Arizona registers tow-truck companies with DPS and requires proof of financial responsibility at registration, with commercial tiers up to $750,000 above 26,000 lbs.
Law: ARS 28-4009 (policies issued/renewed on or after July 1, 2020); ARS 28-4032, 28-4033; AAC R13-3-801 · AAC R13-3-801; R13-3-901; ARS 28-4034
Weight / class variation: Commercial tiers split at 20,000 / 26,000 lbs GVW (28-4033); vehicles at/under 20,000 lbs declared gross weight subject only to the 25/50/15 floor.
AAC Title 13, Ch. 3 sets no on-hook, garagekeepers, or cargo minimum (full chapter reviewed; zero mentions). HB 2269 (2024) House Engrossed proposed requiring on-hook and garagekeepers insurance for private towing carriers (no dollar amounts), but the enacted ARS 9-499.05 contains no insurance provision. Articles 1–6 of Ch. 3 (including former permit-application rule R13-3-201) expired June 1, 2010; current registration rule is R13-3-801. Cities/towns may regulate private-towing rates under ARS 9-499.05. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
More tools: state requirements lookup · workers’ comp lookup · coverage quiz · fuel cost calculator · rotation checklist
Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.