With years of experience helping local businesses protect what matters most, we know firsthand how crucial commercial auto insurance is for keeping your operations running smoothly. Whether you run a delivery service, a construction company, or anything in between, your vehicles are key to your success. In this post, I’ll share insights on the current market for commercial auto insurance, offer practical tips to help you save money, and explain why having a reliable agent makes all the difference.

Current Market Conditions for Commercial Auto Insurance

The commercial auto insurance market in 2025 remains challenging, with rates continuing to climb due to higher claims costs and broader economic factors. Industry reports indicate that premiums are rising sharply, a trend expected to persist into 2026, driven by financial pressures, emerging risks, and changes in underwriting practices. While there’s some stability showing in lower loss ratios for liability claims early in the year, overall, insurers are dealing with increased severity in accidents and settlements.

In Arizona, these national trends play out alongside our state requirements. Businesses must maintain minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. For larger vehicles, those carrying passengers, or hazardous materials, the requirements can be higher. With our growing economy and busy roads, we’re seeing more claims from accidents and theft, making carriers more selective. They emphasize risk management and data driven decisions to control losses. 

Despite this, the market is competitive for well managed fleets, with insurers focused on growth but approaching it cautiously.

Staying on top of these conditions is vital. Without regular reviews, you could face unexpected costs or inadequate protection in a volatile environment.

Tips and Tricks to Save Money on Commercial Auto Insurance

Even as rates increase, there are effective ways to manage your costs while ensuring solid coverage. Based on what I’ve seen work for our clients, here are some key strategies:

1. Review and Bundle Policies: Take time each year to evaluate your coverage so you’re not overpaying for unnecessary elements. Bundling commercial auto with other insurance like general liability or property can often secure discounts of up to 15% or more.    
2. Prioritize Safe Driving and Safety Programs: Keep your drivers’ records clean and invest in training or telematics devices to monitor driving habits. Insurers reward good records and safety measures with lower premiums.    
3. Adjust Deductibles Thoughtfully: Choosing a higher deductible can reduce your premiums by 5 to 15%, but only if your business can comfortably cover the out-of-pocket expense during a claim.    
4. Explore Fleet Options and Compare Quotes: For multiple vehicles, a fleet policy can streamline coverage and lower costs. Always shop around, as rates vary significantly between carriers.    
5. Opt for Annual Payments and Accurate Updates: Paying your premium in full annually avoids monthly fees. Keep your policy current with precise details on mileage, drivers, and vehicles to prevent overcharges.    
6. Proactively Minimize Risks: Equip vehicles with anti-theft devices, use secure parking, and reduce unnecessary travel. These steps not only cut premiums but also lower the chance of claims.

Implementing these can lead to meaningful savings, as many of our clients have discovered.

The Value of a Trusted Insurance Agent

In this fluctuating market, partnering with an agent you can rely on is more important than ever. At Stoller Insurance Agency, we go beyond just policies, we provide tailored guidance, hunt for the best rates across multiple insurers, and adjust your coverage as your business evolves. When a claim happens, we’re your advocate, handling the details to get you back on the road quickly.

As an independent agency, we offer access to a wide range of options without you having to do the legwork. 

In Arizona’s dynamic setting, this expertise helps avoid coverage gaps that could prove costly.

Ready to Secure Your Fleet?

Don’t let market shifts catch you unprepared. Reach out to us at Stoller Insurance Agency for a complimentary review of your commercial auto insurance. We’re here to help you save, stay compliant, and operate with peace of mind.