The Pennsylvania Insurance Department (PID) has successfully blocked $210.1 million in requested property and casualty (P&C) insurance premium increases during the first six months of 2025, marking a win for consumers. The action, part of the department's rigorous rate review process, is projected to save Pennsylvania residents hundreds of millions of dollars.
P&C insurance covers a wide array of personal and business risks, including auto, homeowners, renters and flood insurance. Insurance companies are required to submit their proposed rate increases to PID, where the department’s actuarial team ensures these requests are fair and justified.
“This year, our actuarial team has already exceeded the savings from all of 2024,” said Michael Humphreys, Pennsylvania's insurance commissioner. “We review every rate request thoroughly, understanding the financial burden that excessive increases can place on families. At the same time, we recognize that some increases are warranted due to rising costs in the industry. Our goal is to ensure rates remain fair and affordable for all Pennsylvanians.”
In total, the PID’s intervention in 2025 saved consumers the following:
• $103.6 million in title insurance premiums
• $85.3 million in personal auto premiums
• $13.7 million in homeowners premiums
• $5.0 million in personal umbrella premiums
• $2.5 million in other P&C premiums
PID encourages Pennsylvania residents to review their insurance coverage regularly. With more than 1,200 insurers operating in the state, there are opportunities to reduce premiums by adjusting coverage levels or increasing deductibles. The department also advises consumers to consider the 60-day underwriting period when switching policies, noting that consumers may lose certain protections during this time.
For assistance with insurance concerns or complaints, consumers can visit the Pennsylvania government website or call 1-866-PA-COMPLAINT.
