Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1454-$2139
Estimated Annual Premium
Monthly Average Breakdown
$143 / mo
Includes General Liability
Industry Risk Profile
Mechanics need Garage Keepers insurance to cover customers' vehicles while in their care, plus liability for faulty repairs.
Risk Factor1.8x
Location Factors
- State Base Rate$900
- Phoenix Multiplier1x
- State Tax Rate5.6%
Local Compliance FAQ
Is General Liability required in Phoenix?
While Arizona law may not mandate it for all businesses, Auto Mechanics often need proof of insurance to bid on local commercial projects in Phoenix.
Why is the rate different here?
Your premium reflects Arizona's specific base rate of $900 and a local city multiplier of 1x.
Compare Auto Mechanic Insurance in Other Arizona Cities
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