Just Insure, Inc. has filed a rate update for its Private Passenger Auto program in Arizona, reflecting targeted changes to how mileage and geographic risk are priced across the book. The filing was submitted on December 5, 2025, and acknowledged by the Arizona Department of Insurance on December 9 under the state’s use-and-file framework, with proposed effective dates of November 5, 2025, for both new and renewal business.

The filing produces an overall indicated and implemented rate impact of +2%, affecting approximately 4,923 policyholders and generating an estimated $19,215 increase in written premium on a $9.9 million book. Individual policy impacts vary, with maximum and minimum changes ranging from +28% to −26%, reflecting segmentation rather than a uniform adjustment.

At the core of the update are replacements to two proprietary rating components: the Monthly Miles Divisor and the Zip Code Baseline. The Monthly Miles Divisor refines estimated mileage by driver age and gender using historical driving data and market research, while the Zip Code Baseline establishes dollar-based starting points for six coverage types across every Arizona ZIP code. Together, the changes recalibrate exposure assumptions tied to how much and where vehicles are driven, rather than introducing new coverages or eligibility rules.

The filing follows a prior +1% rate revision that took effect in August 2025.