Florida Insurance Rates [ COMPLETE ]

: Legislative reforms have led to a 23% year-over-year drop in litigation filings, which directly translates to lower costs for carriers and eventually for consumers. 🚗 Auto Insurance: High Costs, New Savings

: Several major private insurers have begun filing for rate decreases or zero-percent increases for 2026. Some homeowners are seeing premiums drop by as much as 11% as more private options enter the market. florida insurance rates

: Citizens Property Insurance, previously the "insurer of last resort," has seen its policy count drop significantly from 1.4 million to under 780,000 as of late 2025, signaling a healthier private market capable of absorbing risk. : Legislative reforms have led to a 23%

: Companies like State Farm, GEICO, Progressive, Allstate, and USAA are projected to reduce rates by an average of 8% this year. : Citizens Property Insurance, previously the "insurer of