Ever wonder why your insurance premium went up — even though you didn’t file a claim or make any changes?

Chances are, it has something to do with rate filing — a behind-the-scenes process that plays a big role in what you pay for auto , home , or business insurance. At Riseson Insurance , we’re here to help our clients in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler make sense of it all.

Rate filing is the formal process where insurance companies submit requests to state regulators (like the Arizona Department of Insurance ) to change the rates they charge for certain types of insurance.

These filings include:

The proposed new rates Data and actuarial models that justify the change Historical claims trends External factors ( weather , inflation , lawsuits, etc.)

Once submitted, the state reviews the filing to ensure the rates are not excessive, inadequate, or unfairly discriminatory.

Insurers file for rate changes for many reasons — most of which have nothing to do with your personal history. Common drivers include:

Inflation: The rising cost of car repairs, construction materials, and medical care Increased claim frequency : More accidents or weather-related claims in cities like Phoenix or Tucson Legal trends: Higher settlements or lawsuits in Arizona Natural disasters : Wildfires , monsoons , and hail storms in areas like Gilbert or Chandler Reinsurance costs: Insurance companies also buy insurance (called reinsurance ), and their rates affect yours

Even if you’ve been claim-free, these larger trends can still impact your premium.

Once filed, a rate change must be reviewed and approved by the state (in Arizona, it’s the Arizona Department of Insurance and Financial Institutions). The review process ensures that:

The company isn't charging unfairly Rate increases are based on actual loss data Consumers are treated equitably across regions like Tempe or Scottsdale Once approved, the new rates can be applied to both new and renewing policies.

At Riseson Insurance , we’re not tied to just one insurance company — we work with many. That means when rate filings affect your premium, we can:

Compare multiple carriers to find better rates Explain why your rate changed Adjust your coverage to fit your needs and budget Recommend discounts or bundling options to offset increases

Our job is to make sure you understand what you're paying for — and that you’re always getting value from your policy.

Call Riseson Insurance today at 602-460-5470 to review your current policy and see if a better rate is available.

What Is Rate Filing?

Why Do Rates Change?

What Happens After a Rate Filing?

How Riseson Insurance Helps You Navigate Rate Changes

• The proposed new rates
• Data and actuarial models that justify the change
• Historical claims trends
• External factors ( weather , inflation , lawsuits, etc.)

• Inflation: The rising cost of car repairs, construction materials, and medical care
• Increased claim frequency : More accidents or weather-related claims in cities like Phoenix or Tucson
• Legal trends: Higher settlements or lawsuits in Arizona
• Natural disasters : Wildfires , monsoons , and hail storms in areas like Gilbert or Chandler
• Reinsurance costs: Insurance companies also buy insurance (called reinsurance ), and their rates affect yours

• The company isn't charging unfairly
• Rate increases are based on actual loss data
• Consumers are treated equitably across regions like Tempe or Scottsdale
• Once approved, the new rates can be applied to both new and renewing policies.

• Compare multiple carriers to find better rates
• Explain why your rate changed
• Adjust your coverage to fit your needs and budget
• Recommend discounts or bundling options to offset increases