Arizona Revised Statutes

Ariz. Rev. Stat. § 20-341 (2026)

Purpose of insurance rate regulation

✓ current as of May 2026

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A. The purpose of this article is to promote the public welfare by regulating insurance rates to the end that they shall not be excessive, inadequate or unfairly discriminatory, and to authorize and regulate cooperative action among insurers in rate making and in other matters within the scope of this article. Nothing in this article is intended to prohibit or discourage reasonable competition, or to prohibit or encourage, except to the extent necessary to accomplish the purpose stated in this section, uniformity in insurance rates, rating systems, rating plans or practices. This article shall be liberally interpreted to carry into effect the provisions of this section.

B. Where the rules and regulations of a rating bureau or advisory organization conflict with the law, the rules and regulations do not apply.

Notes of Decisions

Cited in 5 cases, 1958–2013 · leading case: Sterman v. Transamerica Title Ins., 580 P.2d 729 (Ariz. Ct. App. 1978).

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Sterman v. Transamerica Title Ins., 580 P.2d 729 (Ariz. Ct. App. 1978). · cites it 7× “? A.R.S. §§ 20-341, 20-342, and 20-361 to 20-379, inclusive, govern regulation of title insurance rates.”

Pac. Fire Rating Bureau v. Ins. Co. of North Am., 321 P.2d 1030 (Ariz. 1958). · cites it 7× “B) ; (2) that reasonable competition is not to be prohibited or discouraged (A.R.S. § 20-341); (3) that uniformity in rates and practices is neither prohibited or encouraged so long as an insurer’s rates meet the statutory standards (A.”

Melendez v. Hallmark Ins., 305 P.3d 392 (Ariz. Ct. App. 2013). · cites it 2× “” See A.R.S. § 20-341, et seq.; A.R.S. § 20-381, et seq.”

United States v. Title Ins. Rating Bureau of Arizona, Inc., 517 F. Supp. 1053 (D. Ariz. 1981). · cites it 2× “A.R.S. § 20-341. Proponents of the legislation stressed the competitive features of the law in testimony before the legislature.”

United States v. Title Ins. Rating Bureau of Arizona, Inc., 700 F.2d 1247 (9th Cir. 1983). “” Ariz.Rev.Stat.Ann. § 20-341 (1975). Section 20-375(A) lists factors to be considered in setting rates.”

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