+22%

commercial auto rates for Arizona motor carriers in 2026

Arizona Fleets Are Paying 22% More for Commercial Auto. Here's Who Isn't.

The carriers who haven't been re-shopped in 2+ years are absorbing the full rate increase. A free fleet coverage review shows you exactly what the market looks like right now — for your specific routes, loads, and DOT profile.

Get Your Free Fleet Coverage Review →
100+
Carriers
24hr
Turnaround
$0
Cost to you
100%
On Your Side

Get your free Coverage Review

Send or upload your current policy — a licensed DANESURE broker reviews it and sends your Cost & Risk Report within 24 hours. No portal login required.

Send or upload your policy documents
Email or upload Secure & encrypted 2 min · 24-hr report
Start your free review →

Prefer email? Send your dec page to review@danesure.com

What happens next
Within 24 hours: your Cost & Risk Report — pricing at minimum, standard, and higher limits for every relevant line.

Then: we’ll email a scheduling link to walk through the findings. No pressure — you set the pace.

No credit card. No obligation. As your broker, we work for your interests — not the insurance company’s. We shop 100+ carriers for the best coverage at the best price.

Licensed AZ Broker — #3004238332100+ Carriers — we shop all of themWe Work For You24-Hour Turnaround
The problem

Three ways Arizona fleets are getting overcharged right now

Rate increases aren't distributed evenly. Fleets that haven't been re-shopped are absorbing increases that competing carriers aren't charging.

📄

22% rate increases with no carrier re-shopping

Commercial auto rates are up sharply in 2026, but not every carrier raised rates equally. Fleets that haven't been re-quoted in 2+ years are often sitting on rates that are 15–25% above what the competitive market would charge today.

📄

Cargo coverage gaps

What's actually covered when a load is damaged, stolen, or delayed? Many motor carrier cargo policies have exclusions, sub-limits, and deductibles that leave significant exposure. Most operators don't find out until they file a claim.

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FMCSA compliance gaps

Operating beyond your MCS-90 filing authority, missing required endorsements, or carrying inadequate primary liability limits for your freight type can expose you to personal liability — and void your coverage on a claim.

How it works

Free Fleet Coverage Review. 24 hours. No obligation.

We review your motor carrier policy, cargo coverage, and FMCSA filing status — then compare against current market pricing for your routes, loads, and DOT safety score. You get a clear picture of where you stand and what options exist.

  • 1
    Upload your policy documents — 2 minutesEmail your dec page to review@danesure.com or upload here. No portal login required.
  • 2
    We analyze limits, exclusions, and market pricingCompared against 100+ carriers for your specific operation.
  • 3
    You get your Fleet Coverage ReportExact savings opportunities, coverage gaps, and what we'd recommend.
The market right now

Rate increases aren't uniform — some carriers are aggressive on Arizona routes

With Phoenix serving as a major Southwest logistics hub and TSMC supply chain activity increasing freight volume, competition for Arizona fleet business is real. We shop 100+ carriers including ones your current broker may not have access to.

+22%
Avg commercial auto rate increase
$3,800
Avg. annual savings identified
100+
Carriers we quote
$0
Cost to you, ever
Licensed AZ Broker — #3004238332100+ Carriers — we shop all of themWe Work For You24-Hour Turnaround