What changed in Pennsylvania

Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inPennsylvania, when, and where to verify it.

1. July 1, 2025

   Fault system

   Accident surcharge threshold raised to $2,250

   Under 75 Pa.C.S. § 1799.3 a Pennsylvania auto insurer may not cancel, refuse to renew, surcharge, apply a rate penalty or assign driver record points when a policyholder's aggregate claim cost over three years stays under a threshold the Insurance Department sets. Notice 2025-01 raised that threshold from $2,100 to $2,250 effective July 1, 2025. Guides still quoting $2,100 or an older figure are out of date.

   Pennsylvania Insurance Department Notice 2025-01, 55 Pa.B. 178