An Act amending Title 75 (Vehicles) of the Pennsylvania Consolidated Statutes, in financial responsibility, further providing for special provisions relating to premiums.

HB 2078 limits annual premium increases for private passenger auto insurance in Pennsylvania. It prohibits insurers from raising premiums by more than 5% annually for policyholders without certain traffic violations (listed in Section 1535 of the law). This applies to all policies offered, issued, or renewed in Pennsylvania after the law takes effect. The bill directly affects auto insurance customers by capping annual rate hikes for those with clean driving records.