How much does commercial truck insurance cost in Arizona?

Costs can vary widely based on your truck, cargo, driving history, and operation. As a general example, a tractor trailer in Arizona hauling general freight with an experienced driver and a clean record might pay between $9,000 and $13,500 per year for a full package that includes liability, physical damage, and motor truck cargo. New ventures, higher risk cargo, larger fleets, or drivers with tickets and claims will typically pay more. The only way to know your actual rate is to get a customized quote that factors in your specific operation. Our NITIC team can gather a few details and shop the best options for you.

What types of commercial trucks do you insure in Arizona?

We insure a wide range of commercial trucks and trucking operations throughout Arizona. Common vehicle types include tractor trailers, semi trucks, hotshot rigs, box trucks, straight trucks, flatbeds, dry vans, reefers, dump trucks, tow trucks, rollbacks, auto haulers, and other specialty trucks. We work with owner operators, new authorities, and small fleets on both local and long haul routes. If your vehicle is used for business, there is a very good chance we can help insure it.

What coverages do Arizona truckers usually need?

Most Arizona truckers start with primary liability insurance, which is required by state and federal law, and then add other protections based on their operation. Common coverages include physical damage for your truck and trailer, motor truck cargo for the freight you haul, general liability, non trucking liability, trailer interchange, non owned trailer coverage, on hook towing for tow trucks, hazmat coverage when required, and refrigeration breakdown for reefer units. NITIC reviews how and where you operate, then recommends a package that protects you against the most important risks without paying for coverage you do not need.

Do you insure new trucking authorities and new ventures in Arizona?

Yes. NITIC works with many new ventures and first time trucking authorities in Arizona. New operators often worry that they will be turned away or forced into very high rates. We help you understand what insurers look for, gather the right details, and build a realistic coverage package around your budget and goals. Our team also helps make sure you have the filings and documentation you need so you can start hauling as soon as possible.

Can you file my MCS-90, BOC-3, and other trucking insurance filings for Arizona?

Yes. As a trucking focused insurer, we handle the insurance related filings most Arizona carriers need. This often includes the MCS 90 endorsement, BOC 3 process agent filing, and other state or federal proof of coverage as required. When you bind coverage with NITIC, we coordinate these filings for you so regulators, brokers, and shippers can verify your insurance. This helps you get on the road and start booking loads faster.

Do you offer same day certificates of insurance for Arizona truckers?

Yes. Many freight brokers and shippers will not release a load until they receive a certificate of insurance confirming your coverage and limits. Our team understands that time is money in trucking, so we work hard to issue certificates quickly, often the same day. You or your broker can request a certificate and our staff will send it directly so you can keep your truck moving without unnecessary delays.

Can I get hotshot truck insurance in Arizona with NITIC?

Yes. We provide insurance for Arizona hotshot operators, including those running pickup and trailer combinations, goosenecks, and other lighter duty rigs. Hotshot operations often have unique needs, such as higher liability limits, specific cargo coverage, or proof of insurance for certain shippers. We look at your routes, cargo, and truck setup, then tailor a policy that meets requirements and protects your business on every run.

Do you cover owner operators leased onto a motor carrier in Arizona?

Yes. If you are leased onto a carrier, the motor carrier usually provides your primary liability coverage while you are under dispatch. However, you will often still need your own physical damage coverage for your truck, non trucking liability for when you are not under dispatch, and possibly other coverages. NITIC works with many leased owner operators in Arizona and can coordinate your policy with your carrier’s requirements so there are no gaps in protection.

Do you offer short term or temporary commercial truck insurance in Arizona?

We can often help with short term or temporary commercial truck insurance solutions in Arizona, especially for situations such as waiting on authority approval, seasonal work, or short contracts. Availability and terms depend on your specific operation, vehicle, and timeframe. If you think you may only need coverage for a limited period, speak with our team and we will explain what options are available and how they compare to a standard annual policy.

Arizona Commercial Truck Insurance

Q: Is commercial truck insurance required in Arizona?

Yes. Arizona requires commercial truckers to carry primary liability insurance in order to operate legally. This coverage helps pay for bodily injury and property damage you may cause to others in an at fault accident. If you haul across state lines or carry certain types of cargo, you may also have to meet federal liability limits and filing requirements. NITIC helps Arizona truckers understand which state and federal rules apply and sets up the required coverages and filings so you stay compliant and ready to run loads.

We understand how important the right commercial truck insurance is for Arizona businesses and drivers. Our team focuses solely on trucking, and we know how to build coverage that fits your operation and your budget. With more than 30 years of experience supporting truckers across the state, NITIC delivers reliable protection, fast service, and policies tailored to the way you run your business. If you’re looking for a partner who truly understands trucking, you’re in the right place.

Arizona Truckers Choose NITIC for Fast, Reliable Truck Insurance Quotes!

Arizona truckers operate in one of the busiest transportation corridors in the Southwest. Whether you run loads across I-10, haul freight through Phoenix, or run hotshot routes near the border, you need protection that stays reliable on every mile. At NITIC, we specialize in commercial truck insurance and have been supporting owner operators and small fleets for more than twenty years. We help Arizona truckers get the right coverage at a fair price so they can stay on the road, stay compliant, and stay protected.

Our team focuses exclusively on trucking and commercial risks. We understand Arizona’s regulations, freight demands, and the pressures truckers face every day. From new ventures to long-time operators, we build policies that fit your business and your budget. Add in our B+ AM Best financial strength rating and fast claims process, and you get coverage you can depend on when it matters most.

Why Arizona Truckers Choose NITIC

Arizona truckers need more than a generic auto policy. They need a partner who knows trucking, understands FMCSA requirements, and responds quickly when a certificate, filing, or claim is needed. That’s where we come in.

Here’s what sets NITIC apart:

We’ve specialized in trucking insurance since 2001
More than two decades focused entirely on trucking risks.
Licensed in 48 states
If your business expands beyond Arizona, we’ve got you covered.
B+ AM Best rating
A rating that reflects our financial strength and our ability to support policyholders.
Fast claims resolution
Truckers don’t have time to wait. We move quickly so your downtime stays minimal.
Affordable, customized policies
We look at your vehicle type, cargo, and business needs to help you find the right balance between protection and cost.
Responsive customer service
Certificates, filings, questions, changes, and quotes handled by agents who know trucking.

Our team knows what type of risks a trucking business faces both on and off the road.

At NITIC, you get the most strengthened truck policy for your commercial vehicle that fully supports you financially when you need it the most. Whether you own a box truck, hotshot, or tow truck, we offer a policy for every type of vehicle. We are renowned for our fastest claiming settlement process. So once you partner with us, other than your business operations you don’t have to worry about anything!

Truck Insurance Coverage Throughout Arizona

We have clients in almost every city in Arizona including:

We have different discounting options for customers in all these cities in Arizona. Just give us a call and get the most beneficial coverage for your business.

Arizona Commercial Truck Insurance Requirements

Arizona requires all commercial truckers to carry primary liability insurance. This protects the public in case your vehicle causes property damage or bodily injury. The minimum liability limits vary depending on your vehicle type, weight, and cargo, but federal requirements apply to most interstate carriers.

In Arizona, truckers typically need:

$750,000 to $1,000,000 for general freight
$1,000,000 to $5,000,000 for hazmat
$300,000 for small trucks or lighter commercial vehicles
Cargo-specific limits depending on what you haul

Arizona Commercial Truck Insurance Filings

Arizona truckers often need a mix of state and federal insurance filings to stay compliant and keep their operating authority active. These filings act as proof to regulators, brokers, and shippers that you carry the required coverage. Without them, your authority can be delayed, suspended, or stopped altogether, and you may not be able to haul loads. Understanding what these filings do, when they’re required, and how to keep them up to date is an important part of running a trucking business in Arizona.

NITIC offers Arizona state and federal commercial truck insurance filings. Once you file for authority, our team can help take care of the rest, including:

ICC
MCS90
Form E
SR22

Arizona State Insurance Filings

State-level filings apply if you operate only within Arizona. The Arizona Department of Transportation may require proof of liability insurance before you can operate intrastate. These filings verify that you meet the state’s minimum financial responsibility requirements, which protect the public in case of an accident involving your truck.

Federal Insurance Filings

If you cross state lines or haul federally regulated cargo, federal filings come into play. Most interstate carriers need forms such as the MCS-90, which confirms that your liability coverage meets federal standards, and the BOC-3, which assigns process agents in every state where you operate. You may also need proof of cargo coverage, hazmat liability limits, or other endorsements depending on what you haul. Freight brokers and shippers frequently check these filings before assigning loads, so having them completed correctly helps you avoid delays.

Recommended Insurance Coverage for Arizona Truckers

Like every other state in the US, truckers in Arizona should carry primary liability insurance. This is mandatory coverage by the state but sticking to merely this policy is not beneficial for trucking businesses. You need to think beyond the minimum. The following insurance coverages prove to be advantageous for truckers:

We offer all these truck coverages in the state of Arizona. To know more about any of the above coverages, contact us and let us customize it for your business at the most reasonable rate.

Why do you require truck insurance in Arizona?

Having commercial truck insurance is not only important in Arizona but also comes with several benefits including:

Example Arizona Commercial Truck Insurance Cost Estimate

The below scenario assumes a clean driving record. Your personal driving history will affect your Arizona insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium.

Limit of Liability	$300,000	$500,000	$750,000	$1,000,000
Dump Truck	$10,200	$11,200	$12,200	$13,200
Box Truck	$10,200	$11,200	$12,200	$13,200
Tow Truck	$10,200	$11,200	$12,200	$13,200
Tractor Trailer	$10,200	$11,200	$12,000	$13,200

What Impacts Your Arizona Truck Insurance Cost?

Driving record
Years in business
Claims history
Truck type and model year
Cargo type and risk level
Radius of operation
Safety equipment
Credit score
Deductible amount
Where the truck is garaged
Experience of all listed drivers

If you’d like, we can run multiple quotes for you and compare the best options.

Arizona Truck Insurance FAQs

Is commercial truck insurance required in Arizona?

Yes. All truckers must carry primary liability insurance, and most interstate carriers must meet federal requirements as well.

Do you insure new authorities?

Yes. We help new ventures get insured, handle their filings, and start operating quickly.

Can you file my MCS-90 and BOC-3?

Absolutely. We handle all required filings for Arizona truckers.

Do you offer same-day certificates of insurance?

Yes. We can issue certificates fast so you never miss a load.

Can I get insurance for hotshot trucking in Arizona?

Yes. We insure hotshot operators statewide and can tailor your policy to your cargo and routes.

Do you cover owner operators leased onto a carrier?

Yes. We offer non-trucking liability, physical damage, and more.

Get Your Arizona Truck Insurance Quote

Running a trucking business in Arizona is demanding. You deserve coverage that works as hard as you do. At NITIC, we help you stay protected, stay compliant, and stay on the road with confidence. Whether you’re hauling freight across the desert or making local runs in Phoenix, our team is here to support you with affordable, reliable coverage.

If you’re ready for a quote or want help understanding what you need, reach out. We’re here to make this easy.

Call NITIC today or request your Arizona truck insurance quote online.

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Jamie Martinez has to be one of the best customer service representatives I have dealt with in a while. Very polite, professional, and very knowledgeable. I would recommend her without thinking about it !!

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I just had the best experience! I was serviced by Tania who was of an amazing assistance! She worked very professional, had a lovely attitude, and was very proficient as well as effective in helping me! She is a great and hard worker!!

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Brett and Felipe are very knowledgeable as it relates to my insurance coverage and they are very prompt in answering any questions I got accurately. The service is up to par and u will not be dissatisfied

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Brett Lewis is the agent that assisted me and he is absolutely awesome. He was very informative and helpful…I think I have found my new home with truckers insurance.

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I've had truck insurance with National for about 5 years now and find their customer service very helpful and friendly.

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Today my company needed to add additional coverage to our policy. Brett was VERY RESPONSIVE and got the JOB DONE. I would definitely recommend this company but BRETT in particular. Brett’s the BEST. Oh and Dana is great too lol.

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Arizona Commercial Truck Insurance

Arizona Truckers Choose NITIC for Fast, Reliable Truck Insurance Quotes!

Why Arizona Truckers Choose NITIC

Truck Insurance Coverage Throughout Arizona

Arizona Commercial Truck Insurance Requirements