States
Insurance & Tax Services in Arizona
Arizona is a major market for commercial auto insurance. Whether you run a small business with a single vehicle or manage a fleet, the coverage requirements and options are different from personal auto policies. We specialize in translating those requirements clearly.
Arizona · Minimum required coverage
Arizona minimums are unchanged for 2026. Commercial vehicle requirements vary by carrier and underwriting.
25/50/25
- Bodily injury per person
- $25,000
- Bodily injury per accident
- $50,000
- Property damage
- $25,000
Uninsured motorist coverage is required for personal auto policies and must match liability limits.
Requirements change. Confirm current limits with the state before you buy. Arizona Department of Insurance and Financial Services
What the state requires
- Personal auto liability of 25/50/25 is the statutory minimum.
- Uninsured motorist coverage is required for personal auto policies at limits matching your liability coverage.
- Commercial auto policies carry different statutory requirements and coverage options depending on the vehicle type and use classification.
- Arizona does not require continuous coverage on commercial vehicles the way some states do, but lapsed coverage can affect your ability to renew.
- Commercial policies often include hired and non-owned auto coverage, which is critical if your business uses any vehicle not directly owned or leased.
Taxes in Arizona
Arizona individual income tax returns are due the same day as the federal return, April 15, though Arizona uses its own rate schedule. Small business owners need to track estimated tax quarterly, and business structures like S-corps and LLCs have different filing requirements here than in other states.
Our tax preparation servicesWhat we write in Arizona
Carriers we write in North Carolina · Arizona
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Carrier names and logos are the property of their respective owners. Availability varies by state and by risk.
Common questions
What is the difference between personal and commercial auto in Arizona?
Personal auto covers your vehicle for personal use. Commercial auto applies when the vehicle is used for business purposes — even part-time. It typically includes higher liability limits, hired and non-owned auto coverage, and costs more than personal auto. If your vehicle is used for any business purpose, a personal policy likely does not cover you.
Do I need commercial auto if I am self-employed?
If you use a vehicle for business — even occasionally — your personal auto policy probably excludes that use. Most carriers require a commercial policy if the vehicle is used for any business purpose at all. We can clarify whether your current coverage applies to your actual use.
What is hired and non-owned auto coverage?
This coverage applies to vehicles you do not own but use for business: rental cars for deliveries, employee vehicles used for business errands, etc. Personal auto does not cover these situations. Commercial auto policies include this automatically.
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