Hypothetical 14: Family ‐ Wife 43 years of age, clean MVR last 3 years — Other than Minimum Liability Limits Quotations — published premium data across Arizona (2023)

The driver, exactly as DIFI defines it

Family ‐ Wife 43 years of age, clean MVR last 3 years; good credit score; drives 2017 Subaru Forester 2.0 XT, 15 miles to work; Husband 45 years of age, clean MVR last 3 years, good credit score; drives a 2015 Honda Pilot EX, 4x4, 4‐door, 6 cyl., 3.5L, 15 miles each way to work; Son ‐ 17 years of age, clean MVR, B average grade in high school. Coverage & Limits: Combined Single Limit of $300,000 or Split Limits of $100,000/$300,000 BI and $50,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.

What these figures are, and what they are not

Each figure is computed from the premiums insurers filed with Arizona Department of Insurance and Financial Institutions for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.

Full coverage at the limits stated in each hypothetical: a combined single limit or the equivalent split limits, $5,000 medical payments, uninsured and underinsured motorist cover at the liability limits, comprehensive at a $250 deductible and collision at a $500 deductible. Seven risk profiles are each quoted at two liability-limit sets except the age-41 pair, which DIFI varies by commuting pattern instead. Insurers that do not write a hypothetical are printed "NQ" and are excluded from its distribution, so n varies by profile. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.