Pennsylvania Insurance Department blocked $227.9 million of 2025 P&C increases

The Pennsylvania Insurance Department (PID) blocked $227.9 million in proposed property and casualty (P&C) insurance premium increases in 2025, according to a PID press release. 

This included $91 million in personal auto premium increases. 

“Our rate review process is designed to make sure Pennsylvanians have access to quality insurance products at fair prices” said Pennsylvania Insurance Commissioner Michael Humphreys in the release. “Blocking unfair rate increases takes constant, detailed work, and that’s exactly what PID does. Our team reviews thousands of complex filings each year to make sure consumers are protected and treated fairly. These filings can be thousands of pages long and use a wide variety of variables to price products that may range from past claims history to an insured’s education level that require detailed review. We won’t stop working to shield Pennsylvanians from unnecessary costs.” 

Insurance companies are required to file their proposed rate changes with PID before the rate changes take effect. PID’s work on P&C rates is continuous year-round, the release says. 

“Insurance companies file new or revised rate requests throughout the year, and each filing must be reviewed independently,” the release says. “PID staff examine these filings to see if the proposed increases are justified, accurate, and fair to consumers. PID often works with insurers to revise or resubmit filings, provide additional data, or lower requested increases before approval is considered.”

Title insurance premium increases saw the largest block from the PID, with $103.6 million in title insurance premiums denied. Auto insurance followed. 

Homeowners and dwelling premium increases saw the third-highest denial but at a significant amount lower than title insurance and auto premiums with $16 million blocked. 

PID blocked another $11.2 million in personal umbrella premium increases and $6.1 million in other types of P&C insurance premium increases. 

“PID’s rejection of $103.6M in proposed title insurance premium increases will help more Pennsylvanians afford homes by containing growing costs while positively impacting the housing market for years to come,” the release says. 

The release also reminds residents to periodically check with their insurance company or agent to review their coverage. It adds that these reviews can help lower monthly cost or update coverage during life changes, such as one that might increase or decrease driving habits. 

Residents also are reminded that it can take up to 60 days after policy insurance for an insurance company to finish underwriting a new policy. The PID advises consumers to weigh the pros and cons such as lower costs or better benefits with the cons of losing some protections before switching or staying with their current plan. 

The PID provides resources for consumers to understand different types of insurance here. Anyone with questions about their insurance or who need to submit a complaint should visit here or call 1-866-722-6675.

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