Pennsylvania Blocked $227.9 Million in P/C Insurance Hikes in 2025, Says Regulator

The Pennsylvania Insurance Department (PID) said it saved residents $227.9 million by blocking proposed property/casualty insurance premium increases from taking effect in 2025.

Through the rate review process in 2025, PID reported that its review of property/casualty (P/C) rate filings saved consumers from:

• $103.6 million in title insurance premium increases;
• $91 million in personal auto premium increases;
• $16 million in homeowners/dwelling fire premium increases;
• $11.2 million in personal umbrella premium increases; and
• $6.1 million in other types of P/C insurance premium increases.

“Blocking unfair rate increases takes constant, detailed work, and that’s exactly what PID does,” said Pennsylvania Insurance Commissioner Michael Humphreys.

Property/casualty insurance companies must file their proposed rate changes with PID before the they take effect. Insurance companies file new or revised rate requests throughout the year. PID said it often works with insurers to revise or resubmit filings, provide additional data, or lower requested increases before approval is considered.

Last January, PID reported that in 2024 it refused to approve $180.3 million in annual P/C insurance premium increases for personal auto, homeowners, renters and flood insurance policies.

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