HiRoad has filed revised rates and rules for its Arizona private passenger auto program, reflecting an overall 4.88% rate decrease across the book.

The rate and rule filing was submitted on January 6, 2026, and acknowledged by the Arizona Department of Insurance on January 12, 2026, under the state’s use-and-file framework. The changes are effective December 8, 2025 for new business and January 12, 2026 for renewals.

According to the filing, the update affects 4,949 policyholders and applies to a program with approximately $13.1 million in written premium, resulting in an estimated $641,600 reduction in annual premium. While actuarial indications supported an overall 5.0% decrease, the implemented impact comes in slightly lower at 4.88%.

Beyond the rate change, HiRoad is also updating base rates and expense loads and introducing new segmentation factors, including vehicle age and leased vehicle status, as part of its ongoing refinement of pricing and rating variables in the Arizona market