See who’s actually cheapest in your ZIP:
| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| USAA | +6.2% | 120K | 7/13/26 | USAA-134883881 → |
| Farmers | −10.0% | 6K | 7/10/26 | FARM-134993574 → |
| Nationwide | +0.0% | 203K | — | NWPP-134535062 → |
| Progressive | +0.9% | 45K | 10/22/25 | AMSI-134401367 → |
| CSAA / AAA | +0.0% | 30K | — | WSUN-134797471 → |
| Auto-Owners | +0.0% | 22K | — | AOIC-134597135 → |
If your USAA renewal in Pennsylvania came in higher, this is the source: USAA filed for a rate increase (SERFF USAA-134883881) and it was approved at +6.2% on about 120,317 policyholders, effective July 13, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
Other Pennsylvania insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Pennsylvania the direction is not uniform: Farmers (−10.0%) filed decreases in the same period. An USAA increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Pennsylvania homeowners rate filing →
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