| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| American National | +5.2% | 7K | 12/26/25 | ANPC-134643362 → |
| Nationwide | −10.0% | 10K | 1/31/26 | NWPP-G134710868 → |
| Plymouth Rock | +3.0% | 12K | 9/1/26 | PRAC-134967675 → |
| Selective | +8.6% | 11K | 12/31/25 | SELC-134573770 → |
| Hanover | +5.8% | 11K | 3/13/26 | HNVR-G134656976 → |
| Grange | +9.9% | 8K | 6/1/26 | GRAN-134679118 → |
If your American National renewal in Pennsylvania came in higher, this is the source: American National filed for a rate increase (SERFF ANPC-134643362) and it was approved at +5.2% on about 6,994 policyholders, effective December 26, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +5.2% is an average. Your American National change ranges +14.5% to −1.7%.
A statewide rate change is one blended number, but American National did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +14.5% and the largest decrease about −1.7%. So inside a “+5.2% average,” some American National drivers in Pennsylvania were raised far more than the headline and others were cut. Where you land depends on your ZIP, vehicle, age and driving record.
American National cut Pennsylvania rates before this increase.
The filing records a prior revision of −8.0%, so this +5.2% partly reverses an earlier cut — the two net to about −3.2% on the same book. Where you land depends on whether you were on the books for both.
Other Pennsylvania insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Pennsylvania the direction is not uniform: Nationwide (−10.0%) filed decreases in the same period. An American National increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Pennsylvania auto rate filing →