Does Arizona set its own trucking insurance minimums?

The stored record marks state and federal minimums as different. Review the operation-specific rows and source notes; the difference does not establish one amount for every carrier.

Do federal insurance minimums still apply to an Arizona carrier?

Federal insurance requirements depend on the vehicle, commodity and operation. Review the federal table and its cited regulation alongside the applicable state requirements; state location alone does not settle coverage or filing scope.

What insurance does a new Arizona carrier line up first?

Review the liability, cargo and filing requirements for your operation before comparing coverage. The source notes identify the stored state and federal scope; insurer and contractual requirements need their own check.

Where do these figures come from?

The tables show stored amounts with their recorded sources. A field marked "Not confirmed" is a verification gap. Review its note; that label does not establish that the agency publishes no amount or that no requirement applies.

Arizona Trucking Insurance Requirements (2026)

By Haul Handbook editorial team· Updated Sep 28, 2026

What Arizona requires

These are the state-level rules attached to Arizona intrastate operating authority. A field reading "Not confirmed" means this guide has not confirmed that value. The note explains the gap; unknown is not evidence of absence.

Liability minimum: $750,000 liability for nonhazardous freight in trucks over 26,000 lb; the operation-type table below lists each class
Cargo minimum: 28-4033 lists liability tiers for nonhazardous property, passengers, and hazardous materials and no cargo figure, so none is recorded.
Differs from federal: Yes

Minimum liability by operation type

Review the operation-specific scope and source notes before relying on a coverage amount.

Arizona minimum liability coverage by operation type
Operation type	Minimum liability
Nonhazardous property, vehicle over 26,000 lb gross vehicle weight	$750,000
Nonhazardous property, vehicle of 20,001 to 26,000 lb gross vehicle weight	$300,000
Any quantity of oil listed in 49 CFR 172, or hazardous wastes, materials, or substances listed in 49 CFR 171 and 172 not in the $5 million tier	$1,000,000
Hazardous substances in cargo tanks, portable tanks, or hopper-type vehicles over 3,500 water gallons; any quantity of class A or B explosives or poison gas (poison A); liquefied or compressed gas in such tanks over 3,500 water gallons; radioactive materials requiring specialized handling	$5,000,000
Passengers, seating capacity of 16 or more (plus at least $300,000 uninsured motorist coverage)	$5,000,000
Passengers, seating capacity over 8 and under 16 including the driver (plus at least $300,000 uninsured motorist coverage)	$750,000
Passengers, seating capacity of 8 or fewer including the driver (plus at least $250,000 uninsured motorist coverage, or the 28-4038 / 28-4039 minimums where those apply)	$250,000

Scroll sideways to see every column.

Who files the proof of insurance

The rows identify stored proof-of-coverage filings. Confirm which filing applies to your authority and who submits it before requesting a form.

No state insurance filing form is named in 28-4033 or 28-4034 or on ADOT's Motor Carrier Services page. 28-4034(B) instead lets the department require a carrier to certify its financial responsibility in the form and at the times it deems necessary and forward the certification to the named insurer; for leased vehicles 28-4033(B) and (C) put the coverage duty on the lessor unless the lessee carries it, and on the lessee where its use needs a higher tier.

The federal minimums, for contrast

Federal financial-responsibility requirements depend on the operation, vehicle and commodity. Review the rows and exclusions in 49 CFR Part 387 (property carriers 387.303, brokers and freight forwarders 387.307, endorsements 387.15), as displayed on FMCSA's insurance filing requirements page; the filing mechanics live in our BMC-91 and BMC-34 insurance filings guide.

Federal minimum public liability levels by operation (49 CFR Part 387)
Operation	Vehicle	Liability minimum
For-hire property carrier, non-hazardous	GVWR under 10,001 lb	$300,000
For-hire property carrier, non-hazardous (general freight)	GVWR 10,001 lb or more	$750,000
For-hire carrier of certain hazardous materials	Any	$1,000,000
For-hire and private carriers of explosives, poison gas, or radioactive materials	Any	$5,000,000
For-hire carrier of household goods	GVWR 10,001 lb or more	$750,000
For-hire carrier of passengers	15 or fewer passengers	$1,500,000
For-hire carrier of passengers	16 or more passengers	$5,000,000
Broker of property or household goods	None	None
Freight forwarder of property	None	None
Freight forwarder of household goods	None	None

Scroll sideways to see every column.

Where insurance fits in the Arizona launch

Coverage sits early in the sequence: the federal filing sequence needs your insurer's proof of coverage on file before authority activates, and the state rules above attach to the credential covered on the Arizona intrastate authority page. For the full order of operations, work through start a trucking company in Arizona.