Our Service Areas for Business Auto Insurance Near You
We proudly serve businesses throughout Arizona, including:
Phoenix
Tucson
Scottsdale
Mesa
Chandler
Gilbert
Glendale
Tempe
Peoria
And surrounding areas across the state
Wherever your business takes you, we’re here to keep you protected.
FAQs: Affordable Commercial Auto Insurance Arizona
What is commercial auto insurance and why do I need it in Arizona?
Commercial auto insurance covers vehicles used for business purposes, protecting against costs from accidents, property damage, and liability claims. Arizona law requires businesses that use vehicles for work to carry at least minimum liability coverage.
What are the minimum commercial auto insurance requirements in Arizona?
Arizona mandates minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage per accident (often referred to as 25/50/15).
Who needs commercial auto insurance in Arizona?
Any business that owns, leases, or uses vehicles for work—such as contractors, delivery services, food trucks, and transportation companies—must have commercial auto insurance. This includes both company-owned vehicles and personal vehicles used for business tasks.
Does my personal auto insurance cover business use?
No. Personal auto insurance typically does not cover accidents or damages that occur while using your vehicle for business purposes, such as deliveries or transporting equipment. A separate commercial policy is required for these activities.
What types of coverage are available with commercial auto insurance?
Common coverage options include:
- Liability (bodily injury and property damage)
- Collision
- Comprehensive
- Medical payments
- Uninsured/underinsured motorist
- Hired and non-owned auto coverage
How much does commercial auto insurance cost in Arizona?
Costs vary based on factors like vehicle type, business use, driving records, and coverage needs. On average, policies range from $800 to $2,000 per vehicle per year, or about $150–$205 per month. Many small businesses pay less than $100 per month.
Can I get discounts or save on commercial auto insurance?
Yes. Shopping around, bundling policies, maintaining clean driving records, and selecting appropriate coverage limits can help lower your premiums.
What happens if I don’t have commercial auto insurance?
Operating business vehicles without required insurance in Arizona can result in severe penalties, including fines, license and registration suspension, and personal liability for damages after an accident.
Are there higher coverage requirements for certain vehicles?
Yes. Vehicles like semi-trucks, tractor-trailers, and those with Arizona Department of Transportation serial numbers may require higher liability limits depending on their use.
How do I get a quote for commercial auto insurance in Arizona?
You can contact an independent insurance agent or apply online to compare quotes from different carriers. Agents can help tailor coverage to your business needs and find the most competitive rates.
Is commercial auto insurance tax-deductible?
Yes. Premiums paid for commercial vehicle insurance are considered a legitimate business expense and can be deducted from your company’s taxable income in Arizona.
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed

Blake Nwosu
Owner & Principal Agent
Expertise: All personal and commercial line insurance, including auto, home, business, health, and life insurance.
License: 16117464