| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Selective | +8.6% | 11K | 12/31/25 | SELC-134573770 → |
| Nationwide | −10.0% | 10K | 1/31/26 | NWPP-G134710868 → |
| Plymouth Rock | +3.0% | 12K | 9/1/26 | PRAC-134967675 → |
| Hanover | +5.8% | 11K | 3/13/26 | HNVR-G134656976 → |
| Grange | +9.9% | 8K | 6/1/26 | GRAN-134679118 → |
| American National | +5.2% | 7K | 12/26/25 | ANPC-134643362 → |
If your Selective renewal in Pennsylvania came in higher, this is the source: Selective filed for a rate increase (SERFF SELC-134573770) and it was approved at +8.6% on about 11,227 policyholders, effective December 31, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +8.6% is an average. Your Selective change ranges +201.9% to −26.5%.
A statewide rate change is one blended number, but Selective did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +201.9% and the largest decrease about −26.5%. So inside a “+8.6% average,” some Selective 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.
Selective asked for more than it got.
The filing shows an indicated need of +13.4% — the increase Selective’s own actuarial analysis said it required — against the +8.6% it actually took. That gap matters for what comes next: a carrier that took less than it indicated has an unclosed gap, and the remainder often arrives in a later filing rather than disappearing.
This is the second Selective increase, not the first.
The filing records a prior revision of +15.0% before this one. Taken together the two compound to roughly +24.9% on the same book — which is why a renewal can feel far worse than the +8.6% headline suggests. Rate changes stack; your renewal notice shows only the latest one.
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. A Selective 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 →